No Medical Life
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Worry no more even if you have a pre-existing condition with No Medical Life Insurance.

It allows you to live comfortably knowing that your loved ones will be financially secure in the unfortunate event of your passing.

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What is No Medical Life Insurance?

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No Medical Life Insurance policies are typically issued using simplified underwriting. This means that applicants are not required to undergo a physical examination to gain coverage. No Medical Life Insurance policies are faster to process and have a higher issuance rate compared to fully underwritten Life Insurance plans.

It can be difficult to qualify for regular policies if you have a pre-existing condition. Simplified underwriting Life Insurance provides coverage for people who otherwise would not be able to receive it.

Is No Medical Life Insurance the right choice for me?

It is unlikely to get receive coverage through fully underwritten Life Insurance policies if the following applies to you:

You have a pre-existing condition (such as diabetes, cancer, HIV, etc.)
You have been denied coverage for a fully underwritten policy
You have a dangerous profession (such as miner or commercial fisher)
You have substance abuse issues
You have impaired driving convictions
You do not feel comfortable with your blood being taken

Even if you have a dangerous hobby like skydiving or rock climbing, that can lock you out of traditional Life Insurance plans. If this sounds like you (or if you need immediate coverage), No Medical Life Insurance is a great alternative. Be aware that it is more costly.

Can I name multiple beneficiaries?

No Medical Life Insurance premiums are higher compared to regular policies with equivalent benefits because insurers take on more risk by not conducting a medical examination. Your potential coverage will also be lower for that same reason.

Although No Medical Life Insurance is a good option for individuals who are difficult to insure, we recommend applying for a regular Life Insurance policy for more flexible, more affordable, and greater coverage, if you think you can qualify.

Our Reviews

Excellent

Mary Katherine Mathews

I received great service and felt that my request for insurance was professionally handled, with kindness and competence.

Celia Alam

Very knowledgeable . Thanks Dornaz

Marj Meger

We purchased emergency medical travel from Dornaz today.
We found that she was very knowledgeable, friendly and very helpful in providing the information we needed in order to make our decision. I strongly recommend talking to her about your emergency medical travel insurance needs. She will help you get reasonable rates and a policy to serve your needs.
It was such a great experience to purchase our emergency medical travel insurance through her!

Peter Rizk

Had a great experience with George Solomonov. Was very informative, knowledgeable with all questions and kept up with my busy schedule. Highly recommend George!!

Stewart Clow

Dornaz got me a less expensive plan and canceled the one I mistakenly purchased. She was very professional and completed things in a quick efficient manner. I’ll be back next year.

Barbara Whates

Very obliging and helpful. Will go back again when needed .

Lynda Russell

I have used Dornaz for several of my group trips, always helpful. Enjoy dealing with her
Thank you

Sam Crosby

Artmiz was quick, efficient and she made the process of booking travel insurance a BREEZE. I highly recommend Alliance for your travel insurance needs.

George El Khal

Thank you Dornaz, your help was effective and clear .

Ron Benvenuto

Agent was very helpful, polite and efficient.

Ann Cox

Dornaz was exceptional in helping me with getting both my travel and medical insurance. She was always available to answer all my questions and concerns and the whole process went smoothly. I would highly recommend Dornaz to anyone looking for travel insurance.

Frank Marchionda

Thank you Artmiz for pulling everything together so quickly for me.

Your professionalism and level of service is second to none.

I have purchased coverage a few times traveling across Canada, the US and Europe.

Thank you again Artmiz 😎

Bonnie Winchar

Very efficient and provided just the coverage we needed.

MinhLuong Nguyen

Ms. Dornaz Samiei is a great person, very professional to contact for your travel medical insurance in the future. I highly recommended her great services with a very good understanding and caring. Thank you Dornaz.
Minh L. Nguyen
Edmonton, Sept. 16, 2025

Ettie Van Dijk

Sehar Bajwa was very helpful in finding us travel insurance. I did shop around and compared policies. She answered all my questions and got me the best price.

Craig Stewart

Dornaz was excellent helping my mother get travel insurance for her upcoming weekend trip. Highly recommend her and Alliance Income Services Corp

Barb Kraler

I found Dornaz very helpful at brokering the best travel insurance from various vendors that will meet my personal needs

Manuel Araujo

Just dealt with Sehar Bajwa to obtain a travel insurance for myself and my spouse, she was very patient and answered all my questions that I had. My insurance was completed within minutes and confirmed, she got me the best price compared to other insurance companies that I contacted.
Thank you Sehar and all the best.

Dave Penney

Today I had the pleasure of dealing with one of your agents, Dornaz Samiei, to obtain travel insurance for an upcoming trip. Dornaz was knowledgeable, professional, courteous and cheerful in her interaction with me. It was a real pleasure being served by a representative with these desirable qualities. You are very fortunate to have her as an employee. Please convey my appreciation to Dornaz for a job well done!
David Penney

Ron Synchena

I was a pleasure working with Dornaz getting our travel insurance. She was so pleasant and helpful and took the time to shop for the best deal. We lost connection and she called back immediately which is getting to be a rare trait these days. Muchly appreciated and thanks.

Frontline Arctic Security

My experience with Alliance Services Corp. Everything was excellent, and the agent I interact with was really up to his game. He answered all my questions clearly and helped me out.

Ella

Dornaz and other Alliance agents have provided exceptional service. Thank you Alliance, (price was good too). Bozena E.

Catherine Onishi

Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.

Linda Taylor

Dornaz helped me with extended travel insurance, she found me an excellent rate! She was very kind and professional. In the future Dornaz will be my go to agent. Best Wishes Dornaz!

Kawtar Manyari

Dornaz is great agent!

ron raymer

Artmiz was very professional and quick to answer all my questions . She was very knowledgeable of her products. Thanx Artmiz

stephen ott

Dornaz was informative, efficient and thorough. She found the best rates with options

Wayne Kemp

Dornaz and Alliance has treated me well so far. Trip doesn't happen until the fall

Gary

Very informative and willing to find us the best quote to suit our needs.

Ingrid Cameron

Sehar bejas looked after my travel insurance in a pleasant, knowledgeable and professional manner

Marilyn Kelly

Sehar was very patient with me and explained different options for our travel requirements. We saved money buying travel insurance through your company. Thank you Sehar!

Denise Keep

Great advice.

Ellen Wilson

Dornaz was great at finding good medical coverage for myself and daughter.

thanks so much

Gregory van Duyse

Had a great experience working with George. He was able to save us money on our Group Insurance policy. Professionalism, great communication and great follow up. Thank you.

Doris Concepcion

I always get great service from R'ceino and Artmiz that's why I keep coming back to your company for our family's travel insurance. Thank you.

Kathryn Kates

Dornaz eas extremely helpful and a pleasure to deal with.

Etienne Pinto

I dealt with Dornaz regarding our medical insurance during our trip to Europe.
Found her to be knowledgeable, polite and patient .

Debbie Cain

I appreciate the patience with me and quick and great service. I feel much better now that this part of the process is over

anne chang

VERY KNOWLEDGEABLE, HELPFUL, AVAILABLE. GREAT TO WORK WITH!

Cindy Kent

Dornaz was the agent that reached out to me. She was helpful and explained the travel coverage to me. I decided to purchase the coverage. She was helpful and patient.

Betty McNaught

Dornaz answered promptly. She was knowledgeable and provided exceptional service.

Brenda Ciolfi

I've just purchased comprehensive travel insurance from Agent Sehar Bajwa. What a pleasure to work with her. Sehar's professionalism and patience were outstanding start to finish!! Communications, documentation and follow-up were very clear.

Types of No Medical Life Insurance in Canada

Depending on which policy suits you best, there are two types of No Medical Life Insurance to choose from.

Simplified Issue Life Insurance

Simplified Issue Life Insurance skips the medical exam and requires you to only complete a medical questionnaire. Questions include personal information and detailed medical history. The answers you provide will influence the amount of coverage you receive and the price of the plan. This is a great option for difficult to insure individuals. However, coverage can still be denied depending on how certain medical questions were answered.

Guaranteed Issue Life Insurance

Guaranteed Issue Life Insurance skips both the medical exam and the questionnaire. The applicant will receive coverage regardless of their health conditions and medical history. However, the insurance company will consider the applicant to be a part of the highest risk group. This will result in low benefit amounts and high premiums. If the insured passes away within the first two years of obtaining their policy, the beneficiaries will only get the amount that the policyholder paid in premiums during that time.

How to Save Money on No Medical Life Insurance?

We want to help you save your money. The best way to save money on No Medical Life Insurance is to compare rates from multiple providers. This can be extremely time consuming. Luckily, Alliance Income Services Corp. does all the hard work for you! By simply requesting a quote online through our website, we check what rates you can get from every major Canadian insurer.

What is your age?

Your age bracket has a significant impact on your premiums. The younger you are, the more we suggest purchasing a policy. Avoid higher rates by purchasing Life Insurance before your next birthday.

Are You Healthy?

If you are a healthy individual and can qualify for regular life insurance, apply for a fully underwritten policy to pay notably lower premiums.

Smoker status

Cigarette smokers can pay up to 100% more for the same level of coverage as a non-smoker. To gain a considerable reduction on your premium payments, consider quitting smoking. It will save you money and benefit your health.

Renewing Your Policy?

Over time, rates can change. Instead of renewing your current plan, compare new policies or consider converting your Term plan to a Permanent Life Insurance.

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