No Medical Life
Insurance Quotes in Minutes!

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

Katevl van

I am a senior who has had some health issues I was frustrated with 'NO" answers over and over again when I was enquiring for health insurance coverage for a trip planned with my husband in March 2027. Until Sehar Bajwa and I spoke in early October 2026 to enquire if I could get travel insurance. She is an active listener and offered me an opportunity to fully explain what I needed. I told her that I would be in touch when I had booked the trip.
As I finished my booking of my trip today (Nov 05) I sent an email to Sehar on Friday afternoon telling her that I wanted to purchase insurance (travel, baggage, cancellation and interruption) fully expecting that I might get a response by early next week. I was delighted when just an hour later I received a call and Sehar and I were able to get a suitable policy and payment done in almost not time at all. NOTE: Sehar had previously provided the policy for me to review.

My approval documentation is now on my computer (and printed). This process can cause alot of anxiety when you have health issues.

Thanks Sehar for the information, patience, consideration and promptness. Please keep up the good work and the kindness.

Sandy White

I was phone interviewed by Teresa Heuser to set up my travel insurance. Teresa was terrific, friendly, courteous and patient. I look forward to her assistance in the future. Positive experience.
Eric White

Loraine A

It was a pleasure dealing with Teresa Heuser she made the whole experience very easy. Thank you!

Susan Kolpak-Jarvis

Dornaz was very helpful, providing both efficient service and clear communication.

Sandra Dicaire

Karen was knowledgeable and professional. She addressed my concerns and found suitable coverages.

Dorraine Hindle

Shamanic was very professional..knowledgeable and I would not hesitate to work with her again

Ed Conner

All great, Teresa's is the best

Mary Brosnan

Theresa Heuser was great to work with. Very informative and helpful. Will definitely use again.

joan hut

I had a very positive experience speaking with Karen over the phone. She was extremely helpful, attentive to detail, and took the time to clearly explain all of the insurance coverages available to my mom. Karen was patient, knowledgeable, and made sure we understood all the options before making any decisions. Her professionalism and excellent customer service made the entire process easy and stress-free. I truly appreciated her assistance and would highly recommend her to anyone looking for insurance guidance.

Claire May Peel

Efficient, knowledgeable and fair pricing for product received

Deborah Williams

The gentleman that helped me was great to work with. Quick and easy and an excellent quote.

Carter Laing

Great work, for helping us out regarding our Insurance. Thank you Thereas

Anne Schmidt

Artmiz was great. Very personable & helpful. I just wish she spoke slower on her messages. Just a little bit.
Thanks,
Anne

Kevin Gass

Karen Wright-Ebanks was very friendly, helpful and efficient in searching the best estimates for our needs. I will be contacting her again next year!

Shelley Moyle

Martin was very knowledgeable about the terms of the policy and got back to me, when necessary, I a timely fashion. Martin is very polite and pleasant to talk to .

Paul Fletcher

I cannot say enough about my experiences with Artmiz.
I know each time I call her she has done her utmost to give me the best offer and provides the detail so its very easy to understand.
I have recommended her to many of my friends.

jerry dubilowski

Good service and reliable and trustworthy information Thank you

Evelyn Bullington

Quick and easy

Bob Warren

Gabrial was the BEST he searched and found the BEST rates and options. My travel plans are so much easier with that help.

Barb Moore

Gabriel was very friendly and polite. He answered all my questions and explained my options. I felt very comfortable dealing with him.

joan gowan

Shiwani I was very helpful and a pleasure to work with

Maggie

Sehar Bajwa was very easy to deal with and answered my queries promptly. A very good experience.

Lyndon Pilgrim

Great service from Dornaz. Very courteous and helpful to complete my travel insurance

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.

Here I am next year.

judy kohne

Gabriel was very helpful and patient with the questions I had. What I liked most is that he would provide the information I needed and then just waited for me to decide without any pressure.

otilia miranda

I had a great experience speaking with Gabriel .l received a call with in minutes of my inquiry on line . He was very polite and knowledgeable. It took no more than a few minutes to obtain a quote for travel insurance. I will definitely contact him for future inquiries.

V М

Very professional support.

lesley staite

Shiwani was a pleasure to interact with …she was knowledgeable and explained every thing in detail when I was looking for information on Out Of Country Health Insurance Coverage. She was extremely patient when I asked her for more clarification /explanation of questions asked.
Would certainly recommend her when looking for out of province health insurance coverage .

Sue Alexander

Shiwani was most helpful and precise. Because we were leaving the next day for our holiday, we needed insurance quickly. Shiwani has a wonderful customer service and we were able to get our insurance when needed. It was a pleasure working with her.

Brian R. Post

I just recently renewed my travel insurance through Alliance Income Services Corp, with my agent Sehar Bajwa being very efficient and effective to put my coverage in place. I am appreciative and grateful for her excellent service and knowledge. Thank you, Sehar!

Vicki Robinson

Clarity about what was offered. Searching for the best deal for me.

Michael Greenhill

AIS and in particular Donaz was extremely knowledgeable and helpful in recommending our travel insurance at a very reasonable cost. Great work Donaz, thank you!

Paul McLean

I would recommend Ofir from Alliance Income for my travel insurance needs. He was fast, efficient and was able to source my travel insurance needs a a lower price than a was able to obtain from several insurance companies. Thanks!

Diane Pare

very funny, attentive, informative and would return my call within no time at all. followed up with a phone call to the company to further my comfort zone. would definitaly work with him again

Gavin Watts

Gabriel is excellent , full knowledge, polite and respectful, interested in making one feel welcomed. Recommend this sign in service to anyone needing travel insurance.

Walter Jong

it was such a pleasure to work with Artmiz Namazi in my purchase of medical travel insurance. Not often do I receive the care and authentic interest in ensuring that my needs and concerns were addressed. At the end of the day, all the costs were practically the same among many of the financial institution but Artmiz was the difference and her well deserved goodwill finalized the decision to purchase from her. Thank you so much Artmiz for all your help and assistance.

Gerry Scharff

I was surprised to receive a phone call from Alliance and then to have Dornaz walk me through the medical questions and quote a reasonable price. She was polite and very helpful for all my needs.

mary lou mcgregor

Very efficient and caring individual. He completed his role in a highly professional manner

Caralyn Crocker

Ofir Mizrahi , he handled all our transaction he was kind considerate and very professional. He made sure I understood the policy. When I couldn’t find what I needed he helped me navigate through. If all your company is as good as him you have great team . If they aren’t I’m glad I had him . Thank you for professional consideration of helping me
Caralyn Crocker

Greg Glass

Her attention to detail was great. Answered all my questions with no hesitation. Highly recommend contacting her for your insurance needs.

Dave Randhawa

Dornaz provided me with exceptional service,
very professional and knowledgeable.
Thank you Dornaz for assisting me get my travel insurance,it was a pleasure doing business with you.

Joyce Johnston

Shiwani was very helpful, and explained everything clearly

Christine Hamilton

Ofir was amazing and he was able to get an incredible deal for my upcoming cruise. Very professional!

Sheryl Dobenko

Ofir was very helpful and thorough in advising and organizing our trip cancellation insurance for un upcoming trip to Africa.

Colleen Butler

Dornanz was vey helpful and went out of her way to find us the best policy.

Rita Roy

Great at what he does!

Richard Humphries

Dornaz has been very helpful tailoring my insurance policy to suit my specific needs. She was prompt in replying to my messages and questions. Thank you, Dornaz

Ivana Gremo

I purchased travel insurance from Dornaz several times.She is very knowledgeable and takes time to explain all concerns I would have.
I would highly recommend her to anyone who needs to purchase travel insurance.
Ivana

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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