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

Sharon

Just booked my travel insurance! Doran’s is the best! Thank you so much

Jackie Keir

Muhammad was excellent, it took a few days because of technical problems, not Alliance issue. Will definitely use again, got us the best price for travel insurance. Thanks Muhammad

T Nguyen

We have previously obtained travel insurance with Alliance through Costco Travel insurance. After Alliance email reminder, I have filled out request for multiple trip quote. Sehar Bajwa called back and helped me to complete the application. I received by email the Manulife Travel Policies right after. Thanks

Gerard Thompson

Muhammed Suleiman was professional in his dealings.

valerie szilock

I worked with Artmiz to arrange travel insurance. She was very helpful ,answered my questions and clearly outlined my options. I will use Artmiz at Alliance for future travel.

Loraine Anderson

Dornaz was very helpful and I appreciated all her efforts to sign me up for my travel insurance.
She will be my “go to” girl for any future travel needs!
Loraine

Maria

My agent is Muhammad Suleiman

Jessica Martinelli

I had an exceptional experience with Ofir Mizrahi. Even though I didn’t end up purchasing a policy at the moment, his level of customer service truly stood out. He was incredibly professional, knowledgeable, and patient, taking the time to explain every detail clearly without any pressure.

You can tell he genuinely cares about helping people make the right decision, not just making a sale. That kind of integrity and dedication is rare to find.

I highly recommend Ofir to anyone looking for honest, reliable, and top-quality service. I will definitely reach out to him again in the future!

Mona Hadisi

Dornaz is always very helpful and provides all the details and suggests the best option

Heather Sutherland

Good assistance.

Joe Daigle

Dornaz was extremely helpful and efficient, a pleasure to deal with. Highly recommend her for travel or any insurance questions or policies.

C J

Dornaz was very helpful during my search for travel insurance!

Kim Keller- Rakochy

Very polite and courteous.. My agent, Dornaz, was very helpful and efficient booking my travel insurance. All needs were met in a professional way. Thank you.

Brenda Burton

Great customer service!! Very friendly

Vivian Guo

I am very grateful to Sehar Bajwa for her help. She is very patient and professional.

Franz Hasenhundl

Dornaz made it very easy getting a quote and then completing the deal.

Natalie Haak

Sehar promptly replied to my emails and answered any & all questions I had. Great rates on medical/travel insurance.

Irene Holloway

Dornaz was great to work with. I will be using her for all our trips

Pradeep Mohapatra

Great service by Dornaz

Lololo

Artmiz provided great service and advice for our last trip so we decided to contact her again for our next trip. She answered all my questions and was very friendly and helpful. I believe she gave me the best insurance deal for my trip to Portugal.

Milia Kats

Thank very much for the excellent service, great knowledge in getting for me the best plan for the travel insurance. Well bone!!!

Louise Zenzen

Very efficient, lovely to speak with and made booking insurance much easier for me

Ahmed Shaat

Dornaz was a great help signing me up for my benefits plan.

helen carey

Artmiz was so helpful with getting my coverage for both my trips.
It was a pleasure dealing with her.

Margot Brunelle

Dornaz was efficient, friendly, and helpful! Thank you ..

Francine Menard

Artmiz Namazi was very efficient and informative with regards to my requirements for my upcoming trip. Received all my documentation within minutes. She made it a very pleasurable experience!

Reuben Qaunaq

I highly recommend this insurance; Dornaz was extremely helpful and kind throughout the process. Easy and quick

Maggie VH

Artmiz Namazi was amazing. She was very friendly and knowledgable and prompt with a quote. I asked for companies for a quote and your company was the cheapest. I called her back and placed my order for travel insurance for two months. Thank you so much.Artmiz. It was a pleasure dealing with 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.

Celia Alam

Very knowledgeable . Thanks Dornaz

Ernest Comerford

Service was very good, Dornaz was very helpful and prompt in her service.

Brenda Adams

Dornaz has been polite - pleasant - prompt in finding a suitable insurance to fit our needs. She represents your company very well. A pleasure to deal with.

André Lanteigne

Snowbirds for many years, being 80 yrs this year we had to go over the health questionnaire with an agent. Our agent, Sehar Bajwa was very helpful is guiding and assisting us in answering the heath questions accurately. And we are pleased with the travel insurance plan she recommended . Thank you Sehar

Elaine Ray

Dornaz was extremely helpful in assisting me with the best travel insurance for my approaching trip to East Africa. Knowledgeable, professional, friendly, and quick to respond, I feel confident with the coverage I purchased and with it's price. Thank you Dornaz!,

Eric M

Very easy too renew travel to insurance. Dornaz very helpful and professional

Murray Rogers

Doenaz was a very efficient and a delight to deal with.

Maureen edmonds

Dornaz was extremely helpful and patient whilst helping me organize my travel insurance. Would certainly recommend this service for all travel insurance needs.

Murray Morrison

We dealt with Dornaz for our travel insurance needs for an upcoming trip and it was a good experience and we are very happy with what she placed for us. Hopefully we won’t need the insurance but we have peace of mind knowing that we are covered if we do.

Patti McTavish

Sehar Bajwa Was absolutely lovely, she explained and helped me select travel insurance for myself and husband for our up coming trip. I will keep her contact information for future travel insurance needs.
Thank you so much Sehar

Janice Greco

Artmiz was very helpful. She made the process very easy.

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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No Medical Life
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