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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

Excellent4.8★★★★★ ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koya ★★★★★ It was pleasure working with Mariam and Eric. We are seniors and trying to get a reasonable price for travel insurance.Fay BellefontaineFay Bellefontaine ★★★★★ I sent an email yesterday. They called today. Marion and Eric were excellent. Highly recommend this company. Rates are excellent tooAnnette ChisholmAnnette Chisholm ★★★★★ Eric was fantastic. Quick , easy and affordable.Tracey PeerTracey Peer ★★★★★ Eric was very professional and found the best plan for me at this time.Trev HutchinsTrev Hutchins ★★★★★ Eric Clementi was an absolute pleasure to work with. Very professional and courteous.Berit LysBerit Lys ★★★★★ Artmiz, must be the best Agent I have ever dealt with. She is articulate and has a wonderful sense of humour apart from an intimate knowledge of her products. She demonstrates a quick grasp of what people actually need (or don't need) and points quickly to available options. She is actually the only Insurance Agent I feel like calling back again. Great work Artmiz !!Malcolm KhanMalcolm Khan ★★★★☆ Artmiz was very helpful and polite.We would certainly consider using Allianz againVictor LeblancVictor Leblanc ★★★★★ Artmiz Namazi is one of the most pleasant people I have ever dealt with. She was polite, personable, and helpful on the telephone. She promptly replied to both phone calls and emails. It was a pleasure to deal with her. The price of the insurance was more than reasonable.Patricia KostrichPatricia Kostrich ★★★★★ Artmiz Namazi is very helpful, patient & just a delight to speak with doing businessWe have dealt with different people for travel insurance over the years & some could take some lessons from ArtmizJoan FlemingJoan Fleming ★★★★★ Artmiz was very pleasant and patient to deal with. Happy with our coverage.Bob WainesBob Waines ★★★★★ I need a travel insurance, I had spent a lot of time for search online and talked with many agencies, none of them to give me the good advice and the good price.Finally I got Alliance Income services company, special thanks to Ms. Artmiz Namazi.Ms. Artmiz Namazi very professional, friendly, working hard. She got for me the most efficient contract with the best deal.Don’t waste your time, here is the company for you to get travel insurance when needed.Tuong Dang (Tuong Dang)Tuong Dang (Tuong Dang) ★★★★★ Eric was a great help !angela youngangela young ★★★★★ I spoke with Stephania , then with Eric . Thay were both very helpful and courteous and friendly. They made purchasing insurance very easy. Thank you .Mary MacPheeMary MacPhee ★★★★★ Good experience.Tina PiquetteTina Piquettejs_loader

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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.

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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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