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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
Herb Arsenault
Dornaz was very helpful, knowledgeable and thorough. We are very happy with our experience in buying emergency medical insurance today.
haitham saadedin
I bought health insurance to my company emloyees, and luckily I dealt with Teressa, She was amazing, understanding so helpful.
did not bother her I made some changes and mistakes she kept working with me guide me spontaneously , its like we were sitting in same office ..kept going and get the job done as I like, Thank you Teressa, Thank you Alliance income Services
June Caine
Once I was able to get through on the phone, Karen was excellent. She was very friendly, patient and informative. She worked things out with me until she found the policy that I needed.
Magda Mahdy
Knowledgeable, curtis and efficient. I am very pleased with Karen expertise and professionality. Definitely I will use her service again.
Joe Wery
Sehar Bajwa was knowledgeable and provided explanations for all insurance coverage. Process was simple and easily done over the phone.
Angele Faucher
Muhammad was very patient with me while I decided.i recommend dealing with Muhammad .I think having insurance puts my mind at ease.
Sylvain
I always like to shop around to get the best deal, without compromising quality.
My research brought me to Allianz and I was contacted by Sehar Bajwa, who answered all my questions and sent me an email with all the details.
Not only was Allianz the best price, I also got good service from Sehar.
I hope that I will not need the insurance but if I do, I hope the good service I have received so far, will continue.
Thank you Sehar.
Heather Sutherland
Good assistance.
beth oberholtzer
Dornaz is an excellent agent! She is personable and very willing to provide lots of options. Highly recommend. Beth
Dale Hildebrandt
Dornaz provided our travel insurance efficiently and promptly. Her communication was clear and professional. Very pleased to work with her!
Mary Bortignon
I recently had the pleasure of dealing with Muhammad regarding travel insurance. I can't say enough about him. I had a few issues created by my Costco m/c. He went above and beyond to make changes to my policy because of m/c. I certainly won't hesitate contacting him in future for future travels or recommending him to friends & family. Thank you Mary Rate 110/100
Gloria Millar
So friendly and easy to talk to.
Michael Gabas
Dornaz was very helpful. Patiently listened to my concerns and questions as well as provided timely and what seemed to me as appropriate responses. Felt comfortable dealing with her on the phone.
Mary B
I had the pleasure of meeting and working with DORNAZ for my personal health and dental insurance. She is an absolutely incredible. She listened to me and provided detailed information during our first call. She was very diligent in following up with me by email. She was very patient as I had changed my request after she did everything. I can honestly say that she might be one of best people I have spoken to in the customer service industry.
She is a valuable asset.
Thank you DORNAZ !!!!!!
Kathleen Magladry
Muhammad at Alliance was helpful and responsive.
myles bunting
Friendly and efficient service provided in a prompt manner. All questions fully answered.
Alexandria
Very responsive to my many questions and super efficient process
Miriam Hartman
It was a pleasure dealing with Muhammad . Would deal with him again.
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
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

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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