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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
Susan Carr
The agent was very pleasant and knowledgeable. Dornaz had my qoute ready quickly and was very easy to deal with.
CHERYL SMITH
Muhammad was very helpful
Isabell Phelps
The agent who provided me with the information I needed and walked me through the procedure for getting the travel insurance was Ofir. He was most helpful. Thanks.
Carol Shogilev
I was impressed with your representative. She was patient, informative and helpful. I was a novice at obtaining travel insurance and Sehar guided me through the whole process. Would recommend her to anyone asking me for a travel insurance recommendation.
miles clarke
Excellent service and Dornaz was extremely helpful for getting my son travel insurance to the US.
HB
I found Artmiz from Alliance Income Service, who assisted me and she is very helpful, friendly, knowledgeable. I have been purchasing several travel insurance from her. Never had I run into a problem and she actually helped me to connect with insurance while I was in outside the country. I highly recommend her. Thank you Artmiz for helping to find a lowest rate. It was a pleasure doing business with you.
Al MacNeil
After checking with 5 other travel/accident/ health insurance companies, I chose Alliance Income due to the extent of coverage as well as price which were best in class. In particular Karen Wright-Ebanks was excellent. She took the time to clearly explain all of the features and followed up. We will definitely be using this company and working with the same agent again.
Patti Brewin
Sehar provided a quick response to my request for a travel insurance quote and then proceeded to assist with booking and payment. Thank you Sehar!
Marge Rusnak
I can honestly see I was worried about getting travel insurance for myself and finding a reasonable price❣️😊 I didn’t have to ask her to look into other companies for pricing to compare. She just automatically did and I couldn’t be happier with going through this company. I would recommend it to friends and family.❣️😊
Don LeBlanc
I request quotes from the company re travel insurance and dealt with agent, Theresa Heuser, she was very informative and knowledgeable of the packages offered by Alliance Income Services. She made my inquiry very easy and straight forward to understand.
marilyn campbell
Your employee Dormaz was amazing. Very helpful explaining the coverage I purchased and the amount charged. She was very prompt in getting back to me.
Bets Roos
Outstanding service! Excellent, prompt, friendly and knowledgeable travel and medical insurance service given by Ofir throughout various interactions.

Thank you very much, Ofir, your assistance is highly appreciated!
Marilin MBrace
Dornaz was very professional, knowable and friendly.
Debbie Stevens
Polite, helpful and efficient with a sense of humor. Great person to help customers.
Z. H.
Karen was very helpful in this process.
Cathleen Seamone
It was a pleasure talking to Karen Wright in ordering to purchase my travel insurance.
She was very pleasant and knowledgeable.
Thank you! Catherine (Cathleen Seamone)
Charles Boole
Sehar Bajwa gave me fantastic service for Medical Travel Insurance.

She was knowledgeable about the products she had and which ones's suited me. Even though I changed the dates of travel for a single trip a few times she was patient with me and gave me exactly what I wanted.

If you ever want Travel Insurance ask for Sehar Bajwa.

A More Than Satsified Client
Marian Avery
Very easy process to book insurance by Ofir.
Steve Shin
Ofir provided exceptional service in helping me secure emergency travel medical insurance. I had some very technical questions regarding top-up coverage and stability periods, and Ofir answered all of them clearly, promptly, and professionally. He made a potentially stressful and confusing process completely seamless and ensured I had the exact, safe coverage I needed. Thank you, Ofir, for the outstanding support and peace of mind!
Christiane Delon
It is the second time that I deal with Karen Wright to insure my trips and I am very happy with her service. She is competent, efficient, profesional and very courteous. I'll will call her again for my next trip.
Sara Raizel
Process was quick and easy, Ofir was pleasant and knowledgeable and helped me out start to finish in just a few minutes. For a future trip I will probably get other extended coverage as well, as for this trip we bought only medical and indeed unfortunately needed it
Rhonda Handlechner
Dornaz was knowledgeable and easy to deal with. She gave me a rundown on the policy and made me feel at ease.
Mimi Alam
Excellent customer service, professional and courteous. Thank you Karen Wright.
warren faleiro
Very helpful and easy to do business with. I needed travel insurance and got lots of quotes to compare. Purchase was painless and fast
Laura Courtney-Clarke
Thank you Karen Wright, for your very fast, efficient service to obtain my travel insurance. A quick medical questionnaire to complete, payment done, and I had it in my inbox ready to print. Effortless ! A good choice !
leslie mcculloch
Sehar was very knowlegable, understood my needs and was very helpfull setting me up with my coverage as well as explaining the contract. It made the whole process go very smoothly.
Les McCulloch
Valerie Roth
Dornaz is great to deal with. She made me feel that no question was a dumb question. Very helpful.
Larry Kellock
Karen Wright provided outstanding and timely service setting up the policy for our trip. Nice to have a piece of mind at a reasonable price for our trip
L.M.
Always a positive helpful experience with Dornaz. For all your travel insurance needs i would definitely recommend Dornaz with Alliance Insurance
Juliet Stephens
Karen was very efficient and friendly. She explained details in a very respectful way and we would be happy to deal with her in the future.
Bernie Lehmann
It's always a pleasure to deal with Karen Wright. She is always very helpful and courteous.
Bobbie Violante
Karen was very helpful and great to talk to. I would definitely recommend her to any of my friends wanting insurance.
mary Mulder
I just want to say that my experience with Muhammad sorting out my trip cancellation insurance was the best I could have hoped for - he is patient, knowledgeable and answered all my questions.
T Rum
Karen made this experience so easy and less stressful than I thought it was going to be. She was very professional and was able to answer all of my questions thoroughly and made me feel a little confident that I was getting a good product from her.
Selina Allen
I wanted to thank Dornaz on being very helpful for answering all my questions. She was very polite and patient. I had a a lot of questions.
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.

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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