No Medical Life Insurance
Coverage without exams for those with health conditions or time-sensitive needs. Michael navigates simplified and guaranteed issue options across multiple carriers.
Everyone deserves protection — even when traditional underwriting is not an option.
What is no medical life insurance?
No medical life insurance provides coverage without the blood tests, urine samples, and medical exams required by traditional policies. For applicants with health conditions, those who have been declined elsewhere, or people who simply need coverage quickly, no medical options offer a path to protection.
There are two main categories: simplified issue and guaranteed issue. Simplified issue policies ask health questions but do not require exams — if you answer the questions favorably, you can be approved quickly. Guaranteed issue policies ask no health questions at all and accept everyone who applies, though with higher premiums and lower coverage limits.
The trade-offs are real: no medical policies cost more than fully underwritten coverage, and coverage amounts are typically capped at $50,000 to $500,000 depending on the product. Guaranteed issue policies often include a graded death benefit, meaning the full benefit is not payable if death occurs within the first two or three years.
For those who genuinely cannot qualify for traditional coverage, no medical insurance provides essential protection that would otherwise be unavailable. Michael evaluates your health history and helps determine whether no medical coverage is necessary or whether traditional underwriting might still be possible at preferred rates.
Quick Reference
Is this right for you?
Those with health conditions
People managing diabetes, heart disease, cancer history, or other conditions.
Previously declined applicants
Those who were turned down for traditional coverage.
Seniors seeking coverage
Older applicants who may face challenges with traditional underwriting.
Time-sensitive situations
Those needing coverage quickly for mortgage or business requirements.
People uncomfortable with medical exams
Those who prefer not to undergo blood tests or medical procedures.
Those with lifestyle factors
Applicants with occupations or hobbies that complicate traditional underwriting.
How it works
Health Assessment
We review your health history to determine the best path — traditional or no medical.
Product Selection
Michael identifies simplified or guaranteed issue products suited to your situation.
Application Process
We complete the streamlined application — often approved within days.
Coverage Review
Once issued, we review policy terms to ensure you understand all provisions.
What to expect
What This Covers
- Death benefit paid to beneficiaries (may be graded for guaranteed issue)
- Permanent or term coverage options available
- No medical exams, blood tests, or urine samples required
- Quick approval process — often within days
- Coverage for applicants with pre-existing conditions
- Peace of mind for families who need protection now
×Common Exclusions
- ×Graded death benefit in first 2-3 years (guaranteed issue policies)
- ×Lower coverage limits than traditional underwriting
- ×Higher premiums than fully underwritten policies
- ×Pre-existing conditions still excluded during waiting period (some policies)
- ×Death by suicide within first two years
- ×Material misrepresentation still grounds for denial
Finding coverage solutions for every situation since 1999.
How we compare
Michael works with carriers offering no medical products: Manulife, Canada Life, Empire Life, Foresters, Industrial Alliance, and specialty providers. Each has different health question thresholds, pricing, and waiting period structures.
Before recommending no medical coverage, Michael explores whether traditional underwriting might still be possible. Many conditions that clients assume will cause decline may actually be insurable at standard or slightly higher rates through the right carrier.
If no medical coverage is genuinely the best path, Michael identifies the carrier offering the most coverage at the most reasonable cost for your specific health situation.
Frequently asked
Simplified issue asks health questions but requires no exam — if answers are favorable, you are approved. Guaranteed issue asks no questions and accepts everyone, but with higher premiums, lower limits, and graded death benefits (reduced payout if death occurs in first 2-3 years).
Often yes. Many health conditions are insurable through traditional underwriting, sometimes at preferred rates. Michael assesses your health history before recommending no medical — it may not be necessary, and traditional coverage offers better value if available.
With guaranteed issue policies, if you pass away in the first 2-3 years from illness, beneficiaries typically receive only a return of premiums paid plus interest — not the full death benefit. After the waiting period, the full benefit applies. Accidental death usually pays full benefit immediately.
Limits vary by product: simplified issue may offer up to $500,000 or more; guaranteed issue typically caps at $25,000 to $50,000. For larger coverage needs, we explore whether traditional underwriting is possible.
Yes. Because carriers accept higher risk without full underwriting, premiums are higher than comparable traditional policies. The cost difference depends on your age, coverage amount, and whether you qualify for simplified or need guaranteed issue.
Generally no — no medical policies do not include the conversion privileges found in traditional term insurance. If your health improves significantly, you could apply for new traditional coverage, but would need to qualify through standard underwriting.
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Let's discuss no medical life insurance.
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