Simplified / No-Medical Life Insurance in Ontario, Canada
Quick, Hassle-Free Coverage – No Medical Exam Needed
Dave Financial Services Inc. | Trusted Advisors Across Ontario
Looking for best guaranteed life insurance Canada without the stress of medical exams or health questionnaires? At Dave Financial Services Inc., we help individuals and families throughout Ontario secure simplified issue and non-medical life insurance that’s fast, flexible, and accessible—even with health concerns.
What Is No Medical Life Insurance?
Life Insurance in Canada with NO Medical is a policy that lets you skip the medical exam. Instead, you answer a few short health-related questions. It’s ideal for those who:
- Want quick coverage approval.
- Have a pre-existing medical condition.
- Prefer to avoid medical visits or paperwork.
- Ontario seniors needing final expense or estate coverage.
- Newcomers to Canada needing fast, basic protection.
- Entrepreneurs or gig workers without employer benefits.
- Anyone who has been declined by traditional insurance.
It offers a practical, no-hassle way to get life insurance—though premiums may be slightly higher due to the insurer taking on more risk.
Key Features of Simplified Life Insurance
- No medical exam required.
- Approval in 1–3 days.
- Coverage from $5,000 to $500,000+.
- Fixed premiums and tax-free payouts.
- Designed for people with health issues or seniors.
Types of No-Medical Life Insurance
| Type | Description |
|---|---|
| Simplified Issue | No exam, a few health questions |
| Guaranteed Acceptance | No questions at all – everyone approved |
| Final Expense Plans | For covering funeral costs and medical bills |
Non-Medical vs. Traditional Life Insurance
| Feature | Non-Medical Insurance | Traditional Life Insurance |
|---|---|---|
| Medical Exam Required? | ✗ No | ✓ Yes |
| Approval Time | ✓ Fast (1–3 days) | ✗ Slow (2–6 weeks) |
| Underwriting | Minimal or none | Full medical & lifestyle check |
| Premiums | Slightly higher | Lower (if healthy) |
| Best For | Seniors, health issues | Young & healthy applicants |
Coverage Available Across Ontario
We proudly offer non-medical Cheapest life insurance in:
Toronto, Mississauga, Brampton, Hamilton, Scarborough, Vaughan, London, Kitchener, Windsor, Guelph, Markham, Oakville, Niagara Falls, and more.
Some of Top No Medical Insurance Provider in Canada (and many more)
Canada Protection Plan (CPP): offering no medical and simplified life insurance.
- Term Options: Deferred Elite Term Life, Simplified Elite, Express Elite, Preferred Plans.
- Permanent Options: Guaranteed Acceptance Life, Deferred Life, Deferred & Simplified Elite Life.
Empire Life: Empire Life offers a variety of life insurance products, including non-medical options.
- Term Life Insurance: Policies available up to age 65.
- Whole Life Insurance: Provides lifelong coverage with potential cash value.
Manulife Financial: offering a wide range of insurance products, including non-medical life insurance options.
- Manulife Simplified Issue Life Insurance: Provides coverage without the need for a medical exam.
Sun Life Financial: offering comprehensive life insurance solutions, including non-medical policies.
- Sun Life Go Term Life Insurance: A simplified issue policy with quick approval.
- Sun Life Go Guaranteed Issue Life Insurance: Provides coverage without.
BMO Insurance: offers a variety of life insurance products, including non-medical options.
- BMO Simplified Life Insurance: Provides coverage with minimal health questions.
- BMO Guaranteed Issue Life Insurance: Offers coverage without medical exams.
RBC Insurance: offers a range of insurance products, including non-medical life insurance policies.
- RBC Simplified Issue Life Insurance: A policy with easy application and quick approval.
- RBC Guaranteed Issue Life Insurance: Provides coverage without medical exams.
Tips for Choosing the Right Non-Medical Life Insurance
- Assess Your Health Needs: Determine if you have any pre-existing conditions that might affect your eligibility for traditional life insurance.
- Compare Coverage Options: Evaluate the coverage amounts and types of policies offered by different insurers.
- Consider Premium Costs: Understand that non-medical life insurance policies may have higher premiums due to the lack of medical underwriting.
- Check Eligibility Criteria: Ensure you meet the age and health requirements for the policies you're considering.
- Consult with an Advisor: Speak with a licensed insurance advisor to help navigate your options and find the best policy for your needs.
FAQs – Non-Medical Life Insurance in Canada
Yes! That’s exactly what simplified and guaranteed issue life insurance is for.
Usually yes, but it’s worth it for those needing fast or guaranteed coverage.
Absolutely. Many plans accept applicants up to 85 years of age.
Guaranteed issue plans don’t ask health questions and won’t turn you away.
Coverage can range from $5,000 to over $500,000 depending on the plan.
Ready for an Insurance Quote? No Exams. No Stress.
- Trusted advice
- Multiple insurer options
- Fast approvals