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Monday - Saturday:
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Unit 108 B - 2635, 37 Ave NE,
Calgary, AB, T1Y 5Z6
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No Medical Insurance
Fast, Simple Coverage
No Medical Life Insurance
Want life insurance without needles, exams, or long delays? No-medical life insurance lets you protect your family with a few simple health questions — and sometimes none at all.
The Basics
What is no-medical life insurance?
No-medical (or “simplified”) life insurance provides a tax-free benefit to your loved ones without the traditional medical exam. Instead of blood tests and physicals, you answer a short health questionnaire — and with guaranteed-issue plans, no health questions at all. It is a fast, straightforward way to get covered.
Two Main Options
Which type fits you?
Simplified issue
Answer a few health questions — no medical exam. Faster approval and typically lower premiums than guaranteed issue, with higher coverage amounts available.
Guaranteed issue
No health questions and no exam — acceptance is guaranteed within the eligible age range. Ideal if you have health conditions that make other coverage hard to get.
Who It’s For
No-medical coverage is a great fit if you…
- Have a health condition that makes traditional coverage difficult
- Want coverage in place quickly, without waiting weeks for underwriting
- Prefer to avoid medical exams, needles, or lab tests
- Are looking for final expense or funeral coverage for peace of mind
- Were declined or rated for other life insurance in the past
Why Families Choose Us
Local Calgary advice you can trust
10+ years of experience
An independent, licensed brokerage that has served Canadian families for over a decade.
3,000+ satisfied clients
Thousands of families have trusted us to protect what matters most to them.
Advice in your language
No jargon, no pressure — clear guidance in the language you are most comfortable with.
FAQs
Frequently asked questions
Is there really no medical exam?
Correct. Simplified-issue plans ask only a few health questions, and guaranteed-issue plans ask none. There are no medical exams, blood tests, or urine samples.
How much coverage can I get?
It varies by plan and age. Simplified-issue plans generally allow higher coverage amounts than guaranteed-issue plans. We will match you to the highest coverage you qualify for.
How quickly can I be covered?
Often within days — sometimes the same day — because there is no lengthy medical underwriting involved.
Are there waiting periods?
Some guaranteed-issue plans include a limited waiting period for natural-cause claims in the first two years. We will explain any waiting period clearly before you decide.
Get covered without the wait
Protect your family with no-medical life insurance. Get a free, no-pressure quote in minutes.
Unit 108 B – 2635, 37 Ave NE, Calgary, AB, T1Y 5Z6 • Mon–Sat 9:30am–6:30pm