Our No Medical Insurance products are designed to accommodate common health issues such as (but not limited to) diabetes, cancer, and heart disease, which typically prevent many Canadians from qualifying for life insurance at standard rates.
No Medical Term Plus
Our simple application process takes all the guesswork out of the equation. By simply completing 16 clear questions, your clients can get coverage that meets their particular needs.
No Medical Term
Same characteristics as for the No Medical Term Plus in 7 questions and a maximum coverage amount of $150,000.
Product features
- Issue ages: 20-70
- Coverage from $50,000 to $250,000 (up to $150,000 for No Medical Term)
- Term options: 10, 20 years
- Simplified issue - No medical exam
- Renewable & convertible (applies only to No Medical Term Plus)
- No attending physician statement (APS)
- Online application with LIA – instant approval
- Level & guaranteed premiums for the duration of the term selected
- Living benefit: 50% of sum insured in case of terminal illness
- Transportation benefit (200km/up to $2,000)
- Temporary insurance agreement (TIA, with No Medical Term Plus only)
Riders
- Accidental Death
- Accidental Fracture Plus
- Child Insurance Benefit
- No Medical Term
- No Medical Term Plus
- Rider Guide
* Restrictions apply.
Relevant Documents Product Guide