No medical
life insurance for Canadians over 50
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Easy to apply
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Instantly qualify
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Reliable, affordable protection
Get a Free Personalized Quote
What is no medical life insurance for people over 50?
Over 50 life insurance is a set of options designed for Canadians aged 50 and up. All plans offer a simple, hassle-free application process — no medical tests required.
You can choose from the following coverage options:
Term Life Insurance
- 10- or 20-year coverage
- Up to $500,000 benefit
- Fixed premiums
- Possibility to renew or convert to a permanent plan
Permanent Life Insurance
- Term 100 Plan, with basic health questions you can answer over the phone. Offers up to $500,000 in coverage with fixed premiums payable until age 100. If you live beyond that, your coverage stays in force at no additional cost.
- Excelsior Plan with only one health-related question to qualify. Provides up to $50,000 in coverage with fixed premiums. Ideal for covering funeral expenses. The question is: “Have you been diagnosed with a life expectancy of 24 months or less, or are you currently in the hospital or terminally ill?”
Optional Add-Ons
- You can also add Cancer Protection (payout upon diagnosis) and Accidental Death and Dismemberment Insurance.
Request a free, no-obligation quote by filling out the short form above. Our licensed advisors will contact you with all available options.
Key benefits of our plans
No Denials for Health Issues
Get fast, affordable coverage — even if you’ve had health problems in the past.
No Medical Exams Required
Skip the nurse visits, blood tests, and waiting. There is no discomfort involved.
Guaranteed Rates
Enjoy the security of fixed premiums that won’t increase over time—your rate is locked in for the entire term of the policy.
Quick, Simple Approval
With no medical exams or lengthy forms, your application can be processed in minutes. Many are approved the same day.
What Our Clients Say
Getting coverage is as easy as 1-2-3-4
Complete a quick, 30 seconds quote request on our site
Our friendly advisor will reach out with a personalized quote. Some health questions may be asked to ensure we are getting you the best rate possible.
If you happy with the quote and the terms of the plan, your application is finalized right over the phone.
Get your policy in 24 hours. You are covered and stress-free!
Got Questions?
Get answers from a licensed advisor to your most common life insurance questions.
See Our Frequently Asked Question