No medical
Guaranteed
life insurance
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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 guaranteed life insurance?
Guaranteed Life Insurance is a type of life insurance coverage that guarantees acceptance regardless of health or medical history. If you pass away, the tax-free benefit is paid to your beneficiaries, who can use the funds to cover final expenses, outstanding debts and more.
We offer a unique No Medical Life insurance solution with guaranteed acceptance.
Meet Excelsior, a plan with:
- Fixed premiums
- Lifetime coverage
- Coverage amounts up to $50,000
- Available for Canadians ages 18-80
- Absolutely no medical exams, blood tests, doctor visits
- No health questionnaires at all, just a single health qualifying question:
“Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”
Key benefits of our plans
Fixed premiums
Your payments don’t change throughout the policy, providing stability in financial planning.
No rejections based on health concerns
Our plans cater to people seeking swift, cost-effective coverage. You can be accepted regardless of past or present health issues.
Get your policy fast and hassle-free
Skip medical exams and paperwork for instant application processing and quick approval.
No medical exams are required at all
This means no doctor visits, blood or urine tests, and only one health-related question to be answered.
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