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What is no medical permanent life insurance?

No Medical Permanent Life Insurance provides protection for a lifetime. Premiums remain fixed from the day you start your policy, with no increase ever.

There are two major types of permanent life insurance for Canadians that do not require a medical exam:

Term 100 Life Insurance You do not need to undergo a medical exam to qualify. All you need to do is answer some questions about your health in a phone conversation with a licensed advisor. Coverage amounts may go as high as $1,000,000.

Guaranteed Life Insurance Designed for individuals settling their final affairs, this is the life insurance coverage you cannot be denied. It requires no medical exam or health questionnaires. Coverage limits on this policy go as high as $50,000.

Key benefits of our plans

No denials for health issues

Our plans are designed for those who want fast, affordable coverage and those who might have trouble getting coverage due to current or past health issues.

Guaranteed Rates

The rates for our plans are guaranteed to stay level for the entire term of the policy, ensuring your complete peace of mind.

No hassle of a medical exam

This means no time wasted on nurse’s visits, waiting for results and approvals. No bloodwork is required, no needles, no discomfort.

Obtain your policy in days, not weeks

No medical and no paperwork means your application can be processed immediately, and approval is often instant.

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