No medical
life insurance
for seniors
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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 seniors?
Seniors often face denials and high premiums when rated under traditional life insurance. Extensive medical exams limit their options compared to younger applicants. We have an inclusive solution: no medical plans for seniors, regardless of their health or insurance history.
Our affordable no medical life insurance can help seniors with:
- Planning for final expenses and funeral costs so their family won’t have to.
- Protect their assets against taxation so they can be passed down to their children.
- Avoiding the burden of personal debt that can be forced on loved ones.
- Ensuring their spouse has enough to support their health and lifestyle.
- Create a legacy that will stand the test of time.
To seniors with health concerns who are interested in settling their final affairs, we offer a unique Guaranteed Issue plan called Excelsior. It provides coverage for a lifetime for Canadian residents between 18 and 80.
Key benefits of our plans
No denials for health issues
Our plans are designed for the those that 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 that 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