What residency status you need for No Medical Life insurance in Canada

All our life insurance plans are available to Canadian citizens and permanent residents who have maintained PR status for at least 6 months. Now, good news for non-citizens and non-permanent residents: work permit holders and refugees are also eligible for Canadian life insurance coverage.

No Medical Life insurance in Canada for non-citizens

Many newcomers worry about protecting their families financially but believe life insurance here is only available to Canadian citizens or permanent residents.

Our No Medical Life Insurance plans are designed to remove those barriers. With no medical exams required and simple eligibility, you can secure up to $500,000 in coverage. This tax-free benefit helps cover final expenses, outstanding debts, or other financial needs — ensuring your loved ones are protected.

Life in Canada comes with enough challenges. Getting life insurance shouldn’t be one of them. Take the first step today and request a no-obligation quote.

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By clicking Get My Quote, you authorize us to collect, use and disclose your personal information and the personal information of any person who may be insured under your insurance contract in accordance with privacy regulations and our Privacy Policy, which you can consult before you consent. By clicking Get My Quote you also authorize Specialty Life, its service providers, and/or affiliates to contact you at the number provided via phone, and/or text (SMS) using automated dialling technology for marketing purposes. Not a condition for purchase. Message and data rates may apply. To opt-out at any time reply “STOP” or contact us. For more information please ready our Terms and Conditions.

What Our Clients Say

How can you qualify for Canadian life insurance as a foreign national?

For refugees: provide documentation confirming your refugee status.
For work permit holders: provide a valid work permit with at least 6 months of residence in Canada.

How It Works

Request your free quote in 30 seconds.
Complete a quick form on our site — it only takes half a minute.

Connect with a friendly advisor.
A licensed advisor will reach out with a personalized quote. They may ask a few simple health questions to help secure the best possible rate for you — no exams or lab tests required.

Apply right over the phone.
If you’re happy with the quote and plan details, you can finalize your application during the same call.

Get covered within 24 hours.
Your policy is issued quickly, giving you peace of mind and protection without the stress. We’ll email it to you right away.

Got Questions?

Get answers from a licensed advisor to your most common life insurance questions.

See Our Frequently Asked Question