No-medical life insurance lets you skip the nurse visit and blood tests. There are three routes in Canada: fully underwritten policies that waive the exam for healthy applicants, simplified-issue policies that rely on a short health questionnaire, and guaranteed-issue policies with no health questions at all. Speed and convenience usually cost more, so we show you which route gets you the best price for your health profile.
Life insurance
5 min read
Updated Oct 3, 2026
Term vs Whole Life Insurance in Canada: Which Fits You?
Term life gives the most coverage per dollar for a set period, while whole life covers you for life and builds cash value at a much higher price. Here is how to decide.
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