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No-Medical Life Insurance in Canada: Get Covered Without an Exam

Fast approval with health questions instead of needles — including options if you have a medical condition.

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.

checkDecisions in minutes to days instead of weeks
checkNo blood, urine or paramedical exam
checkOptions for diabetes, heart conditions and other health issues
checkGuaranteed-issue coverage for people declined elsewhere

Instant estimate

No email needed

boltNo-Medical Life Insurance estimate

Coverage amount $500,000

$100k$1M$2M

Your age

YRS

Province / territory

smoke_freeTobacco / vaping in past 12 months?

Estimated premium

$27.00 /mo

Typical range $27.00–$38.00

Many applicants bolt No-exam options

Example: 35-year-old female, non-smoker, $500,000 Term 20 · as of October 2026. Estimate, not an offer.

Coverage options

Types of no-medical life insurance in Canada

Man applying for life insurance online at home

Exam-waived (accelerated) underwriting

Full-underwriting prices for healthy applicants, approved using health questions and database checks.

Simplified issue

A few yes/no health questions; higher premiums; coverage limits typically lower.

Guaranteed issue

No health questions. Usually a 2-year waiting period for non-accidental death and small maximums — often used for final expenses.

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What affects your price

Couple completing an online life insurance application on a tablet

1Answers to health questions
2Age
3Coverage amount (limits apply)
4Tobacco use

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Your instant estimate

Estimates start from about

$27.00/mo

Example: 35-year-old female, non-smoker, $500,000 Term 20 · as of October 2026. Not a quote — your price depends on your details and the insurer.

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Local rules & pricing

No-Medical Life Insurance by province

ON No-Medical Life in Ontario QC No-Medical Life in Quebec BC No-Medical Life in British Columbia AB No-Medical Life in Alberta MB No-Medical Life in Manitoba SK No-Medical Life in Saskatchewan NS No-Medical Life in Nova Scotia NB No-Medical Life in New Brunswick NL No-Medical Life in Newfoundland and Labrador PE No-Medical Life in Prince Edward Island YT No-Medical Life in Yukon NT No-Medical Life in Northwest Territories NU No-Medical Life in Nunavut

Learn before you buy

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quiz Straight answers

No-Medical Life Insurance FAQ

policyHave a complaint about an insurer?

Start with the insurer’s complaint officer. Unresolved home, auto and business disputes can go to the General Insurance OmbudService; life and health disputes to the OmbudService for Life & Health Insurance.

Is no-medical life insurance more expensive?

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Simplified- and guaranteed-issue policies cost more because the insurer knows less about your health. If you are healthy, an exam-waived fully underwritten policy can cost the same as traditional coverage — which is why comparing routes matters.

What is the waiting period on guaranteed-issue life insurance?

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Most guaranteed-issue policies in Canada pay only a refund of premiums (sometimes with interest) if death from natural causes occurs in the first two years. Accidental death is usually covered from day one.

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Licensed Michael Le Chi, CFP Certified Financial Planner · Contributing author

Talk it through with a licensed no-medical life advisor

Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.

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