No Medical Insurance

No Medical Life Insurance is a type of life insurance that doesn’t require a medical exam, doctor’s visit or medical report.

If you are between the ages of 20 to 80 you can apply for coverage even if :

  • You have been turned down in the past
  • You are a smoker
  • You are hard to insure
  • You are overweight
  • You just don’t want to go through a medical exam

  • There are two types of No Medical Life Insurance policies: Guaranteed Life – no health questions or medical exams and Simplified Issue – no medical exams and just a few health questions. Based on your particular needs and requirements our professional advisors will be able to determine which plan is right for you.

    Investment & Insurance Services

    Term Life Insurance

    Term Life Insurance is the simplest and most affordable type of Life Insurance. It provides protection for a predetermined term, usually 10 or 20 years. Your Insurance coverage never decreases, and the premiums are guaranteed for the length of the Term Life Insurance.

    Whole Life Insurance

    Whole Life Insurance is a permanent insurance that provides coverage for lifetime. You can pay this plan off in 10-15-20 years or by age 65, and plan runs for ever. It has a guaranteed cash surrender value. You can withdraw or borrow against this CSV to meet your financial needs.

    Critical Illness Insurance

    Critical Illness policies are designed to provide a tax-free lump sum money to help an insured in meeting his financial obligations and adapting to his changed circumstances caused by a life-threatening critical illness. You can opt for return of premium on expiry if claim has not been made. Popular critical illnesses are: Heart attack, Cancer, By-pass surgery and Stroke.

    Super Visa Insurance

    The Super Visa allows parents and grandparents to visit and spend time with their children and/or grandchildren living in Canada. They can visit multiple times, each stay cannot last more than 24 months.