No Medical Insurance provides straightforward life insurance protection with no medical exam or blood tests. Our No Medical Insurance products are designed to accommodate common health issues such as (but not limited to) diabetes, cancer, and heart disease, which typically prevent many Canadians from qualifying for life insurance at standard rates.

No Medical Term Plus   No Medical Term
The new no medical term life solution. Our simple application process takes all the guesswork out of the equation. By simply completing 16 clear questions, your clients can get coverage that meets their particular needs.
  Same characteristics as for the No Medical Term Plus in 7 questions and a maximum coverage amount of $150,000.
Product Features
• Issue ages: 20-70
• Coverage from $50,000 to $250,000 (up to $150,000 for No Medical Term)
• Term options: 10, 20 years
• No medical exam, no blood tests
• Renewable & convertible
• No attending physician statement (APS)
• Online application with LIA – instant approval
• Level & guaranteed premiums for duration of term selected
• Living benefit: 50% of sum insured in case of terminal illness
• Transportation benefit (200km/up to $2,000)
• Temporary insurance agreement (TIA, with No Medical Term Plus only)
Learn more about No Medical Insurance
• No Medical Term Plus
• No Medical Term 
• Accidental Death
• Accidental Fracture Plus
• Child Insurance Benefit