No Medical Life Insurance in Canada

There are many reasons that some people prefer not to have to undergo a medical exam when they sign up for a life insurance policy, even though a medical exam has, in the past, been considered part of the usual procedure for getting a policy. People often find the exams too invasive, or perhaps it is difficult to fit doctors’ office hours into their hectic schedules. Whatever their reasons are, many companies now offer life insurance policies that do not require medical exams.

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Your health history

Even if you are not required by some policies to have a medical exam, your health history will still be relevant to your process of applying for life insurance. You will still have to fill out forms with details about your health. There might be specific questions having to do with your age, history, occupation, mental state, location, or lifestyle.

Online policies require detailed but fairly simple applications. Questions are asked such as what illnesses you have had, what your height and weight are, whether you’ve been convicted of drunk or dangerous driving, and whether you participate in any dangerous activities. Most insurance companies allow you to choose from applying online or applying over the phone.

One of the benefits of no exam life insurance is the speed with which you can get approved for a policy. If you are in good health, it can take as little as ten minutes, and you will avoid the delays caused by medical appointments, waiting for medical certifications, and collecting documents. All the paperwork can be done electronically, which means immediate submission instead of waiting. You can pay your premiums electronically, too, simply by having it automatically withdrawn every month, quarter, half-year, or year.

What type of policy is best for you

There are some questions you will need to ask about what kind of policy you should get, even if you have decided not to undergo a medical exam. First of all, if you smoke, you should know that smokers pay two or three times more than non-smokers pay for life insurance. An insurance agent may advise you that people with no dependents or debts do not need any life insurance at all, or only need enough to pay for funeral expenses.

You should also consider whether you want to get term life or whole life insurance. Term insurance lasts for a specified amount of time, usually covering the time period of your most costly obligations, and does not usually require a medical exam. You can choose the term; perhaps you want 20 years to last you until the kids graduate college, or perhaps you want 30 years to last you until retirement. Whole life insurance lasts your whole life, as long as you continue to pay the premiums, and does not expire or change at different points in your life.


Buying no exam life insurance on line or over the phone and paying for it the same way is an easy way to make sure that your family is protected if something should happen to you.

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Questions that this article talks about:
Is there "no medical" life insurance in Canada?
Is "no medical" life insurance really good?
What should I look out for with "no medical" life insurance?