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Non-Medical Insurance

If a person is hard to insure, there are life insurance plans specifically designed for no medical underwriting for a lower face value. The premium may be slightly higher than a brokered insurance plan designed for healthy people.

You will only have to answer the typical questions in the policy application. These plans work best for people who:

  • Have previously been turned down by insurers
  • Are hard to insure
  • Have been long-term smokers
  • Are overweight
  • Refuse to take a medical exam

Before you purchase this plan, we can advise you of your options based on your health history, or if there are past failed applications. By searching the market, we will find the most suitable plan for your situation. You may be able to be underwritten by certain underwriters who accept more risk.

We will assess both a regular and/or non-medical life insurance plans and may advise submitting both types of applications. Both traditional and non medical insurance plan benefits are 100% tax-free in Canada when paid to beneficiaries.

 

 

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The particulars contained herein were obtained from sources which we believe reliable but are not guaranteed by us and may be incomplete. The opinions expressed have not been approved by and are not those of Investia Financial Services Inc. This website is not deemed to be used as a solicitation in a jurisdiction where this Investia representative is not registered

Mutual funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc. Insurance products are offered by Integrated Wealth Management.

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