· 
No Medical Life Insurance Quotes in Canada
Compare rates across multiple no-medical and simplified-issue carriers in one call. Skip the paramedical exam and get covered without lab work, blood tests, or doctor visits.
Serving Ontario, Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, and Saskatchewan.
Independent broker. Real rates. No obligation.
Licensed independent brokerage since 2007. Over 25 years of experience placing coverage across Canada.
No Medical Life Insurance Rates by Carrier
These are current monthly premiums from three of Canada’s main simplified-issue carriers (no medical exam, just a short health questionnaire on the application). Same products we quote every day.
Male Non-Smoker, 20-Year Term, $250,000 Coverage
| Carrier | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| Assumption Life Platinum | $32.40 | $60.98 | $186.08 |
| CPP Simplified Elite | $45.68 | $69.08 | $193.05 |
| iA Access Life Immediate Plus | $48.38 | $73.65 | $206.55 |
Female Non-Smoker, 20-Year Term, $250,000 Coverage
| Carrier | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| Assumption Life Platinum | $29.70 | $45.90 | $133.20 |
| CPP Simplified Elite | $31.05 | $53.33 | $133.43 |
| iA Access Life Immediate Plus | $32.85 | $56.70 | $142.42 |
Look at the spread. At age 45, a male non-smoker pays $60.98 with Assumption Life and $73.65 with iA Access Life for the same $250,000 of 20-year coverage. The cheapest carrier at one age band is rarely the cheapest at the next. This is why a one-call comparison across carriers matters more than going direct to one company.
By comparison, a healthy 35-year-old male qualifying for RBC YourTerm with Express Underwriting (fully underwritten, no paramedical exam required for healthy applicants under age 50) pays $19.44 per month for the same coverage. That is roughly 40% less than the cheapest simplified-issue rate above. If you qualify, accelerated underwriting almost always beats simplified. Checking that path first is part of how we route every quote.
Source: protectyourwealth.ca, based on current carrier rates for $250,000 of 20-year term coverage, standard non-smoker class. Rates for illustration only and subject to underwriting outcome. Actual premiums depend on full application.
Three Types of No Medical Life Insurance in Canada
No medical life insurance is not a single product. It is a category that covers three different underwriting paths, each with its own qualification process, coverage limits, and pricing. Knowing which path applies to your situation is the difference between paying a fair rate and paying 50% more than you needed to.
Type 01
Simplified Issue
A short health questionnaire on the application, no medical exam, no lab work. Coverage starts day one for applicants who clear the questions. Up to $750,000 with some carriers. The middle path between full underwriting and guaranteed acceptance.
Type 02
Guaranteed Issue
No health questions at all. Approval is generally available within the carrier’s age, residency, and product eligibility rules. The trade-off is a 24-month deferred benefit period on non-accidental death and lower coverage limits, typically $25,000 to $100,000. Accidental death pays from day one.
Type 03
Accelerated Underwriting
A non-medical pathway inside fully underwritten products. Healthy applicants skip the paramedical exam and qualify at standard rates, often higher coverage than simplified-issue, with day-one coverage. Available with carriers like RBC YourTerm and Sun Life through the broker channel.
The three types are not interchangeable. Simplified-issue and guaranteed-issue premiums typically run about 50% higher than fully underwritten standard rates, with 10 to 20% being the low end on the cheapest simplified products. Accelerated underwriting closes that gap entirely because the rate class is the same as fully underwritten standard, just without the paramedical exam.
For the deeper breakdown of how each type qualifies, what coverage starts when, and why the order you apply in matters, see our guide to simplified issue vs guaranteed issue life insurance. The rest of this hub focuses on whether no medical is the right path for you, which carriers we work with, and how a quote actually moves through our process.
Should You Actually Need No Medical Life Insurance?
The first question isn’t which no medical product to choose. It’s whether you should be in this category at all.
Most people who land on a no medical search are healthier than they think. Controlled blood pressure on stable medication, a managed thyroid condition, a high-cholesterol diagnosis with statins, a previous postponement at age 35 that nobody has revisited in eight years. None of those automatically push you into simplified-issue or guaranteed-issue territory. They might mean a small rating on a fully underwritten policy, but a rated full underwriting policy is still cheaper than a clean simplified-issue one in most cases. That is the part that gets missed when someone goes direct to one company and gets a “no” on a single application.
Before any quote is run on this page, the first thing a broker checks is whether you would qualify for standard or near-standard rates on a fully underwritten policy. If you do, going simplified-issue is paying 50% more than you needed to. The reverse is also true: if you would not qualify, applying through a fully underwritten path first creates a record that follows you. A decline on your MIB file (the Medical Information Bureau, the database carriers use to share underwriting outcomes) can close doors at simplified-issue carriers that would have accepted you 48 hours earlier.
So the real decision is not “which no medical product.” It is “do I belong in no medical at all, and if yes, what is the right order to apply.” That answer is rarely obvious from a search query.
When No Medical Is Genuinely the Right Call
Speed, not health.
A collateral loan closing in 5 days. A mortgage funding next week. A custody agreement requiring proof of coverage by month-end. Simplified-issue or accelerated underwriting can place coverage in 24 to 72 hours where fully underwritten takes 4 to 8 weeks.
Recent decline or postponement on full underwriting.
If a fully underwritten application has already been declined, the file is on MIB. Re-applying through full underwriting is unlikely to change the outcome. Simplified-issue questions are more lenient and may still accept the application; guaranteed-issue accepts regardless.
Coverage need exceeds one carrier’s simplified-issue cap.
Most simplified-issue products top out between $500,000 and $750,000 per insured. When the actual coverage need is $1.5 million on a hard-to-place applicant, stacking two or three simplified-issue policies across different carriers is sometimes the only path. This is broker work, not direct-to-consumer.
Health history that genuinely rules out full underwriting.
Recent cancer diagnosis, current dialysis, advanced diabetic complications, multiple cardiac events. These are not partial concerns; they are the situations no medical was designed for.
If none of those four situations describe your case, the next stop probably isn’t here. Look at fully underwritten term life insurance first. If you need permanent coverage, look at the whole life insurance options. The simplified rates above are real, but they are real for the right applicant. Wrong applicant, wrong product, wrong price.
The cleanest way to find out is one call. We run the comparison across both no medical and fully underwritten paths in parallel, flag whether your profile actually belongs in the no medical category, and price the right one. If you would qualify for standard rates fully underwritten, that is the recommendation. If simplified-issue is the right path, we tell you which carrier and which tier without you having to apply blind.
The 5 Main No Medical Carriers We Work With
When the choice is genuinely between simplified-issue and accelerated-underwriting carriers, here is the routing logic. Each of these five wins on something different. The right carrier for a 38-year-old healthy applicant looking for $750,000 of coverage is not the same as the right carrier for a 67-year-old with controlled diabetes wanting $100,000.
Assumption Life Platinum Protection
Wins on price and coverage cap
Highest simplified-issue cap on this list at $750,000 for ages 18 to 50, $500,000 for ages 51 to 75. On directly comparable simplified-issue applications, Assumption typically prices below CPP and iA. The 19-question screen progressively routes applicants to the highest tier they qualify for; failing earlier blocks reroutes to Golden, Silver, or Bronze Protection rather than producing a flat decline. New Brunswick-based mutual carrier. Often the first quote pulled on a simplified-issue file.
Canada Protection Plan Simplified Elite
Wins on 25-year term and permanent conversion
The most established no medical specialist in Canada, owned by Foresters Financial. The only carrier on this list offering a 25-year term length on simplified-issue (issue ages 18 to 55). CPP also tends to price below competitors on Term to 100 and on permanent whole life conversions from term, which matters when future conversion is part of the plan. The application uses sectional routing: a “yes” in any block reroutes the file to a lower tier rather than producing a decline.
iA Access Life
Wins on complex health profiles
The most flexible question structure on the list, and the only product that handles complex health profiles inside a single application. Issue ages from 6 months to 80. Four progressive steps: Step 1 is true guaranteed acceptance with zero questions, Step 4 is full immediate coverage with 13 questions and up to $500,000 of coverage. The trade-off is price; iA Access carries the highest simplified-issue rates of the three carriers in this category. The right choice when health concerns rule out Assumption or CPP at higher tiers.
Sun Life Term with Non-Paramedical Pathway
Wins on brand-name accelerated underwriting
Fully underwritten product with a non-paramedical pathway through the broker channel. Healthy applicants ages 18 to 50 can secure up to $1,000,000 of coverage with no paramedical, no labs, and no urinalysis at standard fully-underwritten rates. Ages 51 to 60 qualify for up to $500,000 on the same terms. The pathway works at standard class only; preferred or optimum non-smoker classes still require the full medical workup. Almost always a better outcome than simplified-issue when the applicant qualifies.
RBC YourTerm with Express Underwriting
Wins on instant approval and speed
Healthy applicants ages 50 and under can secure up to $2,000,000 of coverage with instant point-of-sale approval, no medical exam, no labs, and no tele-interview. Standard fully-underwritten rates. Between $2 million and $3 million, no medical evidence is required but the file routes through Express Team review for a five-business-day turnaround. Above 50, the Express Team continues handling files at the age and amount bands where standard underwriting applies, just on a faster cycle. The widest age and amount range of any major-carrier accelerated UW pathway in market.
The five above cover most of what we route through on no medical files. For full carrier-by-carrier breakdowns including detailed pricing, eligibility criteria, and application step-throughs, see our complete review of the top 5 no medical life insurance plans in Canada.
Two related options come up often: Assumption Life’s final expense lineup for applicants over 75 looking for permanent coverage with the same simplified-issue screen, and CPP’s final expense permanent products when the goal is funeral-cost coverage rather than term protection.
How a No Medical Quote Works With Us
The fastest way through this process is one conversation, not a form filled out blind. Most no medical files we place are issued in 24 to 72 hours from the first call. Here is how the steps actually move.
One conversation to map your situation
Age, health history, what coverage is for, how soon you need it. Five to ten minutes by phone or online form. We need this before quoting because no medical pricing is health-driven; the same age and amount can land at three different rates depending on what we surface in this conversation.
We run no medical and fully underwritten paths in parallel
Both options are quoted at the same time, not sequentially. If your profile fits accelerated underwriting at standard rates with RBC or Sun Life, that is the recommendation. If simplified-issue is the right path, we identify which carrier and which tier before any application is submitted. You see the comparison.
Anonymous preliminary checks for borderline cases
When the file is borderline (recent diagnosis, controlled but flagged condition, height-weight close to a carrier’s threshold), we contact carrier underwriting directly with anonymous specs before submitting an application. Your name is not on file. Your record is not affected. The result is a clear answer on rate class before you commit.
You choose, we handle the application
Once the right carrier and product are confirmed, we walk through the application together. Health questions are answered with you in real time, not left for you to interpret alone. We submit, track underwriting, follow up directly with the carrier, and keep you updated until the policy is issued.
Coverage placed and rate locked
For most simplified-issue and accelerated underwriting files, policy issue is 24 to 72 hours from application submission. Premium is locked for the term length, the application is closed, and you have proof of coverage in hand. Same-day issue is possible on certain carriers when the file is straightforward and the application is submitted in the morning.
The whole process from first call to policy in hand is typically inside a week for straightforward no medical files. Borderline cases that need preliminary underwriting checks add a few days. Files that genuinely belong on fully underwritten with paramedical and labs run 4 to 8 weeks; that is also where most of the savings live for healthy applicants.
Why a Broker Beats Going Direct on No Medical
No medical is the one product category where going direct to a single carrier is the most expensive route by design. Pricing varies more carrier-to-carrier on simplified-issue than on any other product type. Going direct sees one of those rates. Going through a broker sees all of them.
Going Direct
One company, one outcome
You see one carrier’s rate. Their underwriting, their question count, their cap. If their answers don’t fit your profile, the application gets declined or rated, and that outcome lands on your MIB record.
Future applications at simplified-issue carriers may then ask whether you’ve ever been declined. A “yes” closes doors that were open the day before.
No way to know whether a different carrier would have accepted you at standard rates. Most direct buyers never find out.
Working With a Broker
Multiple carriers, one application order
All major no medical and accelerated-underwriting carriers compared at the same time. The cheapest carrier for your specific health profile is identified before you commit.
Application order is sequenced to protect your MIB record. Anonymous preliminary checks resolve borderline cases without putting your name on file.
Same time investment as one direct application. Different result: you see every option that fits, not the first one a single company chose to offer.
The other thing direct channels can’t do is tell you when no medical isn’t the right answer. We will. If your health profile would qualify for fully underwritten standard rates, that’s the recommendation, even when no medical was what brought you to the page.
No Medical Life Insurance Quotes: Common Questions
The questions we get most often on no medical files. Process and timing answers, not product definitions. For deeper definitional questions like simplified vs guaranteed differences or pre-existing condition coverage, the supporting blogs linked above cover those in detail.
01
How fast can I actually get coverage?
For straightforward simplified-issue and accelerated-underwriting files, policy issue is typically 24 to 72 hours from application submission. The full timeline from first call to policy in hand usually runs inside a week. Borderline cases that need preliminary underwriting checks add a few days. The slowest path on no medical is still faster than the fastest path on fully underwritten with paramedical and labs, which runs 4 to 8 weeks.
02
What information do I need to give for a quote?
Date of birth, smoking status, height and weight, the coverage amount you want, and a brief overview of any health conditions or medications. That is enough for a preliminary comparison across carriers. We don’t need full medical records or carrier-specific application detail at the quote stage. The full application, with all health questions, comes after you have chosen a direction and confirmed which carrier and product.
03
Will getting a quote affect my MIB record or credit?
No. Quotes are not applications. Nothing reaches MIB or any credit bureau at the quote stage. Even at the application stage, life insurance applications do not affect credit scores. The only record that gets created is on MIB, which carriers use to share underwriting outcomes among themselves. For borderline cases, we run anonymous preliminary checks with carrier underwriting before any application gets your name on it, which protects the record entirely.
04
Can I get same-day no medical coverage?
Sometimes, yes. Same-day issue is possible on accelerated-underwriting products like RBC YourTerm with Express Underwriting when the application is submitted in the morning, the file is straightforward, and the applicant qualifies cleanly. Simplified-issue carriers typically issue within 24 to 72 hours rather than same-day. We can flag at the quote stage whether your file has same-day potential or is more realistic at 48 to 72 hours.
05
How much no medical coverage can I qualify for?
Up to $750,000 with the highest-cap simplified-issue carrier (Assumption Life Platinum, ages 18 to 50). Up to $2,000,000 with accelerated underwriting (RBC YourTerm Express, ages 50 and under, healthy applicants). Guaranteed-issue products typically cap at $25,000 to $100,000 per insured. The right cap depends on age, health, and which underwriting path your profile fits. For larger needs that exceed a single carrier’s simplified-issue cap, stacking policies across carriers is sometimes the route. This decision guide walks through whether no medical is actually the right path for your coverage need.
06
Do I need to talk to someone or can I do everything online?
A short conversation, by phone or video, is part of the process. The application itself can be completed online with you walking through the questions while we are on the call. The reason we don’t push fully self-serve online applications is that no medical health questions are interpretation-sensitive. A “yes” or “no” on a question about medications or past consultations can change which carrier accepts the file. Having a broker on the call when those questions are answered prevents the wrong checkbox from costing you the better rate.
Insurers that we work with
