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If you have a dangerous job or hobby, that may not go down so well with traditional life insurance companies. The same holds true for hobbies like skydiving and bungee jumping. Some jobs - like commercial fishing and underground mining - are riskier than others.
TERM LIFE NO PHYSICAL FULL
The premium rates are similar to life insurance policies with full medical underwriting. It only asks you a few questions to prove your eligibility.
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If you’re in good health but don’t like the idea of medical exams, consider an accelerated issue life insurance policy. (Yes, that’s a recognized medical condition and not just a fancy term.) Up to 20% of the adult population have a needle phobia, according to research. Looking for affordable coverage without a medical test because you have a fear of needles? Affordable life insurance without a medical test However, if you are too unhealthy or too old, guaranteed issue life insurance may be your only option. You just need to answer some health questions to qualify. Give simplified issue life insurance a try. You can have another go at it with no medical life insurance companies. If you have an underlying health condition and are denied traditional coverage, all is not lost. BOOK A CALL Get coverage even with health issues Benefits of no medical life insuranceĬhat with a licensed advisor at (905) 367-0344 or schedule a time today. You're also likely to receive a higher annual premium rate than someone who’s in better health. However, your health condition will likely affect how much life insurance you can buy. There are many life insurance products designed specifically for Canadians with medical conditions. Having health concerns or pre-existing conditions is not the end all be all. If you have a pre-existing condition, you might think it would keep you from getting life insurance. Can I get life insurance if I have health concerns or pre-existing conditions? If the insurance provider finds out you were dishonest during your application, it can reduce the payout or even deny your claims altogether. You must answer these questions truthfully. Insurance providers will also ask you medical questions. No-medical policies usually cost more than traditional life. However, this convenience comes at a cost. No medical life insurance lets you avoid a medical test. If you have an underlying condition, you may be worrying about how results will affect your premiums. If you’re fit and healthy, it can seem like a waste of time (though if you're perfectly healthy, you should get the medical component done if possible) Taking life insurance medical exams can be a hassle. No medical exam life insurance is exactly what it sounds like: a life insurance product that doesn’t require a physical exam to qualify for coverage.