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Guaranteed Issue Life Insurance

With Guaranteed Issue Life Insurance, you can rest easy knowing that you can obtain the coverage you need regardless of your circumstances. Guaranteed Issue Life Insurance is a permanent plan that you cannot be denied for, with absolutely no medical exam or health questions required to start coverage. Regardless if you’ve been previously denied insurance for any reason, or are simply planning for your future, Guaranteed Issue is a simple and effective way of obtaining coverage.

Features of Guaranteed Issue Life Insurance

  • No medical exam or health questions required to qualify.

  • Premiums are guaranteed for the length of the plan.

  • Lifelong coverage with guaranteed benefit.

  • For some policies the benefit is limited to refund of premiums should you pass away within the first 2 years.

  • Many plans offer guarantees such as reduced premiums for non-smokers, premium-free coverage past a certain age, or a compassionate advance clause in case of terminal illness.

Why Consider Guaranteed Issue Life Insurance

  • You are concerned about your health status or age.

  • You have been denied life insurance coverage in the past for any reason.

  • You are ineligible for certain life insurance policies.

  • You do not wish to obtain a medical exam or answer a health questionnaire, or feel that in doing so would render you ineligible for life insurance.

  • You are planning your final expenses.

We specialize in life insurance for individuals over the age of 50, with plans offering eligibility up to age 85. Our relationship with leading Canadian insurers provides access to a wide range of no medical insurance policies including Guaranteed Issue. With easy undewriting you can be covered in a matter of days. Apply for a quote and discover your options.