Life insurance without a medical exam in Quebec allows you to obtain financial protection quickly, without having to take a blood test or go to the doctor. Whether you have a medical history, are a senior or are looking for immediate coverage, our AMF-certified broker partners compare the best simplified and guaranteed issue life insurance offers for you. 100% free, no obligation.
Get life insurance without a doctor in 48 hours
Our certified broker partners compare the best simplified and guaranteed issuance offers. Free, no obligation.
Response within 24-48 hours — no medical exam required
What is life insurance without a medical exam?
Life insurance without a medical exam is a protection that does not require a blood test, an electrocardiogram or a visit to a doctor. The insurer assesses your eligibility based solely on a simplified health questionnaire — or even without any questions at all. There are two main categories:
- Simplified Issue Life Insurance : A Few Health Questions (5 to 15), 24 to 48 Hour Approval, Up to $500,000 Coverage. Ideal for people in relative good health who want to avoid the full exam.
- Guaranteed Issue Life Insurance : No health issues, no refusals, but limited coverage (usually up to $25,000) and a 24-month waiting period. Designed for people with significant health conditions.
48h
Approval time
Quick Response Without a Doctor
$500,000
Maximum coverage
With simplified issuance
100 %
Free
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Who should choose life insurance without examination?
4 profiles that have coverage without a doctor
Life insurance without a medical exam is not just for people who are sick. It is suitable for anyone who wants quick protection without medical constraints:
- People with a medical history : diabetes, hypertension, heart disease — simplified or guaranteed issuance allows access to coverage even with a complex health history.
- Seniors aged 55 to 75 : At this age, traditional medical examinations can lead to exclusions or very high premiums. Simplified issuance offers an accessible and competitive alternative.
- People looking for immediate coverage : a divorce, buying a home, a newborn — some life events require coverage in place within 24 to 48 hours.
- People who have already been refused : a refusal of traditional life insurance is not a rejection. Guaranteed life insurance offers coverage with no refusal.
Simplified Life Insurance vs. Guarantee — Comparison Table
Here are the main differences between the two types of life insurance without a medical exam available in Quebec:
How much does life insurance cost without a medical exam?
Premiums vary depending on your age, the amount of coverage you want and the type of insurance. Here are indicative ranges for a relatively healthy non-smoker:
* These amounts are approximate and vary depending on the insurer, your exact state of health and the duration of the contract. Our AMF-certified broker partners get you a personalized comparison — free of charge.
Our partner brokers work with the main insurers in Quebec to provide you with the most competitive offers based on your profile. By comparing multiple insurers, you can save up to 40% on your annual life insurance premium without a medical exam.
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Advantages and limitations of life insurance without examination
Benefits
- Universal accessibility : approved even with a medical history or advanced age.
- Speed : coverage in place within 24 to 48 hours, without waiting for test results.
- Simplicity : no blood test, no electrocardiogram, no medical visit.
- Immediate protection : With simplified issuance, there is usually no waiting period – the cover is effective as soon as the contract is issued.
- Certainty of approval : Guaranteed insurance cannot be refused, regardless of your state of health.
Limitations to be aware of
- Higher premiums : In the absence of a review, the insurer takes on an additional risk, reflected in an increased premium of 20 to 60% depending on the type.
- Limited coverage : The guaranteed issue is typically capped at $25,000, which is insufficient to replace a family income over several years.
- Waiting period : The guaranteed issue often includes a 24-month period during which only accidents are covered (not death due to illness).
- Less customization : Standardized products offer fewer riders than traditional policies taken out with review.
How to get your life insurance without an exam?
The process is simple and completely online with our partner brokers:
- Submit your application online — fill out our form in 2 minutes with your basic information (age, desired amount, needs).
- A certified broker contacts you — within 24 hours, an AMF certified broker partner presents you with several no-exam life insurance options tailored to your profile.
- Take the simplified questionnaire — for the simplified issue, a few online health questions (no doctor required). For the guaranteed issue, no questions.
- Receive your policy — upon approval (24 to 48 hours), your life insurance policy is issued electronically. Your coverage is immediately active.
To learn more about the regulations surrounding life insurance in Quebec, consult the resources of the Autorité des marchés financiers (AMF) and Assuris, the organization that protects Canadian policyholders.
Quebec Life Insurance Resources
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Frequently asked questions about life insurance without a medical exam
What is the difference between simplified life insurance and guaranteed life insurance?
Simplified issue life insurance raises some health questions (5 to 15) but does not require any medical examination. It allows for coverages up to $500,000 with approval in 24 to 48 hours. Guaranteed Issue Life Insurance is no question and can never be denied, but it is limited to about $25,000 in coverage and includes a 24-month waiting period for death due to illness. The main difference lies in the level of coverage available and the cost of the premium.
Can you be refused for life insurance without a medical exam?
For guaranteed issue life insurance, it is impossible to be refused, regardless of your state of health. For simplified issue life insurance, a refusal is possible if you answer yes to certain health questions (e.g., active cancer, recent serious heart disease, dialysis). However, in the event of a refusal for simplified issuance, the guaranteed insurance is still available. Our partner brokers will guide you towards the most suitable product for your situation.
What is the maximum amount of life insurance without examination in Quebec?
With simplified issue life insurance, some insurers offer coverage of up to $500,000, sometimes more depending on the insurer and your profile. With guaranteed issue life insurance, the limit is usually $25,000. If you need coverage over $500,000, traditional life insurance with a comprehensive medical exam will be required. Our broker partners help you determine the optimal amount for your family and financial needs.
Does no exam life insurance cover suicide?
Most life insurance policies in Quebec, whether they are exam or non-exam insurance, exclude death by suicide during the first two years of the policy. After this two-year period, the protection usually applies. This clause is standardized and governed by the Quebec Insurance Act . It is important to read the terms of your policy carefully. For any specific questions, the Autorité des marchés financiers publishes consumer information guides.
Is there a waiting period with life insurance without examination?
It depends on the type of product. Simplified issue life insurance generally does not have a waiting period — coverage is complete from the time the policy is issued, including for death due to illness. Guaranteed issue life insurance usually includes a 24-month waiting period : if you die of illness during this period, your beneficiaries only get back the premiums paid (plus interest). In the event of accidental death, full coverage is paid immediately.
At what age can you take out life insurance without a medical exam?
Most insurers accept applications for life insurance without examination from the age of 18 to age 75 or 80, depending on the product and the insurer. Guaranteed issue life insurance is especially popular with seniors aged 55 to 75 who want to leave an inheritance or cover their funeral expenses. The younger you buy, the better the premiums — our broker partners can help you find the most cost-effective solution for your age.
Is my life insurance without review protected if the insurer goes bankrupt?
Yes. In Canada, life insurance policies are covered by Assuris, Canada’s insured protection organization. In the event of your insurer’s bankruptcy, Assuris guarantees that at least 85% of your coverage or $200,000 (whichever is greater) will continue. This coverage applies to all life insurance policies issued by Assuris members, including policies without a medical exam.
Is Assur360’s matchmaking service really free?
Yes, the service is 100% free and without obligation for you. Our broker partners are compensated by insurers in the form of commissions — just like a real estate agent is compensated by the seller. You therefore have no cost to get a personalized comparison of the best life insurance offers without a medical exam available in Quebec. There is no obligation to subscribe following the consultation.