{"id":44849,"date":"2026-04-05T21:07:59","date_gmt":"2026-04-06T01:07:59","guid":{"rendered":"https:\/\/www.assur360.ca\/life-insurance-without-a-medical-exam-in-quebec\/"},"modified":"2026-06-26T02:29:21","modified_gmt":"2026-06-26T06:29:21","slug":"life-insurance-without-a-medical-exam-in-quebec","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/","title":{"rendered":"Life insurance without a medical exam in Quebec"},"content":{"rendered":"&#8220;`html\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#Life-insurance-without-a-medical-exam-in-Quebec\" >Life insurance without a medical exam in Quebec<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#Life-insurance-without-a-medical-exam-in-Quebec-%E2%80%94-Compare-offers-2026\" >Life insurance without a medical exam in Quebec \u2014 Compare offers 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#What-is-life-insurance-without-a-medical-exam\" >What is life insurance without a medical exam?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#Who-should-choose-life-insurance-without-examination\" >Who should choose life insurance without examination?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#Simplified-Life-Insurance-vs-Guarantee-%E2%80%94-Comparison-Table\" >Simplified Life Insurance vs. Guarantee \u2014 Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#How-much-does-life-insurance-cost-without-a-medical-exam\" >How much does life insurance cost without a medical exam?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#Advantages-and-limitations-of-life-insurance-without-examination\" >Advantages and limitations of life insurance without examination<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#How-to-get-your-life-insurance-without-an-exam\" >How to get your life insurance without an exam?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#Quebec-Life-Insurance-Resources\" >Quebec Life Insurance Resources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/#Frequently-asked-questions-about-life-insurance-without-a-medical-exam\" >Frequently asked questions about life insurance without a medical exam<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"Life-insurance-without-a-medical-exam-in-Quebec\"><\/span>Life insurance without a medical exam in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Life-insurance-without-a-medical-exam-in-Quebec-%E2%80%94-Compare-offers-2026\"><\/span>Life insurance without a medical exam in Quebec \u2014 Compare offers 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Life insurance without a medical exam<\/strong> 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 <strong>AMF-certified broker partners<\/strong> compare the best simplified and guaranteed issue life insurance offers for you. 100% free, no obligation.  <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d6b9e94e wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#ffffff;font-size:24px;font-style:normal;font-weight:700\">Get life insurance without a doctor in 48 hours<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">Our certified broker partners compare the best simplified and guaranteed issuance offers. Free, no obligation. <\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Get my quote without review<\/a><\/div>\n\n<\/div>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">Response within 24-48 hours \u2014 no medical exam required<\/p>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-life-insurance-without-a-medical-exam\"><\/span>What is life insurance without a medical exam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">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 \u2014 or even without any questions at all. There are two main categories:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Simplified Issue Life Insurance<\/strong> : 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. <\/li>\n<li><strong>Guaranteed Issue Life Insurance<\/strong> : 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. <\/li>\n<\/ul>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-eee0efca wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-318022ab wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">48h<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">Approval time<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">Quick Response Without a Doctor<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-318022ab wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">$500,000<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">Maximum coverage<\/p>\n\n&#8220;`\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">With simplified issuance<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-318022ab wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">100 %<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">Free<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">Free matchmaking service<\/p>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-should-choose-life-insurance-without-examination\"><\/span>Who should choose life insurance without examination?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-52b7c8f9 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:42%\">\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-vie-sans-examen.jpg\" alt=\"Simplified health consultation \u2014 life insurance without a medical exam\" class=\"wp-image-45072\" width=\"400\" height=\"400\" style=\"border-radius:12px;\" loading=\"lazy\"\/><\/figure>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:58%\">\n\n<h3 class=\"wp-block-heading\">4 profiles that have coverage without a doctor<\/h3>\n\n\n<p class=\"wp-block-paragraph\">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: <\/p>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>People with a medical history<\/strong> : diabetes, hypertension, heart disease \u2014 simplified or guaranteed issuance allows access to coverage even with a complex health history.<\/li>\n<li><strong>Seniors aged 55 to 75<\/strong> : At this age, traditional medical examinations can lead to exclusions or very high premiums. Simplified issuance offers an accessible and competitive alternative. <\/li>\n<li><strong>People looking for immediate coverage<\/strong> : a divorce, buying a home, a newborn \u2014 some life events require coverage in place within 24 to 48 hours.<\/li>\n<li><strong>People who have already been refused<\/strong> : a refusal of traditional life insurance is not a rejection. Guaranteed life insurance offers coverage with no refusal. <\/li>\n<\/ul>\n\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Simplified-Life-Insurance-vs-Guarantee-%E2%80%94-Comparison-Table\"><\/span>Simplified Life Insurance vs. Guarantee \u2014 Comparison Table<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Here are the main differences between the two types of life insurance without a medical exam available in Quebec:<\/p>\n\n<table style=\"width:100%;border-collapse:collapse;font-family:DM Sans,sans-serif;font-size:15px;border-radius:12px;overflow:hidden;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;\">Criterion<\/th>\n<th style=\"padding:14px 16px;text-align:left;\">Simplified<\/th>\n issuance<th style=\"padding:14px 16px;text-align:left;\">Guaranteed issuance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Health<\/td>\n questions<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Some questions (5-15)<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">None<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Approval<\/td>\n time<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">24-48 hours<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immediate<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Maximum<\/td>\n amountUp to $\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">500,000<\/td><td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Up to $25,000<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Premium vs. traditional<\/td>\n insurance<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+20 to 30%<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+40 to 60%<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Waiting<\/td>\n period<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">None<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">24 months (natural death)<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:13px 16px;font-weight:600;color:#0d1f2d;\">Best for<\/td>\n<td style=\"padding:13px 16px;color:#334155;\">Average health, need for high<\/td>\n coverage<td style=\"padding:13px 16px;color:#334155;\">Serious problems, previous refusals<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-life-insurance-cost-without-a-medical-exam\"><\/span>How much does life insurance cost without a medical exam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">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: <\/p>\n&#8220;`html\n\n<table style=\"width:100%;border-collapse:collapse;font-family:DM Sans,sans-serif;font-size:15px;border-radius:12px;overflow:hidden;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;\">Age<\/th>\nSimplified \u2014 $\n<th style=\"padding:14px 16px;text-align:left;\">100,000<\/th>Simplified \u2014 $\n<th style=\"padding:14px 16px;text-align:left;\">250,000<\/th><th style=\"padding:14px 16px;text-align:left;\">Warranty \u2014 $25,000<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">35 years<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$35-55\/month<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$75-110\/month<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$45-65\/month<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">45 years<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$65-95\/month<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$140-200\/month<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$70-90\/month<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">55 years old<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$110-165\/month<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$240-350\/month<\/td>\n<td style=\"padding:13px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">~$95-$125\/month<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:13px 16px;font-weight:600;color:#0d1f2d;\">65 years old<\/td>\n<td style=\"padding:13px 16px;color:#334155;\">~$200-280\/month<\/td>\n<td style=\"padding:13px 16px;color:#334155;\">~$450-600\/month<\/td>\n<td style=\"padding:13px 16px;color:#334155;\">~$130-175\/month<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p class=\"wp-block-paragraph\"><em>* 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 \u2014 free of charge. <\/em><\/p>\n\n<p class=\"wp-block-paragraph\">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. <\/p>\n\n<div class=\"wp-block-group has-border-color is-layout-constrained wp-container-core-group-is-layout-67483c6b wp-block-group-is-layout-constrained\" style=\"border-color:#10c4c7;border-width:2px;border-radius:16px;background-color:#f0fdfa;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:22px;font-style:normal;font-weight:700\">Have you been turned away or are you avoiding doctors?<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#334155\">Our certified insurance of persons partner brokers will find a solution adapted to your situation. 100% free, no obligation. <\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:16px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:14px;padding-right:40px;padding-bottom:14px;padding-left:40px\">Get my free quote<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages-and-limitations-of-life-insurance-without-examination\"><\/span>Advantages and limitations of life insurance without examination<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">Benefits<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Universal accessibility<\/strong> : approved even with a medical history or advanced age.<\/li>\n<li><strong>Speed<\/strong> : coverage in place within 24 to 48 hours, without waiting for test results.<\/li>\n<li><strong>Simplicity<\/strong> : no blood test, no electrocardiogram, no medical visit.<\/li>\n<li><strong>Immediate protection<\/strong> : With simplified issuance, there is usually no waiting period \u2013 the cover is effective as soon as the contract is issued.<\/li>\n<li><strong>Certainty of approval<\/strong> : Guaranteed insurance cannot be refused, regardless of your state of health.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Limitations to be aware of<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher premiums<\/strong> : 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.<\/li>\n<li><strong>Limited coverage<\/strong> : The guaranteed issue is typically capped at $25,000, which is insufficient to replace a family income over several years.<\/li>\n<li><strong>Waiting period<\/strong> : The guaranteed issue often includes a 24-month period during which only accidents are covered (not death due to illness).<\/li>\n<li><strong>Less customization<\/strong> : Standardized products offer fewer riders than traditional policies taken out with review.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-life-insurance-without-an-exam\"><\/span>How to get your life insurance without an exam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The process is simple and completely online with our partner brokers:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Submit your application online<\/strong> \u2014 fill out our form in 2 minutes with your basic information (age, desired amount, needs).<\/li>\n&#8220;`<li><strong>A certified broker contacts you<\/strong> \u2014 within 24 hours, an AMF certified broker partner presents you with several no-exam life insurance options tailored to your profile.<\/li>\n<li><strong>Take the simplified questionnaire<\/strong> \u2014 for the simplified issue, a few online health questions (no doctor required). For the guaranteed issue, no questions. <\/li>\n<li><strong>Receive your policy<\/strong> \u2014 upon approval (24 to 48 hours), your life insurance policy is issued electronically. Your coverage is immediately active. <\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">To learn more about the regulations surrounding life insurance in Quebec, consult the resources of the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/assurance-vie\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> and <a href=\"https:\/\/www.assuris.ca\/fr\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Assuris<\/a>, the organization that protects Canadian policyholders.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quebec-Life-Insurance-Resources\"><\/span>Quebec Life Insurance Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-c9dbc802 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-b62443b2 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:10px;background-color:#f8fafc;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\"><a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\" style=\"color:#0d1f2d;text-decoration:none;\">Complete Life Insurance Guide<\/a><\/p>\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px;\">Compare all types of life insurance in Quebec.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-b62443b2 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:10px;background-color:#f8fafc;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\"><a href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/\" style=\"color:#0d1f2d;text-decoration:none;\">Permanent life insurance<\/a><\/p>\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px;\">Lifetime cash value protection.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-b62443b2 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:10px;background-color:#f8fafc;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\"><a href=\"https:\/\/www.assur360.ca\/en\/disability-insurance-in-quebec\/\" style=\"color:#0d1f2d;text-decoration:none;\">Disability Insurance<\/a><\/p>\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px;\">Protect your income in the event of disability.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-b62443b2 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:10px;background-color:#f8fafc;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/\" style=\"color:#0d1f2d;text-decoration:none;\">Term life insurance<\/a><\/p>\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px;\">The most popular and affordable choice.<\/p>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-e5c0fe38 wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:48px;padding-right:32px;padding-bottom:48px;padding-left:32px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#ffffff;font-size:26px;font-style:normal;font-weight:700\">No medical examination. No delay. Guaranteed protection.  <\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">Our certified partner brokers will find you the best deal within 48 hours. Free, no obligation. <\/p>\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:15px;font-style:normal;font-weight:700\">Guaranteed approval \u2014 even with a medical history<\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Get my quote now<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-life-insurance-without-a-medical-exam\"><\/span>Frequently asked questions about life insurance without a medical exam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the difference between simplified life insurance and guaranteed life insurance?<\/summary>\n\n<p class=\"wp-block-paragraph\"><strong>Simplified issue<\/strong> 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. <strong>Guaranteed Issue<\/strong> 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.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Can you be refused for life insurance without a medical exam?<\/summary>\n\n<p class=\"wp-block-paragraph\">For <strong>guaranteed issue life insurance<\/strong>, it is impossible to be refused, regardless of your state of health. For <strong>simplified issue life insurance<\/strong>, 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.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the maximum amount of life insurance without examination in Quebec?<\/summary>\n\n<p class=\"wp-block-paragraph\">With <strong>simplified issue life insurance<\/strong>, some insurers offer coverage of up to <strong>$500,000<\/strong>, sometimes more depending on the insurer and your profile. With <strong>guaranteed issue life insurance<\/strong>, the limit is usually <strong>$25,000<\/strong>. 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.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does no exam life insurance cover suicide?<\/summary>\n\n<p class=\"wp-block-paragraph\">Most life insurance policies in Quebec, whether they are exam or non-exam insurance, exclude death by suicide during the <strong>first two years<\/strong> of the policy. After this two-year period, the protection usually applies. This clause is standardized and governed by the <em>Quebec Insurance Act<\/em>. It is important to read the terms of your policy carefully. For any specific questions, the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/assurance-vie\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Autorit\u00e9 des march\u00e9s<\/a> financiers publishes consumer information guides.    <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is there a waiting period with life insurance without examination?<\/summary>\n\n<p class=\"wp-block-paragraph\">It depends on the type of product. <strong>Simplified issue life insurance<\/strong> generally does <strong>not have a waiting period<\/strong> \u2014 coverage is complete from the time the policy is issued, including for death due to illness. <strong>Guaranteed issue life insurance<\/strong> usually includes a <strong>24-month waiting period<\/strong>: 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.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>At what age can you take out life insurance without a medical exam?<\/summary>\n\n<p class=\"wp-block-paragraph\">Most insurers accept <strong>applications for life insurance without examination<\/strong> from <strong>the age of 18 to age 75 or 80<\/strong>, depending on the product and the insurer. Guaranteed issue life insurance is especially popular with <strong>seniors aged 55 to 75<\/strong> who want to leave an inheritance or cover their funeral expenses. The younger you buy, the better the premiums \u2014 our broker partners can help you find the most cost-effective solution for your age.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is my life insurance without review protected if the insurer goes bankrupt?<\/summary>\n\n<p class=\"wp-block-paragraph\">Yes. In Canada, life insurance policies are covered by <strong><a href=\"https:\/\/www.assuris.ca\/fr\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Assuris<\/a><\/strong>, Canada&#8217;s insured protection organization. In the event of your insurer&#8217;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.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is Assur360&#8217;s matchmaking service really free?<\/summary>\n<p class=\"wp-block-paragraph\">Yes, the service is <strong>100% free and without obligation<\/strong> for you. Our broker partners are compensated by insurers in the form of commissions \u2014 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.   <\/p>\n\n<\/details>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between simplified life insurance and guaranteed life insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Simplified issue life insurance asks a few health questions (5 to 15) but does not require any medical exam. It allows coverage up to $500,000 with approval in 24 to 48 hours. 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