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NO MEDICAL EXAM LIFE INSURANCE

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NO MEDICAL EXAM LIFE INSURANCE
NO MEDICAL EXAM LIFE INSURANCE

 

Have you had any problems getting insurance because of your health?

Your chances of buying a home and protecting your family in the event of a disability have just dropped drastically?

 

No problem! Online Insurance offers 7 different protections that are FAST, WITHOUT REFUSAL and INSTANTLY ACCEPTED without undergoing embarrassing questions, syringes, tests or medical exams.

 

This type of insurance is ideal for people who:

  • have health problems

  • want to be insured quickly

  • are hardly insurable

  • have a lifestyle or habits that they prefer not to disclose

  • do not want to answer too many questions

  • have disdain for medical exams

  • want one or more protections simultaneously

NO MEDICAL

EXAM INSURANCE:

 
 
TERM LIFE INSURANCE NO MEDICAL EXAM
TERM CRITICAL ILLNESS INSURANCE WITHOUT MEDICAL EXAM

TEMPORARY LIFE INSURANCE
WITHOUT MEDICAL EXAM

TEMPORARY CRITICAL ILLNESS INSURANCE
WITHOUT MEDICAL EXAM

  • Only 6 eligibility questions

  • Available for people aged 18 to 70

  • Guaranteed capital available ranging from $5,000 to $300,000

  • Choice of temporary contract 10 years or 20 years

  • The premium will stay the same until the age of 80

  • Existing conditions or health problems are not covered for the first 12 to 24 months depending on the duration of the contract, but after this waiting period they are covered;

  • No verification at the Medical Information Bureau (MIB)

  • Instantly accepted

  • Only 6 eligibility questions

  • Available for people aged 18 to 55

  • Guaranteed capital available ranging from $5,000 to $100,000

  • Choice of temporary contract 10 years or 20 years

  • Renewal of contract up until you are 65

  • Covered diseases: cancer, heart attack, stroke, coronary surgery (bypass)

  • Existing conditions or health problems are not covered for the first 12 to 24 months depending on the duration of the contract, but after this waiting period they are covered;

  • Return of premiums in case of death if the contract has not served

  • No verification at the Medical Information Bureau (MIB)

  • Instantly accepted

  • Option: 75% refund of premiums after 20 years without claim

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TEMPORARY DEBT INSURANCE WITHOUT MEDICAL EXAM
TEMPORARY INCOME INSURANCE WITHOUT MEDICAL EXAM

TEMPORARY DEBT INSURANCE
WITHOUT MEDICAL EXAM

TEMPORARY INCOME INSURANCE
WITHOUT MEDICAL EXAM

Covers a portion of your debts in case of disability as a result of an accident or illness and allows you to focus on a complete recovery.

  • Only 6 eligibility questions

  • Available for people aged 18 to 55

  • Guaranteed coverage available ranging from $400 to $2500/month

  • Compensation for 24 months

  • Uncoordinated with other disability insurance

  • 90-day waiting period

  • Retroactive indemnity for 90 days of deprivation after 6 months

  • Choice of temporary contract 10 years or 20 years

  • Renewal up until your are 65

  • Existing conditions or health problems are not covered for the first 12 to 24 months depending on the duration of the contract, but after this waiting period they are covered;

  • No verification at the Medical Information Bureau (MIB)

  • Instantly accepted

  • Option: 75% refund of premiums after 20 years without claim.

Covers part of your income in case of disability and provided you work (minimum 28 weeks per year and 21 hours per week) or you are on parental leave.

  • Only 6 eligibility questions

  • Available for people aged 18 to 55

  • Guaranteed coverage available ranging from $400 to $2500/month

  • Compensation for 24 months

  • Coordinates with other disability insurance after the first $ 1200 paid

  • 90-day waiting period

  • Retroactive indemnity for 90 days of deprivation after 6 months

  • Choice of temporary contract 10 years or 20 years

  • Renewal up until you are 65

  • Existing conditions or health problems are not covered for the first 12 to 24 months depending on the duration of the contract, but after this waiting period they are covered;

  • No verification at the Medical Information Bureau (MIB)

  • Instantly accepted

  • Option: 75% refund of premiums after 20 years without claim.

 
 

The following 3 protections are available in SIMPLIFIED ISSUE INSURANCE, which means there are less stringent conditions associated with obtaining these products and the premiums are more advantageous than those of insurances offered strictly without medical examination.
 

They are aimed at people who play extreme sports, retirees, people who do not like syringes or who have already been refused by an insurer, etc.

 
 
CANCER INSURANCE INSTANT EMISSION
PERMANENT LIFE INSURANCE SIMPLIFIED TRANSMISSIONERMANENTE ÉMISSION SIMPLIFIÉE EN LIGNE
TERM LIFE INSURANCE SIMPLIFIED TRANSMISSION
 
 
 

CANCER INSURANCE
INSTANT EMISSION

PERMANENT LIFE INSURANCE SIMPLIFIED TRANSMISSION

TERM LIFE INSURANCE SIMPLIFIED TRANSMISSION

  • Only 3 eligibility questions

  • Available for people aged 18 to 80

  • Guaranteed capital ranging from $5,000 to $75,000

  • Receive 100% of the guaranteed capital in case of cancer diagnosis that threatens your life

  • Receive 15% of the guaranteed capital in case of cancer diagnosis that does not threaten your life (without terminating the contract)

  • Your beneficiary receives 15% of the guaranteed capital in case of death

  • Guaranteed premium for 10 years, it will be adjusted to reflect the age reached at all 10-year periods

  • Contract duration up until you are 90

  • Lump sum payable 30 days after diagnosis

  • Instantly issued

  1. Option: Add an insurance rider in case of stroke, coronary surgery, heart attack (myocardial infarction), paralysis and coma

  • Available for people aged 18 to 80

  • Guaranteed capital ranging from $10,000 to $500,000

  • The premium will always remain the same

  • Choose to pay the contract within a period of 20 years or until you are 100 years old 

  • Streamlined issue (approximately 2 weeks)

  • In the case of a monthly payment method, the first month is free

  1. Option: rider of temporary insurance for children

  2. Option: coverage of hospital expenses

  • Available for people aged 18 to 70

  • Guaranteed capital ranging from $25,000 to $500,000

  • The premium will always remain the same until the end of the contract

  • Choice of temporary contract 10 years, 20 years or 25 years

  • Choice of the number of years of payment, 10 years, 20 years or 25 years

  • Streamlined issue (approximately 2 weeks)

  • In the case of a monthly payment method, the first month is free

  1. Option: rider of temporary insurance for children

  2. Option: coverage of hospital expenses

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• COMMENT LES ASSUREURS PEUVENT NOUS ASSURER SANS NOUS CONNAITRE ? / HOW CAN INSURERS MAKE US WITHOUT US KNOWING US?


Les assurances sans examens médicaux sont des protections financières qui sont très rapides et faciles à obtenir. Par contre, en échange que l’assureur vous pose moins de questions, attendez-vous qu’il exige une prime plus élevée pour compenser les risques supplémentaires d’assurer un individu dont le profil de santé est inconnu. / (English) Insurance without medical exams are financial protections that are very quick and easy to obtain. On the other hand, in exchange for the insurer asking you fewer questions, expect that it requires a higher premium to compensate for the additional risks of insuring an individual whose health profile is unknown.




• C’EST QUOI UN RENOUVELLEMENT GARANTI ? / WHAT IS GUARANTEED RENEWAL?


Votre contrat comporte des clauses qui sont définies clairement. Certaines peuvent être exercées seulement à votre demande et d’autres sont passives. Un renouvellement garanti signifie qu’au terme de votre contrat, le contrat va continuer d’exister au-delà de la période prévue, sans subir un examen médical et sans répondre à des questions d’assurabilité. À ce point, l’assureur ne peut pas savoir ni comprendre pourquoi vous avez encore besoin de cette protection, alors il va se protéger en exigeant une prime plus élevée. Généralement, si vous être en bonne santé et que vous avez encore besoin d’une assurance, il est préférable de faire une nouvelle demande d’assurance et résilier le contrat précédent avant qu’il se renouvelle automatiquement. Prenez garde de ne jamais résilier un contrat aussi longtemps que le nouveau contrat ne sera pas en vigueur. / (English) Your contract has clauses that are clearly defined. Some may be exercised only at your request and others are passive. A guaranteed renewal means that at the end of your contract, the contract will continue to exist beyond the prescribed period, without having to undergo a medical examination and without answering questions of insurability. At this point, the insurer can not know or understand why you still need this protection, so it will protect itself by demanding a higher premium. Generally, if you are in good health and still need insurance, it is better to re-apply for insurance and terminate the previous contract before it automatically renews. Be careful never to terminate a contract as long as the new contract is not in effect.




• COMMENT SAVOIR SI J’AI FAIT LE BON CHOIX D’ASSURANCE SANS EXAMEN MÉDICAL? / HOW DO I KNOW IF I HAVE MADE THE RIGHT CHOICE OF NO MEDICAL EXAM?


Ce genre d’assurance est vraiment idéal pour les gens qui tombent inconscients en regardant une seringue, qui pratiquent des sports extrêmes, qui ont une santé problématique, qui ont déjà été refusés par un assureur, qui veulent éviter une investigation dans leur dossier au MIB, etc.

Parmi les choix, plusieurs protections peuvent s’appliquer à votre situation financière. Un conseiller sera en mesure de vous aider à prioriser laquelle ou lesquelles sont les plus pertinentes ou en harmonie avec vos préoccupations et vos objectifs.

/ (English)

This kind of insurance is really ideal for people who fall unconscious by looking at a syringe, who play extreme sports, who have a problematic health, who have already been refused by an insurer, who want to avoid an investigation in their file at the MIB. etc. Among the choices, several protections may apply to your financial situation. An advisor will be able to help you prioritize which one (s) are most relevant to or in alignment with your concerns and goals.





ONLINE INSURANCE THINKS ABOUT YOUR WELL-BEING: NO WORRIES! JUST PEACE OF MIND!

ONLINE LIFE INSURANCE

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