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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:

1)ASSURANCE VIE TEMPORAIRE SANS EXAMEN MÉDICAL EN LIGNE
2)ASSURANCE MALADIE GRAVE TEMPORAIRE SANS EXAMEN MÉDICAL EN LIGNE
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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assurane en ligne
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.

4)ASSURANCE REVENU TEMPORAIRE SANS EXAMEN MÉDICAL EN LIGNE
3)ASSURANCE DETTES TEMPORAIRE SANS EXAMEN MÉDICAL EN LIGNE

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.

8)assurance à émission simplifiée en ligne
8)ASSURANCE À ÉMISSION SIMPLIFIÉE EN LIGNE
CANCER INSURANCE INSTANT EMISSION
PERMANENT LIFE INSURANCE SIMPLIFIED TRANSMISSIONERMANENTE ÉMISSION SIMPLIFIÉE EN LIGNE
TERM LIFE INSURANCE SIMPLIFIED TRANSMISSION
5)ASSURANCE CANCER ÉMISSION INSTANTANÉE EN LIGNE
6)ASSURANCE VIE PERMANENTE ÉMISSION SIMPLIFIÉE EN LIGE
7)ASSURANCE VIE TEMPORAIRE ÉMISSION SIMPLIFIÉE EN LIGNE

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

assurane en ligne
  • • COMMENT CHOISIR UN CONTRAT? / HOW TO CHOOSE A CONTRACT?
    Si vous avez des doutes, ne vous inquiétez pas, notre conseiller en assurances de personnes vous accompagnera dans ce choix pour valider sa pertinence, le type, la durée de la protection et un prix très compétitif ; Toutes les nuances, parmi tous les types de contrats pertinents, seront expliquées par notre conseiller en ligne ; La durée de vos protections sera harmonisée avec vos objectifs par notre conseiller ; Par exemple, si votre objectif est de protéger la valeur de votre maison, alors une assurance temporaire d’une durée de 25 ans qui couvre le montant de l’hypothèque sera un choix approprié Par exemple, si votre objectif est de laisser un héritage à vos enfants et que vous avez des liquidités qui dépassent les besoins de votre budget et de votre CELI, une assurance vie universelle (permanente) sera un choix approprié Par exemple, si votre objectif est de protéger la valeur de votre maison et que vous souscrivez un contrat d’assurance vie universelle (permanente), à moins que vous soyez très âgé et fortuné, il y a une dissonance entre votre objectif et le type d’assurance vie proposé 3. Le conseiller dirigera votre demande vers la compagnie d’assurance qui est le plus susceptible d’accepter votre profil de santé et le capital de protection que vous demandez. / (English) If you have doubts, do not worry, our insurance advisor will accompany you in this choice to validate its relevance, type, duration of protection and a very competitive price; All nuances, among all types of relevant contracts, will be explained by our online advisor; The duration of your protections will be harmonized with your objectives by our advisor; For example, if your goal is to protect the value of your home, then a 25-year term insurance that covers the mortgage amount will be an appropriate choice For example, if your goal is to leave an inheritance to your children and you have cash that exceeds the needs of your budget and your TFSA, universal (permanent) life insurance will be an appropriate choice. For example, if your goal is to protect the value of your home and you purchase a universal (permanent) life insurance policy, unless you are very old and wealthy, there is a dissonance between your goal and the type proposed life insurance 3. The advisor will direct your application to the insurance company that is most likely to accept your health profile and the protective capital you request.
  • • COMMENT ANNULER UN CONTRAT D'ASSURANCE ? / HOW TO CANCEL AN INSURANCE CONTRACT?
    Dans tous les cas, peu importe la compagnie ou l’institution qui l’offre, la résiliation d’une assurance est gratuite. Annuler un contrat comporte des risques : Dans le cas d’une assurance bancaire, il suffit d’aller à votre institution financière prêteuse pour signer une décharge de responsabilité qui confirme votre demande de résiliation. Prenez garde de résilier votre contrat uniquement si vous en avez un autre qui le remplace et qui est en vigueur ou si votre besoin de protection financière n’existe plus. Si votre contrat est une assurance individuelle, comme une assurance vie, une assurance salaire ou maladie grave, etc., votre conseiller doit remplir et vous présenter un préavis de remplacement qui identifie tous les avantages et désavantages de votre contrat actuel et celui qu’il vous propose. Seulement une fois que le nouvel assureur aura accepté votre demande ou votre proposition d’assurance, que vous pourrez faire parvenir une lettre qui demande la résiliation de votre ancien contrat sans qu’un risque financier vous surprenne ! / (English) In any case, no matter which company or institution offers it, the termination of an insurance is free. To cancel a contract entails risks: In the case of a bank insurance, simply go to your lending financial institution to sign a waiver of liability that confirms your request for termination. Be careful to terminate your contract only if you have one that replaces it and is in effect or if your need for financial protection no longer exists. If your policy is an individual insurance, such as life insurance, salary or critical illness insurance, etc., your advisor must complete and provide you with a replacement notice that identifies all the advantages and disadvantages of your current contract and the one offer you. Only once the new insurer has accepted your application or your insurance proposal, you can send a letter asking for the cancellation of your old contract without a financial risk surprises you!
  • • TOUS À PROPOS DE REFUS ? / ALL ABOUT REFUSAL?
    Il faut savoir que les compagnies d’assurances ont créé une institution qui s’appelle : Medical Information Bureau (MIB). Le MIB recueille toutes les informations qui ont été soumises lorsque vous avez rempli des propositions ou des demandes d’assurances au cours de votre vie. Cette base de données est consultée par tous les assureurs au Canada, afin de valider votre bonne foi et vos omissions, qu’elles soient involontaires ou volontaires. Normalement, les compagnies d’assurances vont étudier les réponses aux questions qu’elles vous auront demandées, le MIB et possiblement les résultats de tests paramédicaux pour soit émettre une : Acceptation au taux non-fumeurs ou privilégié, Acceptation au taux fumeurs ou régulier, Acceptation avec exclusion, Acceptation avec surprime, Refus. Le degré de risque, que votre profil de santé représente pour eux, varie d’un assureur à l’autre et c’est ce risque qui détermine largement la prime de votre police d’assurance. Selon son expérience et les ententes de courtages qu’il détient avec différents assureurs, votre conseiller devrait diriger votre demande vers un assureur qui est peu ou pas susceptible de vous refuser, du moins selon les réponses aux questions qui font partie de votre demande d’assurance. Gardez en tête que c’est difficile de prédire les résultats des tests paramédicaux, mais ils sont parfaitement évitables, tout comme l’investigation au MIB, en optant pour les assurances sans examens médicaux. Si vous avez déjà un refus qui a été enregistré au MIB, ne vous inquiétez pas, contacter Assurance En Ligne et nous vous trouverons des solutions, c’est promis. / (English) You have to know that the insurance companies have created an institution called: Medical Information Bureau (MIB). The MIB collects all the information that was submitted when you completed insurance applications or requests during your lifetime. This database is consulted by all insurers in Canada to validate your good faith and your omissions, whether involuntary or voluntary. Normally, insurance companies will study the answers to the questions they have asked you, the MIB and possibly the results of paramedical tests to either issue a: Acceptance at the non-smoking or privileged rate, Acceptance at the smoking or regular rate, Acceptance with exclusion, Acceptance with premium, Refusal. The degree of risk that your health profile represents for them varies from one insurer to another and it is this risk that largely determines the premium of your insurance policy. Based on his experience and the brokerage arrangements he has with different insurers, your advisor should direct your claim to an insurer that is unlikely or unlikely to refuse you, at least according to the answers to the questions that form part of your claim. insurance. Keep in mind that it is difficult to predict the results of paramedical tests, but they are perfectly avoidable, as the investigation at the MIB, opting for insurance without medical examinations. If you already have a refusal that has been registered at the MIB, do not worry, contact Online Insurance and we will find solutions, it is promised.

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

ONLINE LIFE INSURANCE

SIMILAR PRODUCTS:

INSURANCE:

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