Life Insurance Without Medical Exam — Carriers & Options in Canada (2026)
Life insurance without a medical exam in Canada comes in two main forms: simplified issue (health questions, no paramedical) and guaranteed issue (no health questions, lower limits). This guide lists carriers that offer these options, typical coverage limits, and how to compare no-exam quotes. For the full picture see life insurance no medical exam and buy life insurance no medical exam Canada.
Updated March 16, 2026
Carriers offering life insurance without medical exam
Sun Life — Sun Life Go: term life with no exam, often 24–48 hour approval for qualifying applicants. Manulife — simplified issue term products. iA Financial (Industrial Alliance) — no-exam term options. Other insurers also offer simplified or guaranteed issue; limits and eligibility vary. Sunlife no medical exam options and best no medical life insurance Canada give more detail on specific carriers.
Simplified issue vs guaranteed issue
Simplified issue: You answer health and lifestyle questions; no nurse or doctor exam. Underwriting may use prescription or other data. Coverage can go up to $1M+ with some insurers. Guaranteed issue: No health questions; acceptance is guaranteed. Coverage is usually capped (e.g. $25,000–$50,000) and premiums are higher per $1,000. Useful when you cannot qualify for simplified or fully underwritten coverage. See no medical exam life insurance.
Comparing no-exam quotes
Use a comparison platform to see multiple no-exam and fully underwritten options. LowestRates.io shows term and no-exam quotes from 50+ Canadian providers so you can compare limits and premiums. If you’re healthy, fully underwritten term often offers better value; if you want speed or have health concerns, no-exam options fill the gap.
FAQ
Which insurers offer life insurance without a medical exam?
Sun Life (Go), Manulife, iA Financial, and others offer simplified or guaranteed issue. Compare quotes to see who fits your profile.
Simplified vs guaranteed issue?
Simplified: health questions, no exam; higher limits. Guaranteed: no health questions, guaranteed acceptance; lower limits, higher cost.
How much coverage without an exam?
Simplified issue can reach $1M+ with some carriers. Guaranteed issue is often $25K–$50K. Limits vary by insurer and age.
Get a no-exam quote
Compare life insurance without medical exam from 50+ Canadian providers. Also see life insurance no medical exam and final expense insurance.