Understanding the world of protecting your loved ones and handling end-of-life costs can be difficult. With so many options, it can get confusing. A frequently mentioned term is "non-medical life insurance," also recognized as guaranteed issue or simplified issue insurance. Among various types, non-medical insurance is the easiest to obtain, making it appealing for those seeking coverage.

Let's delve into what non-medical life insurance entails, who it may suit, and whether it is a suitable option for you.

One type of no-medical life insurance is Guaranteed Issue, providing a quick and efficient way to obtain life insurance coverage. Unlike traditional policies that depend on passing medical evaluations and disclosing medical history, guaranteed-issue life insurance doesn't require medical tests.

It operates as a simplified issue policy, typically without requiring you to answer any medical questions and never necessitating a medical exam. Most importantly, it ensures a guaranteed payout, as the name implies.

Traditional medical underwriting includes blood and urine analysis, and blood pressure tests to assess the risk level for the insurance company. This process takes time and might lead to rejections based on the test results, slowing down your application significantly.

To simplify life insurance, Guaranteed Insurance offers Excelsior, a no-medical policy for Canadian residents aged 18 to 80 years. With just an easy health question to answer, your loved ones will receive the financial protection necessary to navigate through challenging circumstances.

Explore the simplicity and convenience of our Guaranteed issue Life Insurance at Guaranteed Insurance. Discover a range of benefits designed to make obtaining coverage easy and accessible:

Another noteworthy aspect is our Excelsior Guaranteed Issue Life Insurance plan, which provides lifelong protection with consistent premium payments. Additionally, the policy offers flexibility with coverage amounts ranging from $5,000 to $50,000, tailored to individual financial goals. With this plan, you can guarantee stable protection without reductions

The financial advantages extend to tax-free benefits, offering beneficiaries the full intended amount. Additionally, the plans offer a review period, allowing customers 10 days to assess and, if necessary, cancel without obligations or questions, demonstrating a commitment to flexibility and customer satisfaction.


Ready to find out if you qualify? Explore more about this plan and give your future a boost!

Securing a life insurance policy while in good health is often the wisest choice. This allows you to secure lower premiums than if you apply for it later, when the risk of pre-existing conditions may be higher. So with guaranteed issue, their pre-existing conditions would not affect the cost, but their being older will.

Remember that the future is uncertain, and as you get older, qualifying for life insurance becomes increasingly difficult. Applying early increases the chances of approving you for an affordable plan.

Life insurance serves as a valuable financial tool for unexpected situations. Choosing a no-medical plan with guaranteed acceptance is a great decision. It can cover final expenses and help your loved ones during tough times.

At Guaranteed Insurance, we are committed to providing an affordable and accessible permanent policy for nearly everyone in Canada.

If you are interested in learning more about your eligibility to apply for our innovative plan, click on the following button.

Are non-medical policies a secure choice? This question often lingers in the minds of many: "Will my family members receive death benefits when I pass away?"

Understanding this worry, our team has worked to simplify the challenges often associated with applying for life insurance. This guarantees that, if you were to pass away, your loved ones receive the death benefit without unnecessary complications.

It's essential to note that Excelsior, our no-medical life insurance with guaranteed acceptance, provides lifelong coverage. Additionally, our policy remains in effect regardless of your health, as long as you consistently pay the premiums.

Did you face challenges obtaining insurance in the past? Guaranteed Insurance is on your side when your options are limited. Get the coverage you deserve now.

Qualifying for non-medical insurance while recovering from an illness depends on several factors, including the type and severity of your medical condition.

Although most traditional life insurance policies, which involve medical exams, typically decline applicants with serious health issues, there remains an opportunity to secure life insurance without undergoing a medical test.

This holds true even if you have had conditions such as cancer, diabetes, hepatitis, neurological problems, lung problems, mental illness (such as depression), heart problems, a medical history of stroke, or kidney failure, as long as you have not been diagnosed with a terminal illness and have a life expectancy of 12 months or less.

At Guaranteed Insurance, we are committed to helping you find coverage, even if you have health issues.

Understanding the basics of Excelsior and its many advantages is the first step in making sure your loved ones are financially secure.

This type of coverage provides peace of mind and offers a straightforward application process and immediate coverage up to $50,000—all without the complexities of medical exams or intrusive health questions.

Curious for more details about Excelsior, our Guaranteed life insurance? Our dedicated team is here to guide you through the intricacies, allowing you to focus on life with fewer worries. Let us assist you in shaping a financially secure future for your loved ones.

Take the First Step Towards Providing Your Loved Ones with Financial Relief Today!