Having a pre-existing condition shouldn’t stop you from protecting your loved ones. With our Guaranteed Life Insurance plan, Canadians living with diabetes, heart conditions, a history of cancer, or other medical issues can still qualify for dependable coverage — without medical exams, needles, or long forms. Our straightforward application process helps you secure lasting peace of mind knowing your family’s future is protected, even if you’ve had health challenges in the past.
Traditional life insurance often requires medical exams or detailed health questionnaires that can make approval difficult for people with pre-existing conditions. Our Excelsior Guaranteed Life Insurance plan removes those barriers — making it easier to get the coverage you deserve.
Here’s why Canadians choose us:
Even if you’ve been declined before, you may still qualify with Guaranteed Insurance. See if you meet our eligibility requirements.
Our Excelsior Guaranteed Life Insurance plan helps you protect your family from unexpected financial stress:
Looking to learn more about Excelsior Guaranteed Life Insurance? Visit our FAQs page.
We know applying for life insurance with a pre-existing condition can raise questions. Here are a few quick answers:
No. You won’t need any medical exams or lab tests — approval is based only on basic eligibility.
Yes. Most applicants with pre-existing conditions can qualify for coverage under our Guaranteed Life plan. Learn more about these conditions at the Heart & Stroke Foundation of Canada or Canadian Cancer Society.
You must be a Canadian citizen or permanent resident (for at least 6 months), between 18 and 80 years old, and able to answer "No" to the question: "Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?"
Yes. Once approved, your policy remains active as long as your premiums are paid.
