Living with diabetes shouldn’t prevent you from protecting your family’s financial future. With the Excelsior Guaranteed Life Insurance Plan, Canadians living with diabetes can qualify for dependable coverage — without medical exams, blood tests, or complicated underwriting.
If you’ve been declined before or told your premiums would be too high, this plan was designed to give you another option for life insurance in Canada.
Traditional life insurance policies often require detailed medical exams, lab work, and strict underwriting guidelines
— which can make approval difficult for people managing diabetes.
Our plan works differently:
This makes it an ideal option for Canadians searching for:
You can review full details on our Eligibility page.
Our coverage is designed to be clear and easy to understand — especially important when managing a long-term condition like diabetes.
This coverage focuses on peace of mind — not your A1C levels or past medical history.
No. This plan does not require medical exams, bloodwork, or diabetes testing.
Approval is based on meeting basic eligibility requirements — not on whether you have Type 1 or Type 2 diabetes.
You must be a Canadian citizen or permanent resident (for at least 6 months), age 18–80, and able to answer “No” to: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?” See complete requirements on our Eligibility page.
Yes. Once approved, your premiums remain fixed, and your coverage stays in force for life as long as payments are maintained.
