You don't have to be in perfect health to be insured
Standard life insurance underwriting relies heavily on your medical history. A diagnosis, a past claim, a medication on the wrong list: any of these can trigger a decline or result in premiums that are unaffordable. Guaranteed non-medical insurance was built for exactly that situation.
Coverage is available up to $500,000 with no medical examination and no health questions. Your acceptance is guaranteed regardless of your current health status.
Conditions covered
These plans are designed to cover people living with ongoing health conditions that would typically disqualify them from standard life insurance. Conditions that qualify include:
- Benign Tumors
- Depression
- Diabetes
- Epilepsy
- Lupus
- Multiple Sclerosis
- Schizophrenia
- Sickle-cell Anemia
- Stroke
…and many more. If you have been declined before, ask Jatinder. The answer may surprise you.
Critical illness coverage also available
Some guaranteed non-medical plans can include a critical illness component, providing a lump-sum benefit if you are diagnosed with a covered condition such as cancer, heart attack, or stroke. Jatinder can walk you through which plans include this option and whether it makes sense for your situation.
Why this type of plan exists
For those who have been declined
If a standard insurer has turned you down, a guaranteed non-medical plan is often the only path to life insurance coverage.
No medical process required
There is no blood work, no doctor's visit, no waiting for an underwriting decision. The application is straightforward and coverage can begin quickly.
Genuine coverage, not a last resort
These plans are offered by reputable Canadian insurers. The death benefit is real, and the coverage is structured to meet genuine needs, not just to collect premiums.
Peace of mind for your family
Your health history does not determine whether your family is protected. These plans exist so that a diagnosis doesn't also mean losing the ability to leave something behind.
Service area
Jatinder Singh and his team serve families across Ontario and Alberta. Policies can be arranged by phone or in person at our Brampton office at 195 Queen St E, Brampton, ON L6W 2B3.