- Recent immigrants or those who've lived in Canada less than 12 months
- Individuals with a history of declined or postponed insurance applications
- People with chronic health conditions or serious illnesses
- Anyone looking for quick, hassle-free life insurance
What Is Non-Medical Life Insurance?
Non-medical (no-medical) life insurance allows you to secure coverage without a medical exam or invasive health tests. You simply answer a few health and lifestyle questions-making it easier for people with pre-existing conditions or those declined elsewhere to get insured.
- No medical exams or blood tests
- Fast, easy application and approval
- Great for newcomers, older adults, or those with health issues
- Flexible coverage amounts to fit your needs
Non-medical Insurance Free Quote
Who Should Consider Non-Medical Insurance?
How Does Non Medical Life Insurance Work?
Answer a few health and lifestyle questions-no medical exam required
Choose your coverage amount-options available for many needs and budgets
Get a decision quickly-often within days
Enjoy peace of mind knowing you're protected, even if you've been declined elsewhere
What's Asked in the Application?
Typical questions may include:
- Recent residency in Canada
- Past insurance application declines
- Major health conditions (heart, cancer, diabetes, etc.)
- Current investigations, tests, or symptoms
- History of HIV/AIDS or hepatitis
- Substance use or treatment history
- Family history of serious illness
- Height and weight
Your answers help determine eligibility and coverage options. Our advisors will guide you through each step.
Why Choose Punjab Insurance?
Access to Canada's top insurers and competitive quotes
Expert advisors to help you compare options and choose the right coverage
Transparent advice on the pros and cons of each option
FREQUENTLY ASKED QUESTIONS
Frequently Asked Questions about
Non Medical Life Insurance
Can I get coverage if I have health issues?
Yes, many non-medical policies are designed for those with pre-existing conditions or recent declines.
Is the coverage amount limited?
Coverage limits are typically lower than fully underwritten policies, but sufficient for many needs.
How do I get started?
Get a free quote or schedule a call with a licensed Punjab Insurance advisor for personalized help.
GOOGLE REVIEWS
Why Families & Businesses Choose Punjab Insurance
Aisha Malik
Sep 18, 2025
"I purchased a term life insurance plan and was impressed by the professionalism and clarity. The advisor patiently explained all options and helped me choose the right coverage. The process was smooth, and I now feel confident that my family's financial future is well protected."
Emily Carter
July 12, 2025
"Getting my health insurance was quick and hassle-free. The team guided me through multiple plans, explained benefits in detail, and answered all my questions. I felt reassured throughout the process. Their transparency and responsiveness made selecting the right policy."
Owen Mitchelle
Feb 14, 2025
"I recently filed a small claim and was impressed with how efficient and smooth the process was. The staff guided me step by step, and I received the payout promptly. The experience gave me full confidence in their service and made me feel secure about my coverage."
Arjun Patel
Nov 28, 2024
"Choosing a term insurance plan felt overwhelming at first, but the team made it simple and straightforward. They explained exactly what was covered and addressed all my questions. Premiums are affordable, and I now feel confident that my family is financially protected."
Rahul Mehta
Aug 27, 2025
"Overall, I had a positive experience purchasing health insurance. The policies were explained clearly, and I felt no pressure to decide quickly. Some email responses were slightly delayed, but the staff was friendly and helpful. I am satisfied with the coverage."
Meera Kapoor
Mar 22, 2025
"I was looking for reliable health insurance and found the team very supportive. They explained all policy benefits and helped me select the best coverage for my needs. It took a little longer than expected to receive all documents, but the overall process was smooth and reassuring."
Get the life insurance coverage you need without medical exams or lengthy tests. Enjoy a faster, hassle-free application with dependable protection that helps secure your loved ones' financial future with confidence and peace of mind.
Disclaimer: Information on this page is for general guidance only and not a substitute for professional advice. Please consult a licensed Punjab Insurance advisor for personalized recommendations.