What Is No Medical Exam Life Insurance? 
There are different `` types '' of no medical exam life insurance . Some companies offer insurance up to a certain amount by asking a few medical questions and if you answer those satisfactorily the coverage is issued . With some if the questions are not answered satisfactorily that is the end of the process , others may request more information including a medical . This type of coverage could cost more than similar coverage that is fully underwritten . Some companies offer `` guaranteed issue '' policies where there is no medical requested and only a few questions asked . In Canada , these types of policies have may restricted or graded benefits . For example pay for accident only and a refund of refunds for other causes of death for the first 2 years . FInally , depending on your age , health and the amount of coverage you may be able to qualify for `` regular '' insurance without a medical . An independent insurance broker , who deals with several companies , would be able to help you get the right policy at the right price . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 