No Medical & Simplified Issue
Life Insurance

Most plans available with no needles, doctor reports or medical exams

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See how we can help you with your life insurance needs.

With Canada Protection Plan, you can get the life insurance coverage you need in as little as just a few days. Offering you a large selection of No Medical Life Insurance plans to choose from, with high coverage amounts at very competitive rates. Our many options can provide the coverage you want, whether you have very serious medical conditions, or are in good health.

Why should you consider No Medical or Simplified Issue Life Insurance?

  • You’re a Canadian citizen, permanent resident or have a valid work or study permit
  • You have some health problems
  • You’re hard to insure
  • You have a dangerous job or participate in hazardous or extreme sports
  • You don’t like needles or medical exams
  • You just want your coverage fast

Which is best suited for you?

Canada Protection Plan’s No Medical & Simplified Issue Permanent Life Insurance (Whole Life Insurance) provides lifetime protection. This type of coverage is ideal for permanent needs such as final expenses. Canada Protection Plan has more Permanent Insurance options than any other No Medical provider in Canada. Our variety of plans has been designed to make it easier for everyone, including the hard-to-insure, to get the greatest coverage at the lowest price in the least time possible.

Why choose Canada Protection Plan for
Permanent No Medical & Simplified Issue Life Insurance

  • Most of our plans offer full protection from day one.
  • Our plans include more free benefits than other life insurance providers.
  • Four of the plans are available as T100, our lowest cost permanent plans.
  • We take great pride in providing superior customer service from the day you apply until the day the claim is paid.
  • Canada Protection Plan is Canadian owned and serviced by Canadians.

Guaranteed Acceptance Life

Designed for the most challenging applicants; if you have a very serious medical condition or if you have been told you don’t qualify for insurance, Guaranteed Acceptance Life may be the plan for you.

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Deferred Life

Designed for the hard-to-insure applicant; if you have a serious health condition, or were previously refused insurance, Deferred Life is the right plan for you

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Deferred Elite Life

Designed for the hard-to-insure applicant; if you have a less serious health condition, or were previously refused insurance, you may be eligible for Deferred Elite Life.

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Simplified Elite Life

Designed for someone in relatively good health, or engages in extreme sports, and doesn’t want to take a medical exam or provide a doctor’s report. Full protection starts with this plan as soon as your policy is issued.

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Preferred Life

Designed for healthy people who want coverage quickly. This plan has great rates, with coverage up to $1,000,000 starting as soon as you are approved.

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Preferred Elite Life

Designed for applicants in very good health who want coverage faster than through traditional underwriting. This plan has our best rates for permanent plans, with coverage up to $1,000,000 starting as soon as you are approved.

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Canada Protection Plan’s No Medical & Simplified Issue Term Life Insurance provides life insurance protection for periods of 10, 20, 25, or 30 years. This type of coverage is ideal for situations when you know how long you require the coverage, such as for your mortgage or a child’s education. Canada Protection Plan has more Term Insurance options than any other No Medical & Simplified Issue provider in Canada. Our variety of plans makes it easier for everyone, including the hard-to-insure, to get the greatest coverage at the lowest price in the least time possible.

Why choose Canada Protection Plan for
No Medical & Simplified Issue Term Life Insurance

  • Most of our plans offer full protection from day one.
  • We offer both level and decreasing term plans.
  • All level term plans are renewable and provide coverage to age 80.
  • If you feel you need coverage beyond age 80, all level term plans are convertible to a permanent plan until age 70 regardless of your health at the time of conversion.
  • Our plans include more free benefits than other life insurance providers.
  • The level plans are available in 10, 20, 25 and 30 year term period versions. The premiums on these plans remain level for the selected term period and then are renewable for additional term periods. The plans are guaranteed to be renewable regardless of your health.
  • The 25 year decreasing term plan can be an ideal way of protecting your family for your outstanding mortgage amount. Coverage lasts for 25 years.
  • We take great pride in providing superior customer service from the day you apply until the day the claim is paid.
  • Canada Protection Plan is Canadian owned and serviced by Canadians.

Deferred Elite Term Life Insurance

Designed for the hard-to-insure applicant; if you have a less serious health condition, or were previously refused insurance, Deferred Term is the right plan for you.

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Simplified Elite Term Life Insurance

Designed for someone in relatively good health, or engages in extreme sports, and doesn’t want to take a medical exam or provide a doctor’s report. Full protection starts with this plan as soon as your policy is issued.

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Preferred Term Life Insurance

Designed for healthy people who want coverage quickly. This plan has great rates, with coverage up to $1,000,000 starting as soon as you are approved.

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Express Elite Term Insurance

Designed for those in excellent health. This plan has a shorter application and our lowest rates for No Medical coverage for up to $500,000.

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Preferred Elite Term Life Insurance

Designed for applicants in very good health who want coverage faster than through traditional underwriting. This plan has our best rates, with coverage up to $1,000,000 starting as soon as you are approved.

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