Insurance Solutions without Medicals

Income Replacement Insurance for Injury

• If you have a pre-existing medical condition, you are still eligible for injury/accident benefits
• Injury includes “wear and tear”; tendonitis, carpal tunnel syndrome and more conditions not caused by an accident.
• Accidental injuries included

Business Overhead Insurance for Injury

• Based on fixed expenses of business; can include administration staff

Accidental Death and Dismemberment Insurance

• No questions.
• Issue ages 18 – 64
• $50,000 - $300,000; includes paralysis benefit when added to Income Replacement policy

Critical Illness Insurance

• Up to $25,000; regardless of pre-existing medical conditions.
• Issue ages 18 – 64
• Add up to $100,000 in $25K increments with health questions

Final Expense

• Up to $25,000 Life Insurance regardless of current medical conditions
• Issue ages 18 – 85
• 2 year waiting for natural causes
• 4 times face amount for accidental death

Fracture Accident Benefit

• Lump sum payment for scheduled fractures
• Issue ages 18 – 64
• No income/job requirements
• Pays in addition to any other benefit

Employee Group Health and Dental Insurance

• Guaranteed issue for companies with 3+ employees
• If one employee doesn’t qualify, the group is still eligible
• All employees can be family members

Emergency Travel Medical Insurance

• Annual policy for travel outside applicant’s province of residence
• No pre-exiting clause if added to income replacement
• Special coverage for the trucking industry

Medical Underwriting

Disability Insurance

• Options to purchase the best product suited specifically to the individual’s profession or occupation. Select from most Canadian insurance providers

Income Replacement for illness and Business Overhead

• For applicants below age 51
• Non-invasive medical examination. Amounts $3000 to $6000
• Client’s own physician statement
• Generous height/weight limits
• Medical declaration on application to $3000

Life Insurance

• Depends on age, amount of insurance applied for and declared history on application, medical requirements may be waived
• Many pre-existing conditions are accepted
• Marijuana is no longer included as “smoker”

Individual Health and Dental Insurance

• Individual coverage available – single, couple or family
• Current medications can result in decline to offer coverage

Guarantee Your Income

in the event of an injury that prevents you from working.

No medicals required. Immediate Issue. Get a quote today! 

Other Products and Services

On site seminars for employees

• Enrolment meetings to introduce and explain Employee Benefits programs instituted by the employer

Health Care Spending Accounts

• Incorporated companies use corporate dollars for personal Health Care expenses

Employee Group Plan

• Guaranteed issue for groups of 3+ employees. Special feature – all 3 can be family members

RRSPs and Employee Group RSPs

• Build retirement income through conservative investments

Segregated Fund Investments

• Investments in products that include guarantees for capital and life insurance. Sold only by Life Insurance companies

Long Term Care Insurance

• Pay for accommodations when age or infirmity creates the need

Estate Planning Consultation

• Referrals to financial advisors, specialized in trusts, legacy, business or personal