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



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