No Medical Exam Life Insurance in Quebec
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
Life insurance with no health questionnaire (guaranteed issue) or with just a few questions (simplified issue): no blood test, no lab work. Fast approval up to $750,000. Compare the best companies in 2 minutes.
- No blood test or physical exam
- Fast approval — sometimes within minutes
- Up to $750,000 of coverage
- Options even with health conditions
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Two ways to get insured without a medical exam
Depending on your health and the amount you want, your advisor steers you to the best option.
Simplified issue insurance
A few health questions, no physical tests. Offers the highest amounts (up to $750,000) and the best rates for people in good health.
- ✓ Up to $750,000
- ✓ No blood test
- ✓ Fast approval
Guaranteed issue
No health questions, guaranteed acceptance. Ideal for people aged 50 and over who want to cover their final expenses, even with significant health conditions.
- ✓ Guaranteed acceptance
- ✓ No health questions
- ✓ No refusal possible
How much does no-medical-exam life insurance cost in 2026?
Real monthly premiums for simplified issue coverage (a few health questions, no blood test), surveyed from the insurers we compare, up to $750,000 of coverage.
Sample rates: 20-year term life insurance, no medical exam (simplified issue)
For a non-smoking woman
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $50,000 | $8.78 | $10.26 | $13.50 | $28.31 | $80.87 |
| $100,000 | $9.75 | $11.00 | $17.17 | $43.56 | $156.33 |
| $250,000 | $14.18 | $15.53 | $30.60 | $86.63 | $253.35 |
| $500,000 | $26.55 | $31.50 | $67.95 | $189.45 | $760.05 |
| $750,000 | $39.83 | $44.55 | $99.23 | — | — |
For a non-smoking man
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $50,000 | $9.90 | $10.80 | $16.52 | $38.34 | $118.98 |
| $100,000 | $11.00 | $12.83 | $23.00 | $60.93 | $232.56 |
| $250,000 | $18.45 | $19.80 | $42.75 | $127.13 | $379.13 |
| $500,000 | $36.45 | $40.50 | $93.60 | $276.30 | $1,141.20 |
| $750,000 | $51.98 | $58.05 | $139.05 | — | — |
* Lowest monthly premium among the 6 insurers surveyed through WinQuote on October 30, 2026, for a non-smoker under simplified issue (a few health questions, no exam) living in Quebec. For guidance only: your rate depends on your health, your habits and the insurer chosen. Get your actual rate.
Sample rates: Permanent life insurance, no medical exam (simplified issue)
For a non-smoking woman
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $25,000 | $17.96 | $23.06 | $33.62 | $48.87 | $83.72 |
| $50,000 | $30.51 | $40.73 | $60.39 | $92.34 | $162.05 |
| $100,000 | $53.01 | $75.78 | $115.38 | $179.28 | $318.69 |
| $250,000 | $130.95 | $182.03 | $287.55 | $440.10 | $788.63 |
| $500,000 | $256.50 | $358.65 | $569.70 | $874.80 | $1,571.85 |
For a non-smoking man
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $25,000 | $19.85 | $25.18 | $37.24 | $54.50 | $100.35 |
| $50,000 | $33.48 | $44.96 | $68.54 | $103.59 | $194.80 |
| $100,000 | $61.02 | $84.51 | $131.67 | $201.78 | $397.89 |
| $250,000 | $149.85 | $203.18 | $323.78 | $496.35 | $986.85 |
| $500,000 | $294.30 | $400.95 | $642.15 | $987.30 | $1,968.30 |
* Lowest monthly premium among the 6 insurers surveyed through WinQuote on October 30, 2026, for a non-smoker under simplified issue (a few health questions, no exam) living in Quebec. For guidance only: your rate depends on your health, your habits and the insurer chosen. Get your actual rate.
Why choose life insurance with no medical exam?
Fast
No exam to schedule, no results to wait for. You are covered much sooner than with a traditional policy.
Hassle-free
No blood test, no urine sample, no nurse visiting your home. Everything is done remotely.
Accessible
Solutions exist even if you have been turned down in the past or live with a health condition.
How does it work?
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The team behind the service
A small team that serves clients everywhere in Quebec. The person who calls you back works here.
Services financiers Finox inc.: an independent firm
A Quebec financial services firm registered with the Autorité des marchés financiers, based in Mascouche, independent from the insurers. 268 Google reviews, rated 5.0. Your information is used only to prepare your quotes; one person from our team calls you back.
Dany MichaudPartnerAMF no. 243405
Evan Juteau LapierrePartner and senior brokerAMF no. 260856
Étienne LejeuneSenior brokerAMF no. 250008
Alexandre ClémentAssociate advisorAMF no. 250201
Mathis Aubin SavardAdvisorAMF no. 277477
Cédric SénéchalDirector of strategic development and marketing
Kim CôtéProperty and casualty insurance
Zavier BinetteIntern
Émie BélangerAdvisor assistant
Jessica Archambault-LeonaSocial media manager
Questions about no-medical-exam life insurance
It is life insurance that requires no blood test, no physical exam and no urine sample. Approval is based on a few health questions (simplified issue) or, in some cases, no questions at all (guaranteed issue). It is ideal if you want coverage quickly, without seeing a nurse or a doctor.
Depending on the company and your profile, you can generally get $25,000 to $750,000 of coverage without a medical exam. The highest amounts sometimes call for a few health questions, but never a physical test. Your advisor compares the companies to maximize the amount you are approved for.
No-exam insurance can cost a little more than a traditional policy with an exam, because the insurer takes on additional risk. But the gap is often modest, and by comparing several companies you frequently find a very competitive rate — especially for a healthy non-smoker.
It is ideal for people in a hurry who want coverage quickly, those who dislike blood tests, people with a busy schedule, or anyone who has been turned down in the past. It is also an excellent option for people aged 50 and over who want to cover their final expenses.
That is the great strength of this product: approval is much faster. With no exam to schedule and no results to wait for, many policies are approved within days — sometimes within minutes for certain online products.
With simplified issue insurance, a few health questions can lead to a refusal. But there is also guaranteed issue insurance, with no health questions at all, where acceptance is guaranteed. An advisor steers you to the right product for your situation to avoid needless refusals.
No-medical-exam life insurance in Quebec: the complete guide
No-medical-exam life insurance is growing in popularity across Quebec, and for good reason: it removes the most demanding step of the traditional insurance process. No more scheduling a blood test, having a nurse come to your home or waiting for lab results. You answer a few questions and, in many cases, you are covered within days.
Who is this type of insurance for?
This product is particularly well suited to people who want coverage quickly, those with a busy schedule, those who dread needles, and people aged 50 and over who want to cover their funeral expenses. It is also a valuable way in for anyone who has already been refused because of their health.
How much does no-exam life insurance cost in Quebec?
The cost depends on your age, whether you smoke, the coverage amount and the type of product (simplified or guaranteed issue). Because the insurer takes on slightly more risk without an exam, the premium may be a little higher than for a policy with an exam. That is exactly why it pays to compare several companies: the rate gap between them can be substantial for identical coverage.
The tables “How much does no-medical-exam life insurance cost in 2026?” higher up on this page give the real premiums surveyed from the insurers we compare, for simplified issue coverage, by age and coverage amount.
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