Ontario · Relationships for life — across generations.
No-medical life insurance in Ontario
If a full medical is a problem — health history, time, or you were declined elsewhere — no-medical is a separate system. On this site that is Canada Protection Plan, three rungs, no exam.
Three rungs, not one product
Preferred is the strongest no-exam rung we show. Simplified Elite is next. Deferred Elite is for harder-to-insure files and pays out on a delay if death is from natural causes in the first years. We show the rung you land on. We do not mix this with medically underwritten term.
It costs more. That is the point.
You skip the exam, so the insurer takes more risk. The premium is higher than a standard term file. If you can pass a medical, start with the term quote. If you cannot, this is the honest alternative — not a miracle cheap policy.
After you see a rate
Habib’s broker will call — usually Habib — to confirm which rung you actually qualify for. The table is a sample. Placement is a conversation.
See no-medical rates
Habib’s broker will call within one business hour — usually Habib. Or dial (647) 512-7271 now.