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Humania Assurance

Humania Assurance

Humania Assurance, formerly LS Mutual Insurance, has its roots in the L’Union Saint-Joseph de Saint-Hyacinthe fraternal society. Today, Humania continues its fraternal tradition by targeting niche consumers in the insurance industry. In particular, Humania has a very strong selection of products in the No Medical market.



We offer the following products from Humania Assurance:

Permanent Life Insurance

Humania Insurance Without Medical Exam Life Insurance

No medical exams are required to be eligible for coverage. The plan has immediate coverage with additional disability and critical illness protection and a benefit amount of up to $300,000.

Term Life Insurance

Humania Term Life Insurance

Available in 10, 15, 20, 25, 30-year terms as well as coverage up to age 80. Coverage amounts range from $50,000 to $2,000,000.

Humania HuGO Life Insurance

A dynamic plan that offers three ways to be issued: Instant issue, personalized questionnaire instant issue, and personalized questionnaire analyzed by Humania’s underwriting team. Available in 10, 15, 20, 25, 30-year terms as well as coverage up to age 80. Coverage up to $5,000,000.

Living Benefits

Humania Insurance Without a Medical Exam Debt Insurance

Disability coverage with no medical exams and benefits up to $2,500 a month. You can opt for a 10 or 20-year term insurance with the option to renew until you reach age 65.

Humania Insurance Without a Medical Exam Income Insurance

Disability coverage with no medical exams and benefits up to $2,500 a month.

Humania PAIRE Disability Insurance

A customizable disability plan with benefit periods of 2 years, 5 years or until age 65. Guaranteed monthly benefit of up to $1,200 during the first 36 months.

Humania 5575 Critical Illness Insurance

This plan provides coverage for minor and major cancers. Available to Canadians 55 – 75 with coverage amounts of $5,000 to $75,000 for major cancers and 15% the insurance amount for minor cancers.

Humania Insurance Without a Medical Exam Critical Illness Insurance

Critical illness coverage available in 10 or 20-year terms. Coverage amounts range from $5,000 to $100,000. No medical exams are required to apply.

Humania Term Critical Illness Insurance

Available in 10, 15, 20, 25, and 30-year terms or until age 75. Coverage up to $1,000,000 for up to 25 critical illnesses.

We work directly with Humania Assurance and are able to provide all their latest insurance plans. Apply online for a no obligation quote.

3 Reasons to Choose LIFC:

  • We work directly with over 20 leading Canadian insurance providers

  • We are able to find the lowest premiums on the market

  • We offer a complete range of plans to suit any need and budget

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