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Simplified Issue Life Insurance

If your insurance history or your state of health has ever been a concern, you might find it difficult to get insurance coverage. Indeed, some health issues can rate you highly, or deny you access to coverage through traditional means.

That's why we offer Simplified Issue life insurance products. With simplified issue, you just have to answer a few medical questions to get coverage, and you can be assured your health concerns won't affect your premium payments.

How much coverage can I get?

Simplified Issue Life Insurance products generally offer coverage between $5,000 and $100,000, with a few products offering up to $300,000.

Who is eligible?

Any Canadian ages 18 to 85 can qualify for Simplified Life Insurance. All you need to qualify is to answer a few "Yes or No" health questions. There is no medical exam or doctor's visit required.

Key Benefits:
  • Plan for final expenses and estate taxes.

  • An excellent plan for individuals with health problems.

  • Some policies let you get coverage even if you've been denied insurance before.

  • Quick issuing, get covered in days instead of weeks.

Expert Answers about Simplified Issue Life Insurance
How do I know if I am approved with the medical questions that are askedWhen you apply for a simplified issue plan, all questions used to qualify you are asked on the application directly. If you answer "No" to any of the health questions, you will not qualify for that particular insurance product and thus you will not be submitting that application. This ensures you are not declined under an application, which can harm future attempts at buying insurance.

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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