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Non-Medical Insurance

 

Non-Medical Insurance

If a person is hard to insure, there are life insurance plans specifically designed for no medical underwriting for a lower face value. The premium may be slightly higher than a brokered insurance plan designed for healthy people.

You will only have to answer the typical questions in the policy application. These plans work best for people who:

  • Have previously been turned down by insurers
  • Are hard to insure
  • Have been long-term smokers
  • Are overweight
  • Refuse to take a medical exam

Before you purchase this plan, we can advise you of your options based on your health history, or if there are past failed applications. By searching the market, we will find the most suitable plan for your situation. You may be able to be underwritten by certain underwriters who accept more risk.

We will assess both a regular and/or non-medical life insurance plans and may advise submitting both types of applications. Both traditional and non medical insurance plan benefits are 100% tax-free in Canada when paid to beneficiaries.

 

 

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Les Voros is dual licensed for the sale of insurance products. As such, you may be dealing with more than one company depending on the products or services provided.

Les Voros Financial is registered to do business in the province of British Columbia only. Any business transacted between yourself and Les Voros Financial must take place at a location within this province.

The use of this website is subject to the following terms and conditions and constitutes the user’s agreement to those terms and conditions. Information on this website is provided solely for the user’s information and while thought to be accurate it is provided without warranty of any kind, either express or implied. Les Voros Financial will not be liable for any damages, direct or indirect, arising from use of the information provided on this website.

 

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