No medical
Term 100
life insurance

Simple, hassle-free application
Instant eligibility
Budget-friendly coverage

Get a Free Personalized Quote

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By clicking Get My Quote, you authorize us to collect, use and disclose your personal information and the personal information of any person who may be insured under your insurance contract in accordance with privacy regulations and our Privacy Policy, which you can consult before you consent. By clicking Get My Quote you also authorize Specialty Life, its service providers, and/or affiliates to contact you at the number provided via phone, email and/or text (SMS) using automated dialling technology for marketing purposes. Not a condition for purchase. Message and data rates may apply. To opt-out at any time reply “STOP” or contact us. For more information please ready our Terms and Conditions.

What is no medical
Term 100 life insurance?

No Medical Term 100 Life Insurance is one of the most affordable options for permanent life insurance in Canada. This type of coverage does not include an investment component and requires no medical exams, making it a simple and accessible solution for lifelong protection.

It provides stable, long-term life insurance coverage without the complexity of traditional underwriting. This makes No Medical Term 100 an ideal choice for seniors and individuals with pre-existing health conditions who may have been declined for standard life insurance policies elsewhere.

Key benefits of our plans

No denials for health issues

Our no medical life insurance plans are built for Canadians who want fast, affordable coverage — especially those who may struggle to qualify elsewhere because of current or past health conditions.

Guaranteed rates

Your premiums are guaranteed to stay level for the entire policy term, giving you long-term stability and complete peace of mind.

No medical exam required

Enjoy a simple, stress-free process with no nurse visits, no lab tests, no bloodwork, and no needles. Skip the delays and get coverage without the hassle of traditional medical underwriting.

Get coverage in days — not weeks

With no medicals and no paperwork, your application is processed immediately. Most applicants receive instant approval, allowing you to secure protection quickly and easily.

With a Term 100 plan, you get:

Fixed premiums for life — your monthly cost never increases.
Coverage that never expires — protection stays active as long as your policy is in force.
A guaranteed, tax-free benefit paid directly to your chosen beneficiaries.
Financial support for your loved ones to help cover funeral costs, outstanding debts, and other final expenses.

No Medical Term 100 plan is ideal for Canadians seeking reliable, permanent coverage that’s fast and easy to qualify for.

What Our Clients Say

Getting coverage is as easy as 1-2-3-4

Complete a quick, 30-second quote request.

A friendly advisor will contact you with a personalized quote. They may ask a few health questions to ensure you receive the best possible rate.

If you’re happy with the quote and the plan details, your application is finalized right over the phone.

Receive your policy within 24 hours — you’re covered and stress-free!

Got Questions?

Get answers from a licensed advisor to your most common life insurance questions.

See Our Frequently Asked Question

No medical Term 100 life insurance