Non medical life insurance
You Don’t Always Need a Medical Exam to Get Life Insurance — and Many People Don’t Know This
When most people think about life insurance, they picture long applications, needles, blood work, and medical exams. The truth is, you don’t always need a medical exam to get life insurance — and for many Canadians, that can be a game changer.
At Bathurst Life Insurance, we help families across New Brunswick and beyond find coverage that fits their needs — including no-medical and simplified issue life insurance options.
What Is No-Medical Life Insurance?
No-medical life insurance (sometimes called simplified issue or non-medical insurance) allows you to apply for coverage without a physical exam or lab tests.
Instead of blood work or doctor visits, approval is typically based on:
A short health questionnaire
Your age
Your lifestyle and coverage amount
In many cases, approval can happen within days — sometimes even the same day.
Who Is No-Medical Life Insurance For?
This type of insurance can be an excellent option if you:
Want coverage quickly
Have had health issues in the past
Don’t like medical exams or needles
Were declined for traditional life insurance before
Are self-employed or have a busy schedule
Need coverage for final expenses, mortgage protection, or family security
Many Canadians assume life insurance isn’t available to them — when in reality, they simply weren’t shown the right options.
Is No-Medical Life Insurance More Expensive?
In some cases, no-medical policies may cost slightly more than traditional plans. However, for many families, the speed, simplicity, and accessibility far outweigh the difference.
And here’s the part most people don’t realize:
👉 No-medical insurance is often far more affordable than expected — sometimes costing less than a coffee a day.
How Much Coverage Can You Get?
Coverage amounts vary depending on the insurer and your situation, but many no-medical plans offer:
$25,000 to $500,000 (and sometimes more)
Term or permanent options
Coverage for final expenses, income replacement, or family protection
At Bathurst Life Insurance, we compare multiple Canadian insurers to find the best option for your budget and needs.
Why Work With Bathurst Life Insurance?
We’re a local, independent brokerage — which means:
We work for you, not one insurance company
We explain your options in plain language
We help clients who’ve been declined elsewhere
We guide you from application to approval
Most importantly, we treat you like a person — not a policy number.
Final Thoughts
Life insurance doesn’t have to be complicated or intimidating.
If you’ve been putting it off because you thought a medical exam was required, it may be time to look again. You could qualify for coverage faster and easier than you think.
Ready to See Your Options?
📍 Serving New Brunswick & Nova Scotia
📞 Call us: 506‑546‑2186
🌐 Visit: Bathurst Life Insurance
No obligation. No pressure. Just clear answers.
