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Simplified Application
Certain insurance products offer a streamlined application with health questions instead of extensive traditional underwriting.
Life Insurance Options for Hard-to-Insure Canadians
Hard to Insure Insurance
Ideal for people with past medical conditions looking for a hassle-free process with no medical exam or blood tests.
Explore insurance solutions designed for people who may have difficulty qualifying for traditional life insurance.
Coverage and eligibility are subject to insurer underwriting rules, policy terms, age limits and individual circumstances.
✓ Simplified Process
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🛡 Protection for Your Family
🩺 No Exam Options
Simplified application
🩸 No Blood Tests
On qualifying products
❤️ Medical History
Options may be available
🇨🇦 Canadian Coverage
Insurance solutions for Canadians
More Options
A Medical History Does Not Always Mean You Cannot Get Coverage
Traditional life insurance underwriting can make it difficult for people with certain medical histories to obtain coverage. Simplified and alternative insurance products may provide another path.
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No Medical Exam Options
Eligible applicants may be able to apply without scheduling a traditional medical examination.
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Faster Application Process
Simplified underwriting may make the application process quicker and easier than fully medically underwritten coverage.
Past Medical Conditions
Insurance Options for People With Medical Histories
Qualify for coverage with past medical conditions like Cancer, Heart Disease, Stroke, Diabetes and many more.
Eligibility depends on factors including your age, medical history, diagnosis, treatment history, medications, lifestyle and the insurer's underwriting guidelines.
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Cancer
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Heart Disease
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Stroke
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Diabetes
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Many More
Coverage Amounts
Qualify for Coverage Up To:
$750,000
Ages 18 to 50
Ages 18 to 50
$500,000
Ages 51 to 75
Ages 51 to 75
$250,000
Ages 76 to 80
Ages 76 to 80
Maximum coverage amounts are not guaranteed. Available coverage varies according to the insurer, product, age, health history and underwriting decision.
CHECK YOUR OPTIONS
Why Life Insurance?
Help Protect the People Who Depend on You
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Mortgage & Debt Protection
Life insurance proceeds can help surviving family members manage mortgage payments, loans and other financial obligations.
👨👩👧
Family Income Protection
Coverage can provide financial support to your beneficiaries if you are no longer there to provide income.
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Final Expenses
Insurance proceeds may help cover funeral costs, final expenses and other financial responsibilities.
Simple Process
How It Works
Getting started can be straightforward.
1
Request a Quote
Tell us some basic information about yourself and the coverage you are interested in.
2
Review Your Options
Available insurance products can be compared based on eligibility, coverage, cost and policy features.
3
Apply for Coverage
Complete the insurer's application and required health questions. The insurer determines final eligibility.
About Us
Helping Canadians Find Insurance Options
Hard to Insure Insurance is focused on helping consumers explore life insurance options when traditional coverage may be difficult to obtain.
Having a medical history does not necessarily mean that every insurer will decline your application. Different insurers use different underwriting guidelines, and simplified insurance products may provide additional possibilities.
We Help You Explore Options For:
- Past or current medical conditions
- Previous cancer diagnosis
- Heart disease history
- Previous stroke
- Diabetes
- Older applicants
- Applicants previously declined for insurance
- People seeking simplified underwriting
Frequently Asked Questions
Hard to Insure Life Insurance FAQ
Can I get life insurance if I have cancer or had cancer in the past?
Potentially. Availability depends on factors such as the type of cancer, date of diagnosis, treatment, current status and insurer underwriting requirements. Different insurance products can have different eligibility standards.
Can someone with heart disease obtain life insurance?
Coverage may be available depending on the specific condition, treatment, severity and insurer. Simplified insurance products can sometimes provide options where traditional underwriting is more difficult.
Can diabetics qualify for life insurance?
Many people with diabetes can qualify for some form of life insurance. Eligibility and pricing depend on factors including diabetes type, control, treatment, complications, age and overall health.
Will I need a medical exam or blood tests?
Some simplified or non-medical insurance products do not require a traditional medical examination or blood tests. Applicants may still need to answer health and eligibility questions.
What if I was previously declined for life insurance?
A previous decline does not automatically mean no other options exist. Eligibility varies by insurer and product, so alternative or simplified insurance may still be worth exploring.
Is approval guaranteed?
No. Unless a specific product expressly provides guaranteed acceptance subject to its eligibility rules, approval is not guaranteed. Final decisions are made by the insurer.
Contact Us
Find Out What Coverage May Be Available
Complete the form to request information about insurance options that may suit your circumstances.
- No-obligation inquiry
- Explore coverage options
- Compare available solutions
- Ask questions about eligibility
Request Your Quote
Think You're Hard to Insure?
You may have more options than you think. Explore coverage designed for applicants with medical histories and other circumstances that can make traditional insurance difficult to obtain.
GET QUOTE NOWPrivacy Policy
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Informational Purpose
Information provided on this website is for general informational purposes and should not be considered a guarantee of insurance availability, pricing, approval or coverage.
Insurance Eligibility
Insurance products are subject to insurer availability, underwriting requirements, eligibility criteria, policy terms, exclusions, limitations and provincial regulations.
No Guarantee of Approval
Submission of a quote request does not constitute an application for insurance and does not guarantee approval. Final coverage decisions are made by the applicable insurer.
Coverage Amounts
References to maximum potential coverage amounts represent possible limits for qualifying applicants and do not mean that every applicant will qualify for those amounts.
Accuracy of Information
We attempt to keep website information accurate and current, but insurance products, eligibility standards and coverage limits may change without notice.
Professional Advice
Consumers should review the actual insurance contract and discuss their personal circumstances with an appropriately licensed insurance professional before purchasing coverage.