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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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DISCLOSURE

This website addresses many areas which are essential when considering one's overall financial picture. Networth Financial Corp. (NFC) is pleased to provide you with opportunities to invest in various Mutual Funds approved for BC, AB, MB & ON investors.

NFC is responsible only for business licensed under the Provincial Securities Act & Regulations. It does not supervise or review any other business. Our representatives conduct other business licensed under the Financial Institutions Act, which is the responsibility of another licensed entity, & not the responsibility of NFC.

The articles and information provided on this website are intended to raise issues and help you find solutions with appropriate professionals and should not be construed as advice for any specific situation or individual. Always consult your representative and your tax or legal professional if applicable before taking personal action


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