Do you have to fill out a health questionnaire to get life insurance?– Get a quote online

st_title = 'Do I have to complete a health questionnaire to get life insurance?'

Woman wondering if she should fill out a health questionnaire for her life insurance
Since 2001, we have helped hundreds of thousands of Quebecers and Canadians find their insurance products at the best price.

If you want to take out personal life insurance, mortgage life insurance or disability insurance (loan or salary), you should know that you usually have to complete some medical questionnaire.

That being said, there is reason to question: is this desirable? But of course it does!

Why, then? Because the more information you provide about your state of health, the better your chances of the insurance company accepting your claim in case of disability… The better the chances of your beneficiaries, in the event of your death, that the claim will proceed quickly and without a hitch.

This being specified, if you choose to keep certain information to yourself (and … your doctor!), the insurance company must protect itself in view of possible health incidents that could happen to you that she could not have seen coming precisely because of a lack of information. Hence an inevitable bad surprise at the time of a complaint.

Life insurance without medical examination

This product is usually intended for the following type of clientele, with a medical questionnaire with relatively few questions:

  • People who do not wish to undergo a blood test, urinalysis
  • People who want to get their protection quickly
  • People with poor health (cancer, heart disease, multiple sclerosis, advanced diabetes, etc.)
  • People with serious excess weight
  • People who have experienced any refusal by their financial institution
  • People who have been offered insurance with a premium and / or restriction
  • People with a criminal record with serious offenses
  • People with an alcohol or drug problem
  • People in risky jobs
  • People who have recently been forced into bankruptcy
  • People who do not want to expose their personal situation to the light of day

In all these cases, be aware that these insurance products meet specific needs, obviously different needs for each. But the most important thing to know is that you do not have to stuff yourself with the visit (visits?) of a representative, these insurances can easily be taken out online!

There are several types of insurance without medical examination

Some characteristics of insurance products that do not require a medical examination:

  • Certain restrictions apply if the death occurs within the first two years after signing the contract
  • However, there is no restriction if the death occurs after the first two years after signing the contract.
  • There is a refund of premiums (plus interest of 3 or 4%) if the death occurs during the first two years following the signing of the contract
  • Insurance with three medical questions
  • Insurance without medical question
  • Insurance with unrestricted guaranteed acceptance

As you can see, choosing life insurance without a medical exam is not a decision to be taken lightly. Quite the contrary!

Premium comparator for almost two decades (2001), LifeInsurance.ca quote has both the tools AND a formidable team specialized in “risk selection”. Add to this that we have access to an inexhaustible quayside database collected from the vast majority of insurers, and you can be sure that we will direct you to a life insurance tailored to you, for your needs, without delay and at the best possible cost.

If you have any questions, comments or suggestions, do not hesitate to contact us by calling toll free at 1 866 370-7677 (7 a.m. to 8 p.m. Monday to Friday, and 9 a.m. to 3 p.m. Saturdays and Sundays) . Click here to apply for life insurance without a medical exam online.

Our team is here to help!

st_title = 'Do I have to complete a health questionnaire to get life insurance?'