Guaranteed Issue Critical illness insurance

Guaranteed Issue Critical illness insurance. Receive a lump sum payment if you're diagnosed with a serious illness

Benefits available - Minimum $5,000, maximum $50,000.

Age limit upon purchase - Available to persons ages 18 to 55 inclusively.

Contract type - Term of 10 or 20 years depending on the option chosen by the policyholder.

Renewal - Coverage for up to 65 years of age.

Premium - This policy comes with premiums that change every 10 or 20 years, depending on the option selected by the policyholder. The premium is guaranteed for the selected period. At the end of the 10- or 20-year period, depending on the option selected, the premium will be adjusted to reflect the insured’s age, the insured’s original risk class and the premium rates applicable at that date. The new premium will also be guaranteed for another 10 to 20 years.

Illnesses covered • Stroke (cerebrovascular accident) • Cancer • Heart surgery (coronary artery bypass) • Heart attack (myocardial infarction) Please refer to the specimen policy document on critical illness insurance for the specific payable conditions.

Survival period - 30 days

Moratorium period for cancer - 90 days

Refund of premiums upon death - Yes

Get Quote
woman wearing yellow long-sleeved dress under white clouds and blue sky during daytime

I was amazed at how easy it was to get insured without any medical questions.

John D.

A smartphone with a severely cracked screen displays the word 'INSURANCE' on its screen. The device is black and appears to be placed on a white surface.
A smartphone with a severely cracked screen displays the word 'INSURANCE' on its screen. The device is black and appears to be placed on a white surface.

Guaranteed acceptance made my insurance process smooth and stress-free, even with my health issues.

Sarah L.

Two women, both wearing headscarves and face masks, are engaged in a discussion at an outdoor registration table. One woman is standing and appears to be overseeing, while the other is seated and writing on a document. In the background, several people are queued up near a green and yellow building with a domed roof, likely a mosque. A banner advertising free medical treatment is visible.
Two women, both wearing headscarves and face masks, are engaged in a discussion at an outdoor registration table. One woman is standing and appears to be overseeing, while the other is seated and writing on a document. In the background, several people are queued up near a green and yellow building with a domed roof, likely a mosque. A banner advertising free medical treatment is visible.
★★★★★
★★★★★

Frequently Asked Questions

What is guaranteed issue insurance?

Guaranteed issue insurance means no medical questions are asked, ensuring everyone qualifies regardless of health conditions.

Who can apply for this insurance?

Anyone can apply, even those with existing health conditions, as there are no medical questions involved.

Is there an age limit?

There is typically no age limit; however, specific policies may have age restrictions, so check the details.

What are the benefits?

The main benefit is guaranteed acceptance, providing peace of mind regardless of your health status.

How do I apply?

You can apply easily online through our website without any medical evaluations.

Can I change my coverage later?

Yes, you can adjust your coverage as needed, but terms may vary by policy. Always review your options.

Insurance

Guaranteed acceptance, no medical questions asked.

Coverage

Support

rbfinancial@sympatico.ca

(905) 542-7714

© 2025. All rights reserved.