Guaranteed Issue Life insurance

Guaranteed Issue Life insurance. No medical questions asked. You're guaranteed to qualify even if you have existing health conditions.

Benefits offered - Term 10 or 20 years: minimum $5,000, maximum $100,000. Term 100: minimum $5,000, maximum $100,000.

Age limit upon purchase - Term 10, 20 or 100 years: available to persons between 18 and 75 years old inclusively.

Contract type - Term 10, 20 or 100 years depending on the option chosen by the policyholder.

Renewal - Term 10 or 20 years: guaranteed until age 80.

Premium - Term 10 or 20 years: This policy has premiums that vary in 10- or 20-years periods depending on the option chosen by the owner. The premium is guaranteed for the period chosen. At the end of 10 or 20 years, depending on the option chosen, the premium is adjusted to reflect the attained age of the insured, the initial risk class of the insured and the premium rates in use at that date. This new premium is also guaranteed for another 10 or 20 years. Term 100: The initial premium is guaranteed for a period of 100 years depending on the policyholder’s policy. The premium is guaranteed for the selected period. The premium is fixed and payable until the policy anniversary closest to the date the insured reaches age 100. Thereafter, the coverage remains in force and the Insurer releases the owner from the payment of any future premiums.

Beneficiary - As designated by the policyholder.

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.