Life insurance · Guaranteed issue
Guaranteed issue life insurance in Canada. The yes that is always there.
Acceptance for every applicant aged 18 to 80, no medical exam, permanent coverage up to $50,000. And the part other guaranteed-issue pages leave out: you do not apply for it. You answer our 14 questions once, and if every other offer is ruled out, this one is still waiting. Most people who expect it land higher.
Check my price- Acceptance guaranteed, ages 18–80
- No medical exam, ever
- Permanent coverage, stays for life
- Decision within 24 hours
At a glance
Guaranteed issue, in one paragraph.
Guaranteed issue life insurance in Canada is coverage that accepts every applicant within its age range regardless of health: in the market that usually means no health questions, small amounts, a higher price per dollar, and a two-year waiting period on natural causes. At Oneday it is the floor of a single 14-question application that every product shares: if your answers rule out every higher offer, you still receive permanent coverage of up to $50,000 (to age 50) or $25,000 (51 to 80), with a 24-month deferral on natural-cause death and accidental death covered in full from day one. No health answer can take it away.
Ages 18 to 80
Applications accepted to 80. Everyone in range gets an offer.
Up to $50,000
To age 50; up to $25,000 from 51 to 80. From $5,000.
Permanent
Stays for life as long as premiums are paid. Price locked.
24-month deferral
Natural causes in the window: premiums returned. Accidents: paid in full from day one.
Seven provinces
ON, BC, AB, MB, SK, NB and NS. Not Quebec, NL, PEI or the territories.
Last updated August 2026 · Reviewed by Oneday’s licensed advisory team · Oneday TPA Inc. is licensed by FSRA · Read our editorial guidelines.
How it works
How guaranteed issue works in Canada, and how ours is different.
Banks and national insurers sell guaranteed-acceptance plans as a separate product: you pick it, you pay for it, and nobody checks whether you could have had something better. We built the application the other way round.
In the market
No health questions. Typically $5,000 to $50,000 of permanent coverage, often for ages 40 to 75 only, with a two-year waiting period on natural-cause death and the highest price per dollar of coverage in life insurance. Bought as a product, usually by people who assume they would be declined elsewhere.
At Oneday
One application for everything we offer: 14 plain-language questions plus height and weight, no exam, no doctor’s note. Your answers place you in the strongest offer we can make, from full coverage on day one up to $500,000 down to the guaranteed offer. You see which one, and the price, before you pay a cent. The guaranteed offer is there for ages 18 to 80, and no answer can remove it.
If you are reading this because someone told you guaranteed is your only option, apply anyway. A large share of our customers were told no elsewhere first, and most of them do not end up on the guaranteed floor: stable, treated conditions usually land a higher offer, with more coverage and often full coverage from day one. The application costs nothing and shows you the answer within 24 hours.
The whole no-exam picture, with prices: no medical exam life insurance in Canada.
The honest part
What you get, and what you trade.
What you get
A yes that does not depend on your health. Permanent coverage that stays for life, a price that is locked once approved and never rises because your health changes, a tax-free lump sum to your named beneficiary, a 30-day free look, and the same no-exam, ten-minute application as everyone else.
What you trade
A smaller maximum ($50,000 to age 50, $25,000 from 51), a higher price per dollar of coverage than our other offers, permanent coverage only (no 10-, 20- or 30-year terms), and a 24-month deferral on natural-cause death. That deferral is the trade that makes a guaranteed yes possible without a medical exam.
Who it is really for
People whose answers rule out every other offer: usually a recent serious diagnosis or treatment, several major conditions together, or a recent hospital stay. Age alone never sends you here; answers do. If that is you, this is real protection for the costs that come last, and it is better than no policy.
The 24-month deferral, on a timeline
What it is for
What $50,000 actually does for the people you leave behind.
Guaranteed coverage is not built to replace an income. It is built for the week after, and the bills that do not wait.
Final expenses
A funeral and the paperwork that follows commonly run into five figures in Canada, and the CPP death benefit is a one-time $2,500. Our end-of-life cost calculator puts a number on it.
Debts that would land on family
Credit cards, a line of credit, a car loan, the last of a mortgage. A lump sum clears them instead of your spouse or kids carrying them.
A clean legacy
A tax-free amount to a spouse, child, grandchild or charity, on paper instead of a hope. You name the beneficiaries and the split.
Sizing it: add remaining Debts, any Income someone still relies on, the Mortgage balance and Education promises, the DIME method. If the number is bigger than $50,000, apply anyway: your answers may unlock it.
Your options in Canada
Guaranteed acceptance, by type, not by brand.
| Bank and insurer guaranteed-acceptance plans | Oneday guaranteed offer | Oneday higher offers | |
|---|---|---|---|
| How you get it | You choose it as a product | The floor of the one 14-question application; no answer can remove it | The same application, with healthier answers |
| Health questions | None | The same 14, but they cannot disqualify you | The same 14 |
| Ages | Often 40 to 75 | 18 to 80 | 18 to 80 |
| Maximum coverage | Often $5,000 to $50,000 | $50,000 to age 50; $25,000 from 51 | $100,000, $350,000 or $500,000 depending on answers and age |
| Type | Permanent | Permanent | Term (10, 20, 30 years) or permanent |
| Waiting period | Usually 2 years | 24-month deferral on natural causes | 24 months on the more complicated offers; none with the healthiest answers |
| Price | Highest per dollar | Higher per dollar; shown before you pay | Lower per dollar; shown before you pay |
Market ranges are typical, not a quote from any named company, and change over time. Minimum premium at Oneday is $20 per month; your exact price is confirmed during the application, before any payment is taken. Underwritten by Humania Assurance Inc.
How to apply
Ten minutes on your phone. A decision within 24 hours.
Answer the questions
14 plain-language health questions plus height and weight, online. No records, no doctor visit, no needles. Answer honestly; an honest yes costs you nothing here.
About 10 minutesSee your offer and price
Your coverage maximum and price, printed on the page before you commit to anything or pay a cent. If it is the guaranteed offer, it says so plainly.
ImmediatelyChoose the amount
From $5,000 up to your maximum, in $1,000 steps. Size it to final expenses and the debts that matter.
Your callGet your decision and activate
A decision within 24 hours. Your first payment secures coverage and the policy arrives by email. 30-day free look, full refund if you change your mind.
Within 24 hoursRather talk it through? Licensed advisors, no pressure, at 1 800 655 2795. They take your application exactly where you left it.
Start my applicationGuaranteed issue FAQ
The questions everyone asks.
What is guaranteed issue life insurance?
Life insurance that accepts every applicant within its age range regardless of health. In the Canadian market it usually means no health questions, smaller coverage amounts (often $5,000 to $50,000), a higher price per dollar of coverage, and a two-year waiting period on natural-cause death. It exists so that nobody is left with no option at all.
Do I have to choose the guaranteed option at Oneday?
No, and you cannot. There is one application: 14 plain-language health questions plus height and weight. Your answers place you in the strongest offer we can make, from full coverage on day one up to $500,000 down to the guaranteed offer. The guaranteed offer is simply the floor: if every other offer is ruled out by your answers, it is still there. Most people who expect to end up here land higher.
How much coverage does the guaranteed offer give me?
Permanent coverage up to $50,000 if you are 18 to 50 at application, and up to $25,000 if you are 51 to 80. Coverage starts at $5,000. If your answers qualify you for a higher offer, the maximum rises to $100,000, $350,000 or $500,000 depending on the offer.
Do I still have to answer health questions?
Yes, the same 14 questions everyone answers, because they are what let us offer most applicants something better than the guaranteed floor. The difference is that no answer can remove the guaranteed offer. Answer honestly; an honest yes costs you nothing here.
Can I be turned down?
Not at Oneday. Every applicant aged 18 to 80 who lives in a province we serve receives an offer. The guaranteed offer is the reason there is no decline letter: it is the yes that is always there, no matter what your health history says.
Is there a waiting period?
Yes. The guaranteed offer carries a 24-month deferral on natural-cause death: accidental death is covered in full from day one, and if death from natural causes happens in the first 24 months, every premium paid is returned to your beneficiary. After 24 months the full amount is payable for any cause.
Is guaranteed issue more expensive?
Per dollar of coverage, yes, because the insurer is accepting everyone. Your exact price is shown on the page before any payment is taken, and our minimum premium is $20 per month. If your answers qualify you for a higher offer you will see that price instead, and it will be lower per dollar of coverage.
Is the guaranteed offer permanent or term?
Permanent: it stays in force for life as long as premiums are paid, and the price is locked once approved. It does not renew, expire or need converting. Term lengths (10, 20 and 30 years) are available on the higher offers.
What is the age range?
Applications are accepted from 18 to 80, and every applicant in that range receives an offer. Many guaranteed-acceptance plans in Canada only accept applications from about 40 to 75.
If my health improves, can I get a better offer later?
You can apply again at any time; a new application is underwritten on your answers that day. Keep in mind that rates rise with age, so a later application is priced at an older age. Talk it through with a licensed advisor at 1 800 655 2795 if you are unsure.
Where is guaranteed issue life insurance from Oneday available?
Seven provinces: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick and Nova Scotia. We do not currently serve Quebec, Newfoundland and Labrador, Prince Edward Island or the territories.
Who underwrites my policy?
Oneday TPA Inc. is a third-party administrator. Every policy we issue is underwritten by Humania Assurance Inc., a Canadian life insurer founded in 1874.
Keep reading
Related pages and guides.
No medical exam life insurance in Canada
The whole no-exam picture, with real prices and the seven provinces.
How guaranteed issue works
Graded benefits, pros and cons, and when it is worth it.
Simplified issue life insurance
Health questions, no exam: the route most applicants land on.
Final expense insurance
Smaller permanent coverage for the costs that come last.
End-of-life planning
A kindness they will never have to ask for.
Living with a diagnosis
What a condition changes, and what it does not.
Life insurance at 55 and over
Real prices at 55 and what changes after.
Declined? What to do next
Why it happens and the route that still says yes.
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