No medical exam life insurance in Canada. No needles. No decline letters.

Yes. No medical exam life insurance is sold across Canada as simplified issue (health questions, no exam) and guaranteed issue (no health questions at all). At Oneday there is no exam, no blood work and no doctor’s note for any applicant aged 18 to 80, at any coverage amount from $5,000 to $500,000, in the seven provinces we serve.

At Oneday, $100,000 of 10-year term is $20.00 per month at 35 and 45 and $41.04 at 55; $250,000 is $27.68, $45.45 and $98.55; $500,000 is $52.65, $88.20 and $194.40 (female non-smoker, healthier answers, including the $30 annual policy fee). Men, smokers and more complicated health histories pay more, and you see your exact price before any payment is taken.

Per dollar of coverage it can be, for a young, healthy applicant who would sail through an exam, because the insurer knows less about you. For people with a health history it is often the cheaper route, because the alternative is a rated or declined application after weeks of waiting. If you are in excellent health and want a very large amount, a fully underwritten policy will likely beat our price, and you should take it.

Fourteen plain-language questions about your health history (for example diabetes, heart conditions, cancer, blood pressure, mental health, tobacco use and recent hospital stays) plus your height and weight. Say yes to something and we ask a follow-up instead of failing you. No lab results, no A1C printout, no records to dig up.

Not at Oneday. There is no decline letter here: every applicant aged 18 to 80 in a province we serve receives an offer. Tougher health answers change which offer you land in, the amount, the price and whether a 24-month deferral applies, never whether you get a yes; the floor is a guaranteed-acceptance permanent policy of up to $50,000. Some other insurers can still decline a no-medical application under their own rules.

The application takes about ten minutes, your price is shown immediately, and a decision arrives within 24 hours. After you apply we check the MIB, an industry database that flags previously disclosed conditions, in the background. It needs nothing from you. Fully underwritten policies that require an exam and records typically take three to eight weeks.

Sometimes. If your health history is more complicated, your offer may start with 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. Healthier answers get full coverage from day one, no deferral.

Yes. Type 1 and Type 2 both receive an offer, whether you manage it with diet, pills or insulin, and there is no A1C test, no blood work and no doctor’s letter. Your answers shape the amount, the price and whether a deferral applies. Our guide to life insurance with diabetes in Canada goes factor by factor.

Yes. A decline with another company reflects that company’s rules and does not affect your application here. A large share of Oneday customers were told no somewhere else first. We ask our own 14 questions and make our own offer.

Age limits vary by insurer, and many guaranteed-acceptance plans stop taking applications in the mid-seventies. Oneday accepts applications from age 18 to age 80, and every applicant in that range receives an offer. Term coverage renews and converts to age 70 and ends at 80; everyone qualifies for a permanent option that stays for life.

Yes. Smoking is one of the 14 questions and it raises the price, but it never removes the offer. Twelve months tobacco-free usually earns non-smoker rates, the largest single discount in life insurance.

Oneday is available in 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.

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.