A diagnosis doesn’t end this conversation. It starts one.
Diabetes, heart disease, anxiety, a cancer you beat, other insurers see reasons to say no. We built Oneday to say a real yes: 14 plain-language questions, no medical exam, and an offer for every applicant aged 18 to 80.
Check my price- No exam, no blood work
- Every applicant 18–80 gets an offer
- Decision within 24 hours
- No judgment, plain language
Who we cover
If one of these is you, you’re exactly who we built this for.
Simple questions, not medical jargon. We ask height and weight, that’s it, no math needed, no records to dig up.
- Type 1 & Type 2 diabetes
- Heart disease
- High blood pressure
- High cholesterol
- Asthma & COPD
- Sleep apnea
- Anxiety & depression
- Cancer in remission
- Autoimmune conditions
- Higher weight
- Past decline elsewhere
Not on the list? Apply anyway. The list of what we cover is far longer than what we don’t, and the questionnaire gives you a real answer in minutes.
How this is possible
No decline letters. A dial instead of a door.
Traditional insurers sort applicants into “accepted” and “declined.” We don’t. Your 14 answers move a dial, the coverage amount, the price, and when full coverage starts, but everyone aged 18 to 80 stays on the dial.
Well-managed condition
A stable, treated condition often lands closer to standard pricing than people expect, with meaningful coverage amounts and full coverage from day one.
More complicated history
Recent events or multiple conditions usually mean a smaller maximum amount, a higher price, and a 24-month deferral, but still a real policy, in force from day one for accidents.
Even the hardest files
When health answers rule out everything else, our Guaranteed tier remains: acceptance guaranteed for ages 18 to 80, permanent coverage no health answer can take away.
The four tiers, Prime, Plus, Core, and Guaranteed, are explained honestly, prices included, on our products page. You never pick one; your answers place you in the strongest tier we can offer.
The honest part
What a 24-month deferral actually means.
If your offer includes one, here it is in three sentences, not on page 14 of a contract.
Accidental death: covered in full, from day one
The deferral never applies to accidents. Your beneficiary receives the full face amount immediately, starting the day your coverage begins.
Natural causes in the first 24 months
Every premium you paid is returned to your beneficiary. Oneday keeps nothing. This is the trade that makes a guaranteed yes possible without a medical exam.
After 24 months
The full amount is payable for any cause, for as long as the policy stays in force. And if your answers allow full day-one coverage, there is no deferral at all.
How it works
Fourteen questions. Zero waiting rooms.
Answer in plain language
14 health questions anyone can understand. Say yes to something and we ask a follow-up instead of failing you. No records, no exams, no needles.
About 5 minutesSee your real offer
Your coverage amount and price, printed on the page before you commit to anything or pay a cent. No email wall, no callback ambush.
No email wallDecide on your terms
A decision within 24 hours. Buy online when you’re ready, or talk it through with a licensed advisor first, never a gate you have to pass through.
Within 24 hoursOnce approved, your price is locked for the full term and your coverage can’t be cancelled because your health changes. A worse diagnosis next year changes nothing about the policy you hold.
Before you start
The questions people with a diagnosis actually ask.
Can I get life insurance with a diagnosis or chronic condition?
Yes. That is exactly who Oneday was built for. Every applicant aged 18 to 80 receives a real offer, diabetes, heart disease, anxiety, a past cancer, or a decline letter from another insurer never close the door here. Your answers shape the amount, the price, and whether a deferral applies, not whether you get a yes.
Will I need a medical exam, blood work, or my medical records?
No. There is no medical exam at Oneday, ever. No blood work, no doctor’s note, no hunting down specialist reports. We ask 14 plain-language health questions plus your height and weight, and if you say yes to something we ask a follow-up instead of failing you.
Will I pay more because of my condition?
Honestly: often, yes. Pricing reflects your health answers, and a more complicated history usually means a higher price per dollar of coverage or a smaller maximum amount. What we promise is that the price is printed on the page before you commit to anything, and it never goes up later because your health changes.
What is the 24-month deferral I might be offered?
If your health history is more complicated, full natural-cause coverage starts after 24 months. Accidental death pays the full amount from day one. If death from natural causes happens in the first 24 months, every premium you paid is returned to your beneficiary, Oneday keeps nothing. After 24 months, the full amount is payable for any cause. Healthier answers get full coverage from day one, no deferral.
What if my health gets worse after I buy?
Nothing changes. Once your policy is in force, your price is locked for the full term and your coverage cannot be reduced or cancelled because your health changes. Your underwriting happened once, at application, new diagnoses later never trigger a re-evaluation.
I was declined by another insurer. Should I even bother applying?
Yes. A large share of our customers were told no elsewhere first. A decline with another company doesn’t affect your application here: we ask our own 14 questions and make our own offer, and every applicant aged 18 to 80 gets one.
Do I have to talk to someone about my health history?
Only if you want to. The whole application runs online, and the questions are in plain language, no medical jargon, no judgment. If you’d rather talk a tricky question through with a human, licensed advisors are one call away at 1 800 655 2795, and they’ll take your application exactly where you left it.
Where is Oneday available?
Seven provinces: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia.
Find out in 60 seconds what your real yes looks like.
No email required, no judgment. Rates are set by your age at application, checking today locks in today’s age.
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