Simplified or Guaranteed Issue Life Insurance

A fast track to getting coverage

Taking out life insurance can raise a lot of questions. How much does it cost; what coverage is included? We can help with that.

Give us a call at
1 866 612-3473

Short on time?
Then simplified or guaranteed issue life insurance is for you. Simplified issue allows you to get permanent or term life insurance quickly, while guaranteed issue ensures you're protected even if you have health issues.


Why take out simplified or guaranteed issue life insurance?

The name gives it away: It’s simple!

Life is fast, but we’re faster. If you meet the eligibility criteria, we’ll issue your simplified or guaranteed life insurance policy in record time.

Simply answer a few questions about your health to help us determine if you qualify.

Enjoy the convenience of our 100% online process. Meet with an advisor from the comfort of your home (or anywhere you like) to get the coverage you need.

Simplified term life insurance

Term life insurance is a good strategy when you want coverage for key stages of life or to provide financial security for a dependent. Plus, you can renew your coverage at the end of your policy.

In a nutshell
  • Coverage in 60 minutes2
  • No medical exam
  • For people in good health
  • Insurance for a set term, without additional coverage options

Simplified permanent life insurance

Permanent life insurance translates into lifelong coverage and steady premiums. You also have the option to leave an inheritance to your loved ones.

In a nutshell
  • Lifetime coverage in under 60 minutes2
  • No medical exam
  • For people in good health
  • Insurance for life, without additional coverage options

Guaranteed issue permanent life insurance

With guaranteed issue permanent life insurance, health issues won’t be a roadblock to getting lifetime coverage—no medical exam needed.

In a nutshell
  • Lifelong coverage in under 60 minutes2
  • No medical exam
  • For people having a hard time getting insurance
  • For people with an appetite for thrills
Lucas et emmanuel

An example of simplified term life insurance

Lucas et emmanuel

Lucas and Emmanuel, parents-to-be

Lucas and Emmanuel3 recently bought their first home to start their family. They want to be sure their loved ones will be able to maintain their lifestyle if something happens to them. Lucas knows he’s in good health. Plus, with his fear of needles, he’s not too keen on medical tests. With all this in mind, the couple decided to get simplified term life insurance.


An example of simplified permanent life insurance


Liam, enjoying his retirement

Liam3, a successful 62-year-old retiree, wants to cover his funeral expenses himself. Active and in good health, he spends his retirement years traveling and discovering new places. Often on the road, his busy schedule makes medical exams a little complicated. So he took out a simplified permanent life insurance policy to get the coverage he needs, hassle-free.


An example of guaranteed issue permanent life insurance


Deepti, 45-year-old with health problems

Deepti3 is 45 years old. She's tried to apply for permanent life insurance in the past, but her health makes it difficult to qualify. She's decided to look into guaranteed issue permanent life insurance to get the coverage she needs to protect her loved ones and cover her funeral expenses should the worst happen.