INSURANCE LIFE CANADA
  • Insurance
    • Life Insurance
    • Mortgage Insurance
    • Critical Illness
    • Disability
    • All in one
    • Health Plan
    • Travel Insurance
  • Investing
  • Children
  • Mortgage
  • Group
  • Contact

The most affordable
Life Insurance

Best Rates: Paramedical Underwritten Life Insurance

get MY quote
x
Life Insurance Quote

Get Quote
Mortgage life insurance rates on an ipad

For many People, a full paramedical will not be needed...

For many, medical questions may be enough.  As an example, Manulife has recently changed their applications so based on no per-existing conditions, applicants who are between 18 and 40 would only need to answer a handful of medical questions when applying for life insurance.

For the rest of us, a paramedical is quick and easy, usually consisting of medical questions about past and current health status, lifestyle and habits and a quick check of height, weight, heart rate and blood pressure plus we will need to provide a urine sample. We will also be asked about past illnesses and surgeries, medications currently taken and a list of the doctors we see.

Before your exam be sure to...
  • Avoid caffeine for a few hours
  • Avoid alcohol beverages for 8 hours
  • Do not smoke for one hour
  • Skip the gym and any strenuous activity for 12 hours
  • Drink plenty of water

If you are having blood taken...
  • Wear short sleeves or a shirt with sleeves that can easily roll up
  • No food for 8-10 hours prior to your appointment unless you suffer from a medical condition that does not allow for fasting
What happens during a paramedical exam for life insurance?

A nurse will come to your home at the appointed time, that is convenient for you, to conduct the tests.  The nurse will go through a series of health and lifestyle questions and record your answers. The process may take about 20 minutes to complete.  At times, the insurer may ask for a doctors report from your family doctor, if they require more details regarding your health.

This is a quick and easy process that can often take place in your own home, by a health professional, in under 20 minutes and will not require you to disrobe.

Privacy
If the underwriting process uncovers medical issues, your advisor never gets the details. To protect your privacy, the results go only to your doctor and you.

The reality is that the more information the life insurance company has, likely the lower the rates can be.  By taking the time to have a paramedical visit, you stand the greatest chance of getting the absolute lowest rates available! 

Don't want or have time for a Paramedical?

No Medical

Picture
No Medical
DISCOVER NOW
  • Guaranteed Coverage
  • Ages 18 to 80
  • Term and Permanent
  • Insurance up to $500,000
DISCOVER NOW

Self Serve

Picture
Self Serve
DISCOVER NOW
  • Instant quote
  • Apply on line
  • Up to $500,000
  • Term and Permanent
DISCOVER NOW

We Would Love to Have You Visit Again Soon!


Critical Illness
Life Insurance
Disability Insurance
Insurance for Children
Picture
Proudly Serving Canada
2018 All rights reserved

Telephone

1-800-665-0936

Hours

M-F: 9am - 7pm
Blog
Contact Us
Privacy Policy
Terms of Service
  • Insurance
    • Life Insurance
    • Mortgage Insurance
    • Critical Illness
    • Disability
    • All in one
    • Health Plan
    • Travel Insurance
  • Investing
  • Children
  • Mortgage
  • Group
  • Contact