Guaranteed Issue Life Insurance

Protect Yourself — With Coverage That Fits Your Budget

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✅ Guaranteed Issue Life Insurance in Canada

Protect Yourself and Your Family from the Unexpected

 

At Citadel Financial Wealth Group (CFWG), we believe everyone deserves access to life insurance — even if they’ve been declined before or are dealing with health issues. That’s why we offer Guaranteed Issue Life Insurance — a fast, no-medical, no-question solution for Canadians who want peace of mind.

💡 What Is Guaranteed Issue Life Insurance?

Guaranteed issue life insurance (also called No Medical Life Insurance) is a type of whole life insurance that you can qualify for without any medical exam and limted health questions.

It’s designed for Canadians who may be:

  • Over age 50

  • Living with pre-existing conditions

  • Have been declined for traditional life insurance

  • Or simply want quick, hassle-free coverage

Unlike traditional plans, acceptance is guaranteed — no matter your health history.

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📊 Why Choose Guaranteed Issue Insurance?

No Medical Exams Required

Approval is automatic. No doctor’s visits, no blood tests, no health forms.

Guaranteed Acceptance

Every Canadian within the eligible age range qualifies — even with serious medical conditions.

Affordable, Locked-In Premiums

Monthly costs remain fixed for life — with smaller coverage amounts to fit most budgets.

Permanent Coverage

It’s whole life insurance — meaning your coverage never expires as long as premiums are paid.

Fast Setup & Payout

Quick approvals and faster processing for families when they need the funds most.

🧾 What Does It Cover?

Once you’re approved (which is immediate), your policy will provide a tax-free lump sum payout to your beneficiary if you pass away — helping your loved ones cover:

Covered Conditions
  • Funeral and final expenses

  • Outstanding debts

  • Medical bills

  • Everyday living costs

  • Estate or legal costs

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⚠️ Most policies come with a two-year waiting period: If death occurs in the first two years (non-accidental), your premiums are refunded — often with interest. After that, full coverage applies.

Coverage is subject to underwriting approval and varies based on the specific policy you select. The actual conditions covered, eligibility, and benefits will depend on the insurer’s final review and approval of your application. Terms, conditions, and exclusions may apply.

🎯 Who Should Consider No Medical Life Insurance?

This plan is ideal for:

✔️ Seniors (ages 50 to 80+)
✔️ Individuals with serious or chronic illnesses
✔️ People with a history of being declined or rated
✔️ Those who want simple, fast, guaranteed coverage

💰 How Much Coverage Can I Get?

Guaranteed issue policies typically offer $5,000 to $50,000 in permanent coverage — perfect for final expenses, basic estate costs, or leaving a small legacy.

For higher amounts, we can also explore simplified issue life insurance, which may only ask a few health questions but still skips the medical exam.

🤔 Guaranteed Issue vs. Simplified vs. Traditional Life Insurance

FeatureGuaranteed IssueSimplified IssueTraditional Life Insurance
Medical Exam Required?❌ Never❌ No✅ Yes (in most cases)
Health Questions?❌ None✅ Minimal✅ Full medical review
Coverage Amounts$5,000 – $50,000$5,000 – $500,000+$100,000 – $5,000,000+
Waiting Period?✅ 2 years (usually)✅ Sometimes❌ Immediate in most cases
Approval TimeInstant1–3 days4–6 weeks
Best ForHigh-risk individualsModerate health risksHealthy individuals

 

Accidents Happen, Life Happens, So Be Prepared For The Unexpected. Disability Insurance Quotes

Get a insurance quote online

Check your price: no commitment, just quotes!

Apply online when you’re ready.

Get personalized advice

Licensed Canadian advisors are available by phone Monday to Sunday.

Give us a call at: +1 (877) 273-5614

Our advisors care, so there’s no pressure or upselling.

Frequently Asked Questions About Guaranteed Issue Insurance

Can I get this coverage if I’ve been denied before?

Yes — guaranteed issue life insurance is designed for Canadians who have been declined due to medical reasons.

What if I pass away in the first two years?

Most policies will refund 100% of your premiums paid (often with interest) unless death is accidental, in which case the full benefit may be paid.

Is the payout taxable?

No. Just like traditional life insurance, the payout is 100% tax-free to your beneficiaries.

Can I cancel at any time?

Yes, you can cancel your policy, but coverage ends and no refund is issued unless you cancel within a grace period or qualify for a premium return feature.

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See how much you're saving with Citadel Financial Wealth Group.

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At Citadel Financial Wealth Group, your financial future is our top priority.
We’re here to provide personalized advice and tailored insurance solutions that protect what matters most to you. Whether you’re planning ahead or safeguarding your family’s future, our mission is to help you build and protect lasting financial success.

💬 Speak with a licensed CFWG advisor today and discover the difference expert guidance can make.

Contact Citadel Financial Wealth Group

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