01
Instant Approval
Your acceptance is 100% guaranteed as long as you meet the age requirements. No waiting for medical reports.
WHAT IS GUARANTEED ISSUE?Financial Security
Financial Security
For Every Canadian
Guaranteed Issue Life Insurance is a unique type of permanent coverage where your application cannot be declined due to health reasons. It is specifically designed for individuals who may have been turned down for traditional insurance or those who prefer a hassle-free application without medical tests.
With zero health questions and no medical exams, it provides a vital safety net for seniors and those with pre-existing conditions. Once active, your premiums are locked in for life and your coverage will never decrease, ensuring your family has a tax-free payout to manage funeral costs, debts, or to leave a legacy.
PLAN HIGHLIGHTS
Simple Protection, Zero Refusals
02
Zero Health Questions
Apply with confidence. We don't ask about your medical history, prescriptions, or pre-existing conditions.
03
Fixed Monthly Rates
Your premiums are locked in the moment you sign up and will never increase as you age.
04
Lifelong Protection
This is permanent insurance that stays with you for your entire life. It never expires like term insurance.
05
Tax-Free Payout
Your beneficiaries receive the full death benefit amount entirely free from federal income tax.
06
No Medical Exams
Skip the needles and doctor visits. Get covered through a simple, paperless application process.
07
Funeral Cost Cover
Specifically designed to provide immediate funds for burial, cremation, and final expenses.
08
Accidental Death
Many plans offer an immediate full payout for accidental death from day one of the policy.
A Hassle-Free Path to Peace of Mind
Getting covered shouldn't be stressful. Our advisors manage the paperwork so you can focus on your life.
Step 1
Free Quote Consultation
Connect with our team to find the best guaranteed rates based on your age and province.
Step 2
Choose Your Benefit
Select a coverage amount (typically $5k-$50k) that fits your budget and wishes.
Step 3
Basic Information
Submit simple residency and ID details. No medical history or exams are required.
Step 4
Immediate Activation
Once your first premium is processed, your coverage is active. You are now protected for life.
100% GUARANTEED ACCEPTANCECoverage Without
Coverage Without
Questions.
Guaranteed.
No medical exams. No health questions. Just permanent protection for your family, regardless of your medical history.
CORE ADVANTAGES
Why Choose Guaranteed Issue?
We provide high-stakes protection for those who need it most. No matter your medical past, we ensure your family’s financial future is secure.
100%
Approval Guaranteed
Your health history does not matter. If you are within the age range, you are accepted.
- Zero medical examinations
- No health questionnaires
- Coverage for serious illnesses
- Ideal for hard-to-insure cases
- Peace of mind for every senior
Fixed
Locked-In Rates
Inflation and age will never affect your cost. Your first premium is your last premium.
- Premiums never increase
- Payout amount never decreases
- Choose monthly or annual pay
- Policy cannot be cancelled
- Budget-friendly security
Cash
Immediate Liquidity
A tax-free lump sum is delivered to your family to cover urgent final expenses.
- Tax-free death benefit
- Fast claim processing
- Use funds for any purpose
- Covers funeral and debts
- Direct payout to beneficiaries
*Pricing isn’t one‑size‑fits‑all — it shifts based on your age, your health, and the provider.
ELITE ACCESSIBILITYDignity and Security
Dignity and Security
For Every Stage Of Life
We believe that everyone deserves the right to protect their loved ones, regardless of their health journey. Guaranteed Issue Life Insurance removes the barriers of medical exams and intrusive questions, giving you total control over your final arrangements.
THE FINE PRINTHow Guaranteed
How Guaranteed
Policies Work
100% Approval Rate:
If you meet the age requirements (typically 40-75), you cannot be declined. Your medical history is never a factor in the approval process.
The Graded Payout Rule:
Most policies have a 2-year waiting period for natural death. If passing occurs earlier, beneficiaries receive a full refund of premiums plus interest.
Immediate Accidental Cover:
Unlike natural causes, full coverage for accidental death begins the moment your policy is active, providing immediate high-stakes protection.
Fixed Cost Guarantee:
Your premiums are locked in at the time of purchase. They will never increase, ensuring your protection remains affordable as you age.
GET ASSISTANCE
Need More Information? We're Here To Assist You
Fill out the form below and our team will get back to you within a few hours with a customized plan.
WHY CHOOSE US
Everything You Need, All In One Place
We simplify insurance & investment— from finding the right policy to guiding every step of your claim.
Customized Policy
Get a tailored policy that aligns with your needs, priorities, and future goals.
Guided Help
Understand every step with simple advice and zero unnecessary confusion.
Less hustle, more care
Fast and reliable support whenever you need claim-related assistance.
Online Application
Apply from anywhere with a quick digital process that saves your time.
2,500+
Families Protected
25+
Partner Insurers
10+
Years Experience
100%
Unbiased Advisory
Trusted & Secure
Licensed advisors help you choose the right coverage with complete transparency and personalized support.
FAQS
Answers To Your Common Queries
Yes! If you are within the eligible age range (usually 40 to 75 or 80) and a Canadian resident, you cannot be turned down for health reasons. There are no medical exams or health questions.
Need a guaranteed plan?
Our advisors can help you secure approval today.
Knowledge Hub
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