Solutions for your future needs.

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(519) 287-2955

Non-Medical Insurance

 

Non-Medical Insurance

If a person is hard to insure, there are life insurance plans specifically designed for no medical underwriting for a lower face value. The premium may be slightly higher than a brokered insurance plan designed for healthy people.

You will only have to answer the typical questions in the policy application. These plans work best for people who:

  • Have previously been turned down by insurers
  • Are hard to insure
  • Have been long-term smokers
  • Are overweight
  • Refuse to take a medical exam

Before you purchase this plan, we can advise you of your options based on your health history, or if there are past failed applications. By searching the market, we will find the most suitable plan for your situation. You may be able to be underwritten by certain underwriters who accept more risk.

We will assess both a regular and/or non-medical life insurance plans and may advise submitting both types of applications. Both traditional and non medical insurance plan benefits are 100% tax-free in Canada when paid to beneficiaries.

 

 

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Mutual Funds and Segregated Funds provided by the Fund Companies are offered through Worldsource Financial Management Inc. Other Products and Services are offered through McColl Financial Services


Get in touch


McColl Financial Services

239 Main Street
Glencoe ON N0L 1M0

Phone: (519) 287-2955
Toll free: (800) 268-2623
Fax: (519) 287-3206

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