What is Canadian Seniors No Medical Life Insurance?

Canadian Seniors Life Insurance with no medical exam is a straightforward, direct whole of life insurance that can help your family with funeral costs, bills, or even contribute to your partner’s retirement fund when you pass away. We want to make it as straightforward as possible for you to secure a policy. At Seniors Choice, there is no medical exam to get life insurance. There are just a few simple health and lifestyle questions. Designed for Canadian residents aged 40 to 802, it’s the simple way to take control of your life insurance. Depending on your age, you could choose to get up to $250,000 of coverage.


Our trusted life insurance advisors will talk you through your options with no obligation to buy and no need for a broker. With premiums from as little as $14.88 per month3 and no policy fees, it’s easy to make the right choice for your loved ones.

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Why Seniors Choice is the right choice

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Choose the right coverage

Get up to $250,000 of coverage for your loved ones, depending on your age

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Choose peace of mind

24/7 Worldwide coverage – for the whole of your life, for as little as $14.88 per month3

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Choose convenience

You can get coverage in just a few minutes from a local trusted advisor, with no medicals or blood tests

Choose life - choose Seniors Choice

  • No medical exams or blood tests for approval – We only ask just a few health and lifestyle questions
  • Choose the right coverage for your loved ones with up to $250,000 of coverage depending on your age 
  • Choose peace of mind – 24/7 Worldwide coverage for the whole of your life 
  • Terminal Illness coverage – With our additional coverage you’ll receive your full benefit amount upfront if diagnosed with a terminal illness with less than 12 months to live4
  • Choose convenience – With our easy to arrange insurance, you can get coverage in just a few minutes
  • Choose a local team you can trust – Our experienced team of trusted advisors is based right here in Canada
  • Exclusive – Canadian Seniors Life Insurance can only be bought directly from us
  • Easy claims process  – We strive to pay out claims fast, with a straightforward claims process
  • Choose immediate coverage – excluding suicide in the first 2 years
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Feel confident in a provider you can trust

As the #1 direct choice for Canadian over 50s life insurance1, we’re proud to say that after thousands of independent reviews we’ve been rated ‘Excellent’ on Trustpilot. We've also got excellent ratings on Google, REVIEWS.io and Feefo, where we’ve won the Gold Trusted Service Award.  

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How to buy no medical life insurance from Seniors Choice

We’ve designed Canadian Seniors Life Insurance with ordinary Canadians in mind. Getting a policy is simple and straightforward. The application can be done entirely over the phone in just a matter of minutes. We don’t require you to take a medical exam in order to get coverage. You’ll only have to answer a few simple health and lifestyle questions.


Depending on your age, when you apply you can secure up to $250,000 in coverage to help your loved ones with funeral costs and other expenses. The best part is you won’t need to go through a broker to get coverage. Our trusted team of advisors based right here in Canada are ready and waiting to help you.

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Frequently asked questions

Here are some common questions we get asked about Canadian Seniors Life Insurance.

Life insurance is a simple way to help provide some financial security for your loved ones. With Canadian Seniors Life Insurance, you can help your family with funeral costs, tax bills, and future planning when you’re gone. It could allow you to leave behind some money as a gift. With Seniors Choice as long as you keep up with your payments, you’re guaranteed a specific benefit amount, so once it’s in place, you’re protected for life5.

Learn more

Canadian Seniors Life Insurance is protection that covers you for life. If you’re a Canadian resident aged 40-80, you’re eligible for up to $250,000 of coverage depending on your age2. You don’t need to provide a medical or blood test to get approved for coverage. Our coverage is exclusive to us and can only be bought direct. We’ll discuss a benefit amount and a monthly premium with you. Once you’ve secured coverage you’ll be protected for life5.

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Yes, with Seniors Choice life insurance your monthly premiums will start at a lower amount and will be recalculated each year based on your age and as a result of the 3% automatic benefit amount increase.

You can ask us at any time not to apply the automatic benefit amount increase, in which case your benefit amount will not increase at the next policy anniversary and your premium will rise based on your age only. If you opt out of three increases in a row, the automatic benefit amount increases will be permanently removed from your policy.

With Canadian Seniors Life Insurance, you can apply for a minimum of $10,000 and a maximum $250,000 worth of coverage depending on your age. Your age, gender and smoker status will all impact the amount of coverage you can apply for. The amount of coverage you apply for will determine the amount you will pay each month for your premiums. When applying, it’s important to take the time to consider what coverage amount would be right for you and your situation.

Here are the maximum benefit amounts that you can apply for depending on your age at the time of applying:

  • 40 – 60 (Maximum $250k)
  • 61 – 70 (Maximum $200k)
  • 71 – 80 (Maximum $150k)

How much your life insurance will cost you depends on your individual circumstances. Here are some of the things that could affect the price of your coverage:

  • Your age at the time of applying
  • Your gender
  • Your smoker status
  • Your chosen benefit amount

With Canadian Seniors premiums can be little as $14.88 per month.3

One of the benefits of choosing Canadian Seniors Life Insurance is that there are no policy fees. As part of our commitment to excellent service, this applies throughout the duration of the policy. So, if in the future you need to make any changes there are no policy fees.

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  • Ontario
  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Northwest Territories
  • Nova Scotia
  • Nunavut
  • Prince Edward Island
  • Quebec
  • Saskatchewan
  • Yukon

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Free Info Pack

Have some more questions? Learn more about Canadian Seniors Life Insurance with our free information pack. It includes straightforward information and features of Seniors Choice.

The cost of no medical life insurance

We understand how important it is for your family to be protected. We also understand that you want quality coverage that won’t leave you out of pocket. With Seniors Choice, you could get permanent life insurance for as little as $14.88 per month3, depending on your age. Without the need for a medical, you can secure quality coverage by answering a few simple health and lifestyle questions.

How much your life insurance will cost you depends on your individual circumstances. Here are some of the things that could affect the price of your coverage:

  • Your age at the time of applying
  • Your gender
  • Your smoker status
  • Your chosen benefit amount

Not sure how much coverage to take out? Our life insurance calculator can help you quickly work out how much your family might need to keep life on track when you’re gone.

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Our claims process

Step 1 - Contact us

To start the claims process, simply call us or email claims@seniorschoice.ca. Our claims team is highly trained and handle claims with care and compassion.

Step 2 - Submit

We will send out a claim form to be completed, signed, and returned to us. The claim will then be reviewed as quickly as possible. If we need more information, the person making the claim might be contacted.

Step 3 - Payout

Once your claim is approved, we will pay the benefit amount to the person legally entitled to it.

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More reasons to choose Seniors Choice

Funeral costs and final expenses


Unexpected funeral costs and final expenses could put pressure on your loved ones financially. The right coverage can help to relieve this financial burden and provide some much needed support at a difficult time.


Future planning for your partner


Hopefully most of us will lead long and healthy lives but sadly they can often be cut short. A life insurance policy could offer you peace of mind that if you passed away, your partner could still afford to make the most of their retirement years, and have some financial stability into their later years.

Settle loans and debts


Whether you still have to pay off your mortgage, or you have other larger loans and debts, a life insurance policy could give you peace of mind that if the worst happened, your family wouldn’t shoulder the costs alone. 


Providing a cash gift


Leaving behind some money is a great way to leave your loved ones with a lasting positive memory. It could be used for something fun, or it could be there as an emergency fund for a rainy day. 

Choose life. Choose Seniors Choice

1

Based on the product distributor obtaining over 4,000 service reviews on multiple reviews platforms since 1 September 2021 from Canadian residents aged between 50 and 80 years old, which is more than any other provider who directly provides Life Insurance products without the support of a broker network and has been active in advertising on TV since 1 September 2021, excluding Quebec.

2

Available to Canadian residents aged 40-80 only. Not yet available in Quebec.

3

For a 51-year-old female non-smoker with $20,000 of coverage.

4

A medical professional has to diagnose the terminal illness, diagnosis is subject to the terms and conditions in your policy.

5

Excluding suicide in the first 2 years.