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Home > Canada Protection Plan > CPP No Medical Whole Life Insurance
Up to $150,000 WITHOUT any Medical Exams, Doctor’s Reports, Blood or Urine!

Advantages of Canada Protection Plan's Permanent Insurance Plans:

  • 100% tax-free in Canada
  • 10-day money-back guarantee
  • 30 days of grace for late premium payments
  • Issued by long-standing Canadian insurance companies
  • Rates among the best in Canada
  • Some policies give non-smoker rates to smokers for the first two years as an incentive to quit smoking
  • Many policies provide free Best Doctor service, which locates the best medical care in the world

No Medical Whole Life Insurance

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Permanent life insurance (also known as whole life insurance) remains in force for the entire policyholder's lifetime. The premium amount can be paid up over 20 years, until age 65, or to age 100.

Some plans offer a cash surrender option that allows you to cancel your policy after a number of years and receive a lump-sum tax-free payment. Most plans also have a reduced paid-up option that gives you the option of stopping your payments and reducing your coverage amount. As an added benefit, most of our permanent plans offer a "Best Doctors" service. If you are diagnosed with a critical illness, Best Doctors gives you information about the best medical treatments and experts in your region, country, and the world.

These no medical policies do not require you to take a medical exam. To complete the application process, you just need to answer some simple yes or no medical questions.

No Medical Acceptance Life

Acceptance Life was designed for hard-to-insure individuals who are between 40 and 80 years of age and have been declined insurance for any reason. Benefit amounts range from $5,000 to $50,000. Features include terminal illness and transportation benefits. (...more)

No Medical Deferred Life

Deferred Life was designed for the hard-to-insure and seniors. If death occurs in the first two years, premiums are returned plus 3% simple interest. Those in better health should purchase either the Simplified Life or Simplified Life Plus policy. It can be purchased by those 25 to 80 years of age. (...more)

No Medical Simplified Life

This plan was designed for people 25 to 80 years of age who may have health conditions, or do not want to take a medical exam or provide a doctor's report. Benefit amounts range from $1,000 to $50,000. Features include terminal illness and transportation benefit. (...more)

No Medical Simplified Life Plus

If you are a non-smoker between 25 and 80 years of age, and have been in good health for the past five years, you may be eligible to purchase this plan online today. Benefit amounts can be up to $75,000. Features include terminal illness and transportation benefits. (...more)

Click here for more information on Canada Protection Plan's insurance and other products designed to be Easy Issue or Guaranteed Issue.


Considering Life Insurance? (Canadian residents only) Besides offering the widest selection of travel insurance in Canada at the best possible rates, is also affiliated with DesLaurier Financial Services (our parent company) which extends the same philosophy to Life Insurance and other Insurance products including Critical Illness and Disability Insurance). Please take a look at some of the excellent rates we offer here:

Instant Life Insurance Quote

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