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IA Excellence's Excel-Life, a guaranteed issue life insurance, is a life insurance product for which enrolment is fully guaranteed and includes coverage against accidental death and dismemberment.

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Guaranteed Issue Life Insurance

Who should consider guaranteed issue life insurance?
This product is intended for:

  • people with certain health problems who represent a higher risk for the Insurer. Because they’re not eligible for all the coverages of a conventional life insurance policy, Excel-Life guaranteed issue life insurance is a first-rate option for them
  • people who would like to avoid undergoing medical examinations that can be demanding

Main Features

  • Eligibility between ages 1 and 80
  • Sum insured may range from $2,000 to $20,000
  • Streamlined issue (meet medical conditions)
  • Accidental death and dismemberment coverage is included at no extra cost
  • Benefits up to 20% of the sum insured
  • Guaranteed renewal

Click here for more information on IA Excellence's Excel-Life 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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