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IMC Financial Services - Montreal / Articles  / If you are someone who’s hard to insure, then our simplified issue life insurance is the solution for you

If you are someone who’s hard to insure, then our simplified issue life insurance is the solution for you

If you are someone who may be hard to insure because of medical history, or just don’t want to bother with the hassle that comes with applying for Life insurance typically nurse’s visits , blood and urine tests, than you should consider looking at some alternative options, namely simplified issue life insurance. This is a market that is growing exponentially as more Canadians age with health complications such as obesity, diabetes, heart issues , and cancer.

To qualify, one only needs to answer a series of questions which are all done online. There are no medical requirements , or doctors reports in order to approve insurability. It is a seamless process from start to finish including a policy that is delivered electronically. These insurance products are effectively disrupters which eliminate the long delays in procuring an insurance policy. it is not uncommon for traditional insurance policies to be issued months after the application date particularly if there is a medical history on the file. Unfortunately,the life insurance industry is still very dependent on Doctors report and archived medical information to assess and scrutinize a file. This new application process bypasses the tedious old fashioned way of doing business. You can call it a revolution of sorts in the life insurance industry.

With these new types of guaranteed policies, we are able to save clients time and money. Going through the full underwriting process for difficult to insure clients often results in delays, and higher premiums than a simplified guaranteed issue product.

See for yourself. Next time when you are in the market for life or critical illness insurance, whether you may be difficult to insure or not, this could be an ideal solution. Remember it is fast quick and easy to get approval, and no nurses will show up at your door asking endless questions , taking blood or urine samples.

 

Let us help you get the insurance you need at a price you can afford.

 

For more information visit our critical illness insurance section of our website.