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Humania Assurance

Life Insurance without Medical Exam

Humania Life Insurance Without Medical Exam (IWME) is designed for people who, for medical or other reasons, have had difficulty in obtaining life insurance.

To purchase: no medical exam required. You have to answer six simple eligibility questions to determine your eligibility.

If you are eligible, the cost of your insurance will depend on your answers to several questions about your health, and  you may qualify for Bronze, Silver or Gold level Insurance coverage depending on your health status.


Check Your Eligibility and Get an Instant Quote ONLINE



The LIFE INSURANCE policy guarantees the lump sum payment of the amount of coverage  to beneficiaries or the owner of the policy, if the insured dies.

Amount of Coverage
Minimum $5,000; Maximum $300,000

Age at the time of purchase
Available to persons 18 to 70 years old (inclusive)

Type of Contract
Term 10 or 20 years depending on the option chosen

Guaranteed renewable to age 80

This policy has premiums that change every 10 or 20 years, depending on the option selected by the policyowner. The premium guaranteed for the selected period. At the end of the 10 or 20-year period, depending on the option selected, the premium will be adjusted to reflect the insured's attained age, the insured's original risk class and the premium rates applicable at that date. The new premium will also be guaranteed for a further period of 10 or 20 years.


As designated in the policy

Pre-existing medical conditions

No benefit for life insurance will be payable during the 12 or 24 months (varies depending on the policy purchased) after the effective date of this policy if the death of the person insured results from a pre-existing condition. In such an event, the Insurerís liability will be limited to a refund of the premiums paid and this policy will terminate with no further value.

When the death of the person insured results from a pre-existing condition, and that death occurred more than 12 or 24 months (varies depending on the policy purchased) after the effective date of this policy, the Insurer will pay the life benefit shown in the policy.

Refund of Premium Rider (Optional)

After 20 years without claim, receive a premium refund of up to 75% of total premiums paid.

Exclusions and Restrictions

This policy has a row of exclusions and limitations. Please refer to the policy document for full details.


Get more  information, Policy document, check Your Eligibility and get a Quote ONLINE


If you have questions about this coverage or want to purchase a policy, please call at 1-877-443-0101, 416-493-0101  or,

 click here to ask your question online.


Other products from Humania Assurance

Critical Illness for Children: Get an Instant Quote

Life Insurance :  Get an Instant Quote


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Revised: August 02, 2022