Fast coverage, with no medical exam
Some life insurance can be obtained with no blood test or exam — perfect if you want protection quickly or if your health complicates the usual process.
No medical exam: the essentials
No-exam life insurance relies on a simplified health questionnaire (or sometimes none). Issuance is faster, at the cost of a generally slightly higher premium for the same amount.
A licensed advisor determines whether you qualify for standard insurance (often cheaper) or whether no-exam is the best route for you.
What should you prepare before your request?
Identify what you want to protect, existing coverage and your timing. Questions adapt to the insurance category you choose. No documents are required in this questionnaire.
You can defer sensitive answers where that option is offered. Do not enter diagnoses, social insurance numbers or banking information.
Who provides the advice?
Clic Prime prepares the referral in Quebec, in French or English. The professional takes over to assess your situation. The questionnaire is not an offer, an approval or a personalized recommendation.
Check a professional in the AMF registers (French)Check the authorizations for the service you need. This link does not imply that the AMF endorses Clic Prime.
Why go through Clic Prime
Free and no obligation
Your request and the match cost you nothing. You are never obligated to move forward.
One single form
Answer once and we route your request to the right professional — no need to shop around one by one.
Licensed professionals
You are matched with advisors and brokers duly registered with the AMF.
Fast
A professional contacts you quickly to compare the options suited to your situation.
Frequently asked questions
Is it really with no health questions?
It depends on the product: some ask a few simplified questions, others none (guaranteed issue). An advisor points you to the right one.
Is it more expensive?
Often slightly, as the insurer takes on more uncertainty. If your health allows, standard insurance may be more advantageous — the advisor compares.
Ready to compare?
Answer a few questions and a licensed professional will contact you. Free and no obligation.
Other products
Clic Prime is a referral service. Clic Prime is not a registered firm and does not provide insurance, mortgage or investment advice or products. Your request is routed to professionals duly registered with the Autorité des marchés financiers (AMF) or the relevant regulators, who provide the advice and products appropriate to your situation.