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Easy to arrange

No medical exam or added stress. Speak to our trusted advisors and set up your life insurance policy in minutes.

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Great value

Family Life Insurance with a lump sum benefit amount up to $1.5m and monthly premiums from as little as $9.66 per month1.

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Excellent service

We are Canada’s most trusted direct life insurance provider*. Enjoy a pressure-free service from our team of specialists.

What is no medical life insurance?

Managing a family can be both overwhelming and rewarding at the same time. We all know it’s easy to get caught up in the day-to-day. The last thing you might be thinking about right now is life insurance. After all, it can be difficult to think about how your family would manage things like living expenses after you are gone. At Cover Direct, we want to make getting life insurance as straightforward as possible.


Cover Direct Family Life Insurance is exclusive to us and available for Canadian residents aged 18 to 70.2 Depending on your age, you could get up to $1.5 million worth of coverage. Even better, our prices start from as little as $9.66 per month1 with no policy fees. We offer no medical life insurance, meaning that you can get a quote directly from one of our expert advisors over the phone. There are no complicated forms, medicals or blood tests to get approved - just a few health and lifestyle questions. This is a straightforward, easy-to-understand life insurance that can be purchased in just a few minutes.

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Service you can trust

As the most trusted direct life insurance provider in Canada*, we’re proud to say that we’ve been rated ‘Excellent’ on Trustpilot after thousands of independent reviews. We've also got excellent ratings on Google, REVIEWS.io and Feefo, where we’ve won the Gold Trusted Service Award.

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How to buy no medical life insurance

At Cover Direct Insurance Agency, we want to make securing life insurance as simple and straightforward as possible. That’s why when you’re applying for a Family Life Insurance policy, there is no medical and you won’t have to answer any invasive questions. We’ll just ask you a couple of simple health and lifestyle questions.


Depending on your age when you apply, you could get up to $1.5 million worth of coverage. Without the need for a medical, you can easily arrange your family life insurance policy over the phone in minutes. You won’t have to waste time searching around for a policy, our coverage is available exclusively through us. If you’d like a better idea of how much coverage you would like you can use our life insurance calculator.

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Why choose Cover Direct?

  • We are Canada’s most trusted direct life insurance provider*
  • Easy to apply – You can get coverage with a quick and easy process4
  • Exclusive to Cover Direct – Family Life Insurance is available exclusively from Cover Direct
  • No medicals or blood tests for approval – We only ask just a few health and lifestyle questions
  • Get up to $1.5 million of coverage depending on your age
  • Affordable coverage –  Our protection starts from as little as $9.66 per month1
  • Optional extra coverage – We offer Critical Illness Insurance and children’s coverage, so you can help prepare your family for whatever the future might hold
  • Terminal Illness coverage – If you’re diagnosed with a terminal illness, you’ll receive your full benefit amount upfront5 to help keep life on track
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How much does no medical life insurance cost?

Trying to balance the budget for a family can be a tough task, even at the best of times. It can sometimes be too easy to put off getting life insurance. After all, it’s not easy thinking about your own death. We are here to help you embrace your responsibility to your loved ones. We’ve designed our policies to be simple and straightforward, to help make it easy for you to secure life insurance. That’s why we don’t require a medical to get insured. You can complete everything over the phone in a matter of minutes.


Some of the common factors that can impact the cost of your Cover Direct Family Life Insurance policy include:

  • Your age at the time of applying
  • Your gender
  • Your smoker status
  • Your chosen benefit amount
  • Your response to health, lifestyle and occupational underwriting questions

With Cover Direct you’ll have the flexibility to apply to make changes at any stage during the policy, for no additional fees.

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Optional coverage 

Life is full of surprises and unfortunately, not all of them are good. If you would like greater peace of mind, we can discuss some of the optional extras with you. These optional extras will pay a tax-free lump sum amount to you, or your loved ones.

Children’s Coverage

  • Coverage of $30,000
  • Pays out for accidental death and a range of illnesses and accidental injuries. For full list of conditions please see our T&Cs
  • Minimum age at the start date of at least 1 and maximum age at start date of 17
  • Coverage ends when the insured child turns 21

Critical Illness Insurance

  • Coverage of $50,000
  • Pays out for a variety of illnesses such as Heart Attack, Cancer, Stroke and Coronary Artery Bypass grafts. For a definition of each condition please see our policy terms and conditions
  • Minimum age at the start date is 18 and maximum age at the start date is 60
  • Coverage ends when the life insured turns 70

Frequently asked questions

Read the most commonly asked questions about Cover Direct Family Life Insurance. 

No medical life insurance is a simple way to help provide some financial support for loved ones that depend on you. A life insurance policy allows you to leave behind a lump sum amount that could be used by your loved ones to pay tax bills, final expenses and other debts after you pass away. It could also be used as a gift. Depending on your age, you could apply for up to $1.5 million in coverage.

Learn more

Cover Direct Family Life Insurance is protection that helps to ensure your loved ones have some financial help in place if the worst were to happen, without the need for a medical. During the application process, which can be done over the phone, we’ll ask you a couple of health and lifestyle questions. From there you can decide what type of policy you would like.

There are two types of policy available: term life insurance and permanent life insurance. With a term life policy, the term lasts between 10 and 30 years depending on your age. If you die during the term, your legal beneficiary will receive a cash amount. With a permanent policy, you’ll be protected for life. That means that whenever it is you die, your loved ones will receive a cash amount. A member of our expert team will explain all the details over the phone.

Learn more

You are not covered for death as a result of suicide until 24 months after your policy has begun. The optional children's coverage and Critical Illness Insurance will only cover the specific types of death, injury or illness defined in the policy terms and conditions.

With a no medical life insurance policy like Cover Direct Family Life Insurance, you won’t have to provide us with the results of a medical exam to be approved for coverage. We will ask a few health and lifestyle questions during the application process and your acceptance for coverage will depend on the answers to these questions.

While you may have protection through your employer now, if you leave your job for any reason in the future your coverage may end, and you could be left without any protection. Because of this you might want to consider taking out your own life insurance policy. 

You will pay monthly premiums for the duration of your coverage. If you cancel your life insurance policy, you will no longer pay premiums. If you cancel your policy more than 30 days after the start date, you won’t get anything back. 

Want to talk?

At Cover Direct Insurance Agency we can get you a quote quickly and easily. You won’t have to wait around long; you can get coverage directly from us. Enter your details below to get the process started.

  • Ontario
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  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Northwest Territories
  • Nova Scotia
  • Nunavut
  • Prince Edward Island
  • Saskatchewan
  • Yukon
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Guides

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Free Info Pack

Find out more about Cover Direct Family Life Insurance in our FREE and easy to understand information pack. It includes important information and things to consider before you buy.

Our claims process

Step 1 - Contact us

To start the claims process, simply call us or email claims@coverdirect.ca. Our claims team are highly trained and handle claims with care and compassion.

Step 2 - Submit

We will send you a claim form to be completed, signed, and returned to us. The claim will then be reviewed as quickly as possible. We may need more information, in which case the person making the claim might be contacted.

Step 3 - Payout

Once your claim is approved, we will pay the benefit amount to the person legally entitled to it. 

More reasons to choose Cover Direct

  • Local experts – Our experienced call centre is based right here in Canada
  • Easy claims process – We aim to make the process as easy and straightforward as possible
  • Worldwide coverage – You get 24/7 protection, wherever you are
  • Immediate protection – Your coverage starts from day 1, so there’s no waiting period6
  • Flexibility – You can apply to make changes with excellent ongoing service and no policy fees!

Please refer to our T&Cs for more detail.

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The smart way to protect your family is to get Cover Direct

*

Based on ratings on multiple reviews platforms compared to direct competitors since 2022. See coverdirect.ca/reviews for more details.

1

For a 32-year-old female non-smoker with age-based premiums and $100,000 of coverage. 

2

Available to Canadian residents aged 18-70 only. Not yet available in Quebec. 

3

Subject to the standard terms and conditions in your policy. 

4

Policy coverage, limitations and exclusions are subject to the full Terms and Conditions. Not yet available in Quebec.

5

A medical professional has to diagnose the terminal illness.

6

Immediate protection starts from day 1 of your policy, excluding death as a result of suicide in the first 24 months. Waiting periods may apply to Optional children's coverage and critical illness coverage, as per the policy terms and conditions.