With no need for a medical check-up or blood test, this type of insurance is for people who, for medical or other reasons, have difficulty obtaining a life insurance contract. Guaranteed and simplified, this type of life insurance is the simplest solution available!

Usually, a simple three-question form must filled out depending the financial institution. Be adivsed that if the insured dies during the first 2 years of the insurance policy, the premiums and interest would be refunded depending on the financial institutions.

Even if your financial institution has refused to insure you, you should not give up. Each life insurance company works with its own risk evaluators and another company’s decision may be different. Experience has shown many times over that some companies are stricter than others. Do not rely on one answer… Talk to us! We can provide you with the facts.