A quick guide to Non medical life insurance in Ontario


Life insurance means securing life from leaps and bounds and unexpected things that takes place at sudden. Life insurance means not only one; there are different types of life insurances policies according to health, property, education etc. Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay designated a sum of money in exchange for a premium, death of policy holder and depending on contract other events such as terminal or critical illness can also access money. There are different types of policies one of them is Non medical life insurance in Ontario.

Let us know about Non medical life insurance in Ontario. It means a policy holder who cannot submit their medical history like reports of blood sugar, blood pressure etc. in application form. Actually the premium for these candidates is higher than other plans. There are two different policies in this type one of it is Simplified issue life insurance in these no medical exam is needed but there will be health questionnaire to be filled. The next category is Guarantee issue life insurance and in these no medical exam and health questionnaires but some critical terms and conditions will be there.

Requirements for Non medical life insurance in Ontario are like the candidate must have previously been turned down by insurers and have been long term smoker or over weight personality. These are the requirements to be filled by candidate in application form.

And the second one is Health and Dental Insurance Mississauga Ontario. It is also one of the life insurance policies in Ontario, the government could not pay for the medical expenses like prescription drugs, Dental visits, Eye exams, Paramedical services and Transportation by ambulance and it will be left to peoples part to overcome this Private Health and Dental Insurance plans are designed to cover not protected or inadequately covered by a group health plan these can reduce fees. Suggested plans are:

Single, couple or family coverage

Renewable coverage through to age 65

Protection of the entire family, covering health, dental and prescription drug benefits

Potential tax-deductibility if self employed.

Some of the additional sources are available in Health and dental Insurance Mississauga Ontario there several other sources to save on health insurance costs some of them are:

  • Group Insurance: Often one employer can offer another employer’s health insurance on behalf him.
  • Credit cards: credit cards are often used as a source of health insurance while travelling to abroad it covers only emergency medical expenses.
  • Dependent: one can be covered by their spouse’s group policy if included as a dependent there.

As mentioned above there are different type of life insurance policies are available in different aspects like education, health, property. In one word insurance means saving some of amount money on one thing it may be life, education or anything for safe side in future. Getting insured is good for the best and pleasant future. One can use these policies to meet the uncertainties of the life.

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