New Guaranteed Issue

Guaranteed Issue Now Available from Humania – Life, Critical Illness & Disability Coverage for Everyone with the IWME Copper Plan. Learn more

Insurance Without Medical Exam

NEW IWME Copper Plan
Guaranteed Issue Insurance Now Available

Calculator Guides and Documents Broker Section

Home Advisor Centre Products and sales platforms IWME

Instantly issue 4 different types of coverage

IWME: The ideal solution for those difficult to insure cases

Do your clients have difficulty finding Life, Critical Illness or Disability Insurance for medical or lifestyle issues? Humania Assurance’s Insurance Without Medical Exam is the solution. No medical exam. Issued instantly.

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IWME Life

A Term and Permanent Life Insurance solution with no medical exam that provides instant coverage for your difficult to insure clients.

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IWME Critical Illness

Ideal for difficult to insure clients who are looking for Critical Illness coverage.

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IWME Disability Income

Offer your difficult to insure clients income replacement insurance regardless of their occupation.

IWME Disability Debt

Offer your difficult to insure clients a solution to cover their expenses in the event of a disability.

Guides and documents

To obtain more information about IWME from Humania Assurance, we invite you to download and consult the documents below:

The Life insurance T10-T20 sample policy – Simplified Issue

The Life insurance T10-T20 sample policy – Guaranteed Issue

The Life insurance T100 sample policy – Simplified Issue

The Life insurance T100 sample policy – Guaranteed Issue

The Critical Illness insurance sample policy – Simplified Issue

The Critical Illness insurance sample policy – Guaranteed Issue

The Disability Income insurance sample policy – Simplified Issue

The Disability Income insurance sample policy – Guaranteed Issue

The Disability Debt insurance sample policy – Simplified Issue

The Disability Debt insurance sample policy – Guaranteed Issue

Product Guide – Simplified Issue

Product Guide – Guaranteed Issue

IWME Life technical sheet – Simplified Issue

IWME Life technical sheet – Guaranteed Issue

IWME critical Illness technical sheet – Simplified Issue

IWME critical Illness technical sheet – Guaranteed Issue

IWME Disability Income technical sheet – Simplified Issue

IWME Disability Income technical sheet – Guaranteed Issue

IWME Disability Debt technical sheet – Simplified Issue

IWME Disability Debt technical sheet – Guaranteed Issue

The guarantee of refund of premiums after 20 years (optional)

Flyer – Insurance Without Medical Exam

Flyer – Insurance Without Medical Exam Credit concept

Non face-to-face sales document