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IWME Income Insurance

Disability Income Insurance Without Medical Exam

The income replacement solution for your difficult to insure clients.

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Home Advisor Centre Products and sales platforms IWME IWME Disability Income

Home Advisor Centre Products and sales platforms IWME IWME Disability Income

Only 6 eligibility questions

Discover IWME Disabilty Income to cover your difficult to insure clients’ earnings while they are disabled.

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Target Market

Declined Elsewhere: For your clients who have been declined by other insurance companies due to health or other reasons.
Need for hassle-free coverage: For individuals who need disability insurance without going through long and complex medical exams.

Available to adults aged 18 to 55 inclusive: Providing an affordable solution for a wide range of individuals.
Difficult-to-insure clients: Due to risky professions, extreme sports, criminal records, deferred clients awaiting tests, excessive drug and alcohol use, overweight, diabetes, HIV, or other.

Target Market

Declined Elsewhere: For your clients who have been declined by other insurance companies due to health or other reasons.
Need for hassle-free coverage: For individuals who need disability insurance without going through long and complex medical exams.

Available to adults aged 18 to 55 inclusive: Providing an affordable solution for a wide range of individuals.
Difficult-to-insure clients: Due to risky professions, extreme sports, criminal records, deferred clients awaiting tests, excessive drug and alcohol use, overweight, diabetes, HIV, or other.

WHAT MAKES US STAND OUT

Highlights

Only 6 eligibility questions (online)
Issued instantly
No medical exam required
No questions about previous declines
No deferral period
No reduction in coverage based on insurability
No questions about height or weight
No driving record or medical reports required
No questions about dangerous sports
No questions about foreign travel
No questions about type of occupation
Monthly credit card payment with no additional fees
Competitive commission

Protection details

Main features

Issue age: 18 to 55 inclusive
Benefit amounts from $400 to $2,500 per month*
Available terms: T10 and T20
Pre-existing clause for 12 or 24 months depending on health questionnaire
75% Return of Premium rider after 20 years with no claim
Garanteed renewal until age 65

*Combined maximum of $5,000 for IWME Debt and Income Disability coverage.

Guides and documents

For more information on IWME Disability Income from Humania Assurance, please download and review the documents below: