IWME Life

Life Insurance Without Medical Exam

A Life Insurance solution without medical exam that provides instant protection even if your clients are difficult to insure.

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Only 6 eligibility questions

IWME Life Insurance enables you to provide your clients instant coverage without the constraints of traditional underwriting. Boost client confidence with a simple and easy to use application.

View documentation

Target Market

People denied elsewhere
Individuals in need of immediate Life Insurance

Clients who are difficult to insure due to: risky occupations, extreme sports, criminal records, pending test, excessive drug and alcohol use, diabetes, HIV and more.

Target Market

People denied elsewhere
Individuals in need of immediate Life Insurance

Clients who are difficult to insure due to: risky occupations, extreme sports, criminal records, pending test, excessive drug and alcohol use, diabetes, HIV and more.

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

*For T10 and T20 Life insurance request over $300,000, height and weight question will be asked.

PROTECTION DETAILS

Main features

No medical exam
Issue age: 18 to 70
Available terms: T10, T20 or T100
Benefit amounts
- Term 10 or Term 20 years : minimum $5,000, maximum $300 000 or $500 000**
- Term 100 years : minimum $5 000, maximum $50 000*

Pre-existing clause of 12 or 24 months
Renewal guaranteed up to age 80 (T10 and T20)
Convert to T100 for T10 and T20 up to age 65

**The amount of combined Life Insurance coverage cannot exceed $300,000 for Bronze or $500,000 for Gold and Silver. Please refer to the policy specimen for all details.

Guides and documents

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