IWME Life

Insurance Without Medical Exam

Two Key Updates: Up to $1M in Coverage and Increased T100 Limits to Better Protect Your Clients

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Simplified & Guaranteed Issue

Main features

Simplified Issue
Gold, silver, bronze

Guaranteed Issue
Copper

Issue age

T10, T20: From 18 to 70 years inclusive
T100: From 18 to 80 years inclusive

Available terms

T10, T20 or T100

Benefits offered

T10, T20 or T100Gold: $5,000 to $1,000,000* -New amountSilver: $5,000 to $500,000Bronze: $5,000 to $300,000

T10 or T20: $5,000 to $100,000T100 from age 18 to 70: $5,000 to $100,000T100 from age 71 to 80: $5,000 to $50,000

Renewal

Term 10 or 20 years: guaranteed renewal until age 80

Premium

Guaranteed premium for the chosen period

Beneficiary

As designated by the policyholder.

Pre-existing condition clauses

12 or 24 months

N/A

Deferred period

N/A

No benefit during the 24 months period following the underwriting except in the event of an accident

Conversion privilege

For a maximum amount equal to the initial coverage - New

For a maximum amount equal to the initial coverage

Complete technical sheet

Consult

*Amounts over $500,000 are available for clients age 50 and under only.
Disclaimer: Combined coverage amounts, eligible ages, and conditions vary by product. See the product sheet for full details.

TWO NEW ENHANCEMENTS

Up to $1M in Coverage and Increased T100 Limits to Better Protect Your Clients

IWME Life now helps you go further in meeting your clients’ protection needs. For eligible clients age 50 and under, you can offer up to $1 million in coverage with no medical exam required. T100 limits have also been increased, giving you more flexibility based on each client’s profile and needs.

This streamlined process delivers easy to access solutions for family coverage, mortgage protection, and income replacement needs.

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Target Market

Clients seeking high coverage quickly, without medical exam
Young families or homeowners (mortgage, income replacement)

Profiles with well-controlled medical conditions or specific risk factors (sports, occupation, travel)
A solution for complex profiles, where traditional options fall short

Target Market

Clients seeking high coverage quickly, without medical exam
Young families or homeowners (mortgage, income replacement)

Profiles with well-controlled medical conditions or specific risk factors (sports, occupation, travel)
A solution for complex profiles, where traditional options fall short

WHAT MAKES US STAND OUT

Highlights

Only 6 eligibility questions (online) for Simplified Issue
Issued instantly
No medical exam required
Up to $1,000,000 in coverage with no medical exam (age 50 and under, subject to eligibility)
No questions about previous declines
No deferral period for Simplified Issue
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 coverage amounts over $300,000, height and weight will be required. For amounts over $500,000, participation in high-risk sports and travel abroad will also be requested.