Coverage issued without bloodwork or a medical visit, often with a simplified questionnaire or no health questions at all. Access is faster, the premium higher, and coverage sometimes deferred. A representative registered with the AMF explains the contract before you subscribe.
What “no medical exam” covers
Two families of contract hide behind the phrase: simplified issue, with a few health questions, and guaranteed issue, with none. Conditions, available amounts, and prices are not remotely the same.
The waiting period
Many guaranteed-issue contracts do not pay the full amount if death occurs in the first two years, except by accident. They generally refund premiums instead. It is the most important clause in the contract.
Why the premium is higher
The insurer accepts a risk it has not measured. It protects itself through price, a lower coverage ceiling, and the waiting period. For someone in good health, a regular contract is almost always cheaper.
Who it actually suits
Someone whose health would make pricing difficult or refusal likely, or who needs coverage quickly. It is not a shortcut to choose out of convenience when a regular contract is available.
Before subscribing
Check the coverage ceiling, the waiting period, what happens after a certain age, and whether the contract is convertible. A representative goes through those four points with you and says which should give you pause.
What happens after you submit
Your request goes only to the authorized life and health insurance team. A representative calls you back. Do not enter medical information in the public form.
Frequently asked questions
Can I be refused for this type of contract?
A guaranteed-issue contract has no health questions, so no refusal on that basis. A simplified-issue contract has a few and can lead to a refusal.
What if I die during the waiting period?
Most contracts then refund the premiums paid, sometimes with interest, rather than the insured amount, unless the death is accidental. The exact clause varies by contract.
Is the insured amount limited?
Yes, generally to a ceiling well below a regular contract’s. The representative tells you the ceilings actually available.
Should I declare medical information here?
No, and you must not. The public form requests no medical information.
Am I obliged to accept an option?
No. You are under no obligation, and you remain free not to proceed.