Simple and instant custom coverage by Humania Assurance – Insurance Without Medical Exam enables hard-to-insure people to honour their financial commitments and maintain their lifestyle without depleting their savings. In the event of death, this form of life insurance enables policyholders to cover their loans, thus freeing their loved ones from financial burdens.

With our “without medical exam” coverage, you could be insured in less than ten minutes by answering only six eligibility questions.



Coverage from $5,000 to $300,000
10- or 20-year coverage
Guaranteed renewal until age 80


Coverage from $5,000 to $100,000
10- or 20-year coverage
Four illnesses covered
Guaranteed renewal until age 65
Return of premiums upon death benefit included
Premium Refund Rider available after 20 years (75%)



Coverage from $400 to $2,500/month for 12 or 24 months
10- or 20-year coverage
Retroactive benefit included
Guaranteed renewal until age 65
Premium Refund Rider available after 20 years (75%)

Loans Covered

  • House or condominium (mortgage loans or home equity lines of credit, including school and property taxes)
  • Rent
  • Vehicle loans or leases (cars, boats, motorcycles or other recreational vehicles)
  • Credit cards, lines of credit, leverage loans

The solution that covers whatever life throws at you

  • Debt insurance provides you with a full disability benefit, even if you also qualify for group insurance or government benefits.
  • Critical illness insurance guarantees you a lump-sum benefit to help you focus on getting better without depleting your savings. You can use this benefit to replace your income or that of a family member, or to cover the cost of private health care.
  • Life insurance relieves your loved ones of your debts in the event of your untimely death.

No benefit for life insurance is payable during the 12 or 24-month period following the effective date of this coverage if death results from a pre-existing condition. In such instances, the Insurer’s liability shall be limited to a refund of the premiums paid and the policy will terminate with no further value.

A pre-existing condition is an injury, a sickness or a condition that manifests during the 12 or 24 months prior to the effective date of the policy. For a complete definition, please refer to the specimen policy document.