Insurance Without Medical Exam can protect your loved ones against serious financial difficulties. Life Insurance policies guarantee, upon your death, the lump sum payment of the sum insured, which can reach up to $300,000.


Term 10 or 20 years: minimum $5,000, maximum $300,000*.

Term 100: minimum $5,000, maximum $50,000*.


Term 10, 20 or 100 years: available for people between 18 and 70 years old inclusively.


Term 10, 20 or 100 years depending on the option chosen by the Policyholder.



Term 10 or 20 years: guaranteed until age 80.


Term 10 or 20 years: This policy has premiums that vary in 10- or 20-year periods depending on the option chosen by the Policyholder. The premium is guaranteed for the period chosen. At the end of 10 or 20 years, depending on the option chosen, the premium is adjusted to reflect the age the Policyholder, the initial risk class of the Policyholder and the premium rates in use at that date. This new premium is also guaranteed for another 10 or 20 years.

Term 100: The premium is guaranteed for the selected period. The premium is fixed and payable until the policy anniversary closest to the date the Policyholder reaches age 100. Thereafter, the coverage remains in force and the Insurer releases the Policyholder from the payment of any future premiums.


As designated by the Policyholder.


Pre-existing condition of 12 or 24 months apply (varies according to the policy purchased by the Policyholder).


Term 10 or 20 years: please refer to the sample policy document for full details.

Term 100: please refer to the sample policy document for full details.

*The amount of combined Life Insurance coverage cannot exceed $300,000. See the sample policy for more details.
For full details, please refer to the sample policy. In the event of any discrepancy between the policies and this document, the policies shall prevail.

For more information about regarding our Insurance Without Medical Exam, speak to your Broker (Financial Security Advisor), or send us your questions by email at info@humania.ca or else call us at 1-800-773-8404, Monday to Friday between 8 a.m. and 5 p.m. (Eastern time).

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.