No Medical Life Coverage
(for Healthy individuals)

Up to $250,000

 
  • NO MEDICAL REQUIRED!
  • Low Cost Easy Enrollment
  • Renewable without evidence every 10 years
  • Convertible to Permanent Insurance to age 65
  • Issue Ages 18-65
  • Coverage to age 75
  • Rates capped at 25% over 10 Years
  • $25,000 to $250,000 Coverage Available
  • Coverage based on age
  • Foresters Member Benefits:
    • Terminal Illness Benefit
    • Young Family Benefit
    • Competitive Scholarship Benefit
    • Critical Illness Benefit
    • Orphan Scholarship Benefit
You a re Automatically Accepted if you Answer "No" to Questions in Section #7 & 8 of the Application!** Immediate Coverage! No Medical Questionnaires!
Take the Self Test Below to See if You Qualify

If you answer "yes" to any questions below, you will not qualify for this benefit.

1. Has any application for insurance been rated, declined or modified in any way?

2. Have you had your driver’s license suspended or been convicted of 3 or more moving violations in the past 3 years?

3. In the past 3 years have you engaged in aviation activity other than as a passenger, or other hazardous sports or activities or do you intend to do so in the future?

4. Other than for colds, flu or annual physical examinations, have you consulted your usual medical advisor within the past 6 months?

5. Have you ever had, or been told you had, or received treatment or advice for:
  a) abnormal blood pressure, coronary artery disease, elevated cholesterol, chest pain, palpitations or any other disease or disorder of the heart, blood vessels or cardiovascular system?
b) epilepsy, seizures, brain disorder, stroke, transient ischemic attack (TIA), or any other disease or disorder of the nervous system?
c) anxiety, depression or any emotional, behavioural, mental or nervous disorder?
d) any disease or disorder of the stomach, intestines, liver or pancreas?
e) cancer, tumour or any other growth or malignancy?
f) diabetes; kidney, bladder or urinary disorder; prostate disorder; thyroid disorder; anemia, hepatitis or hepatitis-carrier state or any other blood or glandular disorder?
g) AIDS (Acquired Immune Deficiency Syndrome), positive HIV test, or any other immunological disorder?

6. Have you ever required hospitalization for any nose, throat, eyes, ears, lung or any other respiratory disorder?

7. Within the past 10 years have you used cocaine or other illegal drugs or received treatment or counseling for excess alcohol use or abuse or drug abuse?

8. Other than for minor ailments and surgery, have you in the past 5 years been under observation, had medical or surgical advice or treatment, had any abnormal medical test results or been hospitalized for any disease or disorder not mentioned above?

9. Have any of your first degree relatives (parents and siblings) had a history of heart disease, kidney disease, diabetes, cancer, stroke, Huntington’s Chorea, or any hereditary disease prior to reaching their age 60?

10. Have you resided in Canada for less than 12 months?

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