Guaranteed Issue Whole Life Insurance

Guaranteed Issue Whole Life Insurance

From application to policy delivery in 60 minutes or less*

electronic application login

Quick premium calculator


Guaranteed Issue Whole Life Insurance

Provide some relief for your clients who may have trouble getting insurance or who are in poorer health. They can get whole life insurance without a medical exam in 60 minutes or less. Acceptance is guaranteed.



  • Insurance amount of up to $50,000
  • Reduced paid-up coverage as of the 5th year
  • Waiting period of 2 years in the event of non-accidental death
  • No cash surrender value

Targeting clients

  • In poorer health or who’ve been declined for traditional whole life insurance
  • Aged between 18 and 80, but especially older clients who are more difficult to insure
  • Looking for simple basic lifetime coverage without additional benefits (i.e., to cover funeral expenses)
  • Preferring a remote purchasing method with no medical exam



Guaranteed Issue Whole Life

Target market

Canadians with medical or prior medical conditions, who are 18 to 80 years old.

Issue ages

18 to 80



Insurance amounts 

$10,000 to $50,000

As of age 71, the maximum amount is limited to $25,000.

Type of insurance amount


Rate bands

$10,000 - $50,000

Extreme disability benefit

Not included





Guaranteed cash value


Reduced paid-up protection

As of the 5th year

Waiting period

2 years, in case of non-accidental death

Policy fees

$50 (included in the premium calculation)

Advantages of simplified issue life insurance

Everything is faster


From application to policy delivery in 60 minutes or less*


No medical exam


Shorter delivery time = everyone is rewarded

100% electronic process


Secure non face-to-face platform


Electronic signature


Policy delivered electronically

Compare our simplified issue life insurance options

Find out more about Simplified Term Life Insurance and Simplified Whole Life Insurance.

Compare our options

A client with more time on their hands is a happy client. We look forward to helping you get there.

Try our products today.

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Learn more about the electronic application

Note: Policies can be delivered within the hour on weekdays between 5:30 a.m. and 11:30 p.m. and on weekends between 4:30 a.m. and midnight on Saturday, and between 7:00 a.m. and midnight on Sunday (Eastern time).

*For additional insurance applications submitted by an existing SSQ Insurance client, the policy delivery times may be longer.

The information on this page is provided for information purposes only. It is not intended to describe all the provisions, exclusions and limitations applicable to any particular benefit or insurance policy. For a complete description of the provisions, exclusions and limitations, please refer to the insurance contract.

Contact your representative