IWME Disability Debt

Disability Insurance with no Medical Exam to Cover Debts

A no-medical-exam disability debt insurance solution to protect your clients’ financial commitments, simply and quickly.

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Simplified & Guaranteed Issue

Main features

Simplified Issue
Gold, silver, bronze

Guaranteed Issue
Copper

Issue age

From 18 to 55 years old inclusively

Available terms

T10 or T20

Benefits offered

from $400 to $2,500 per month

from $400 to $1,250 per month

Renewal

Guaranteed until age 65

Rider (optional)

75% return of premium rider after 20 years with no claim

Beneficiary

The insured

Pre-existing condition clauses

12 or 24 months

N/A

Deferred period

N/A

No benefit during the 24 months period following the underwriting except in the event of an accident

Complete technical sheet

Consult

Target Market

Clients seeking high coverage quickly, without medical exam
Young families or homeowners (mortgage, income replacement)

Profiles with well-controlled medical conditions or exposure to specific risks (sports, occupation, travel)
A solution for complex profiles, where traditional options fall short

Target Market

Clients seeking high coverage quickly, without medical exam
Young families or homeowners (mortgage, income replacement)

Profiles with well-controlled medical conditions or exposure to specific risks (sports, occupation, travel)
A solution for complex profiles, where traditional options fall short

WHAT MAKES US STAND OUT

Highlights

Only 6 eligibility questions (online) for Simplified Issue
Issued instantly
No medical exam required
No questions about previous declines
No deferral period for Simplified Issue
No reduction in coverage based on insurability
No questions about height or weight*
No driving record or medical reports required
No questions about dangerous sports*
No questions about foreign travel*
No questions about type of occupation
Monthly credit card payment with no additional fees
Competitive commission
Covers Accident and Sickness (including mental health conditions)

*For life coverage amounts over $300,000, height and weight will be required. For amounts over $500,000, participation in high-risk sports and travel abroad will also be requested.