IWME Critical Illness

Critical illness insurance without a medical exam

Help your difficult to insure clients get approved for Critical Illness Insurance.

A fast and easy process

IWME Critical Illness Insurance gives your difficult to insure clients options when they are declined by other insurers.

Target Market

  • Declined Elsewhere: For your clients who have been declined by other insurance companies due to health or other reasons.
  • Need for hassle-free coverage: For individuals who need disability insurance without going through long and complex medical exams.
  • Available to adults aged 18 to 55 inclusive: Providing an affordable solution for a wide range of individuals.
  • Difficult-to-insure clients: Due to risky professions, extreme sports, criminal records, deferred clients awaiting tests, excessive drug and alcohol use, overweight, diabetes, HIV, or other.
Mains d'une infirmière qui prend la main d'un patient alité
Mains d'une infirmière qui prend la main d'un patient alité


  • Only 6 eligibility questions (online)
  • Issued instantly
  • No medical exam required
  • Simple online application and signing process
  • No questions about previous declines
  • No deferral period
  • 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
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Main features

  • Issue age: 18 to 55 inclusive
  • Benefit amounts from $5,000 to $100,000
  • Guaranteed premium for the chosen period
  • Pre-existing clause for 12 or 24 months depending on health questionnaire
  • 75% Return of Premium rider after 20 years with no claim
  • Garanteed renewal until age 65
  • 4 covered illnesses: stroke, cancer, coronary artery bypass, and heart attack (myocardial infarction)

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