IWME Disability Debt

Disability Debt Insurance Without Medical Exam

The Creditor Insurance solution for your difficult to insure clients

Only 6 eligibility questions

Discover IWME Disabilty Debt to cover your difficult to insure clients’ expenses while they are disabled.

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.


  • Only 6 eligibility questions (online)
  • Issued instantly
  • No medical exam required
  • 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
  • Covers Accident and Sickness (including mental health conditions)

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Protection details

Main features

  • Issue age: 18 to 55 inclusive
  • Benefit amounts from $400 to $2,500 per month*
  • Available terms: T10 and T20
  • 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
*Combined maximum of $5,000 for IWME Debt and Income Disability coverage.
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Guides and documents

For more information on IWME Disability Debt from Humania Assurance, please download and review the documents below:

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