I cannot get Life Insurance or Critical Illness Coverage! But WAIT, I may Have Some Solutions for You.


Bill’s BLOG | July 6, 2023

Have you ever been declined Life Insurance or Critical Illness Insurance and thought you were uninsurable? Maybe you know someone who has. Not having insurance can be heartbreaking as you have many valid needs, and it can solve many problems. 

The majority of Canadians do not have sufficient savings in the event of a severe health crisis. Cancer is the number one critical illness insurance claim, making up 70% of claims. Second, most people do not want to leave a financial mess to family members when they die. Life insurance is the most affordable way to meet many of the high costs that result from death (taxes, debts, funeral/cremation costs, and leaving a legacy). So, let me share some surprising options with those who think they are uninsurable.

Let’s start with Critical Illness Insurance:

Look no further; we have a simplified approach to offering Critical Illness!

  • We cover 23 Critical Illnesses (including Cancer Recurrence)
  • We automatically increase benefits – every five years, the benefit amount will increase by 5% of the original benefit amount up to a maximum of 25% – at no additional cost!
  • We have a second event benefit – we are not a “one and done” policy! 

We feel our plan is ideal for any client, but it solves the issue where a client has been declined.

  • Declined For any reason – now can purchase up to $50,000 – no questions
  • Declined for Family History but is in Good Health – now can purchase up to $100,000

Clients who don’t have enough Traditional CI but whose health has changed:

  • Can purchase up to $50,000 – no questions

Clients who have received payment under a Traditional CI plan:

  • Can purchase up to $50,000 – no questions

Applications are usually approved within 1 to 2 business days.

Let’s say you have had a problem in the past getting Life Insurance. I can help you get life insurance in BC in almost all cases.  

  • I will need about 30 to 40 minutes of your time to process an online application (non Face to Face). There are 33 questions, and the further we get down the application with NO’S, the more options are available to you.
  • Guaranteed Acceptance Life Maximum of $25,000 if you answer YES in the first 12 questions.
  • No medicals or nurses visiting you to get approval.
  • Leniant on cigar/marijuana use and generous weight limits.
  • Six different Life plans – ensure we have the right plan for each client’s insurance needs. 
  • Term and Permanent insurance options are available.
  • Many of our plans offer immediate protection.
  • Up to $1,000,000 in permanent life insurance protection is available depending on the age and plan your client qualifies for.
  • Competitive rates.
  • Age 18 to 80 years old various plans are available.

If you want Life or Critical Illness coverage, don’t hesitate to contact me for a free consultation and a simple application process.

All the best in 2023,

Bill Westmacott, Owner, Life Insurance Broker and Financial Educator.

Financial Education & Honest Solutions Create Success

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