Raystarlink, is there the possibility of buying life insurance through a group like CAA / AAA or AARP in Canada? Or if you are employed, does your employer offer group life insurance that you can buy into? I've found that group policies with no medical questions or exams are the best way to go. Otherwise, if you buy an individual policy, you will likely be subject to individual underwriting with medical questionnaire and/or medical exam. However, there some small policies that you might be able to buy with no questions asked, but they will be small and issued by lower rated insurance carriers.