Life insurance is an important element of financial planning. A typical insurance policy requires you to go through the form submission process. One is ideally expected to submit a duly filled form and undergo numerous medical tests to qualify for Ontario life insurance policy. Those who fail to clear the medical tests are denied an insurance policy. Ironically, not many people out there are aware of the fact that they can avail an insurance policy without going through intensive medical tests. Such policies are found to be ideal for those individuals who don't want to go through a bunch of medical tests while shopping for an insurance policy. So, no medical life insurance policies do exist today. No medical life insurance is a unique concept that can help you procure a policy, without the need to go through cumbersome medical tests. However, you are required to meet certain conditions to avail this unique policy. What one should know over here is that no medical life insurance policy is not offered to individuals who are suffering from chronic ailments such as cancer, diabetes etc. Also, a person is required to attend all the questions pertaining to one's medical history. Needless to say, the insurance company would be interested in knowing whether you are on medication or not.