{"id":31942,"date":"2025-10-31T15:52:33","date_gmt":"2025-10-31T19:52:33","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=31942"},"modified":"2026-02-03T15:59:51","modified_gmt":"2026-02-03T20:59:51","slug":"understanding-affordable-life-insurance-no-medical-exam","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/understanding-affordable-life-insurance-no-medical-exam","title":{"rendered":"Understanding Affordable Life Insurance with No Medical Exam"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Understanding Affordable Life Insurance with No Medical Exam<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2025-10-31T15:52:33-04:00\">October 31, 2025<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Mark Gronowski \">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Mark Gronowski <\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/no-medical-exam-article.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Life Insurance no medical exam\" style=\"object-fit:cover;\" 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class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Understanding Affordable Life Insurance with No Medical Exam &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/understanding-affordable-life-insurance-no-medical-exam\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/understanding-affordable-life-insurance-no-medical-exam\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is life insurance with no medical exam?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-life-insurance-with-no-medical-exam\">What is life insurance with no medical exam?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-types-of-life-insurance-with-no-medical-exam\">Types of life insurance with no medical exam<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-who-should-consider-no-medical-exam-life-insurance\">Who should consider no medical exam life insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-pros-and-cons-of-life-insurance-with-no-medical-exam\">Pros and cons of life insurance with no medical exam<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-common-myths-about-no-medical-exam-life-insurance\">Common myths about no medical exam life insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-protect-yourself-with-life-insurance-without-a-medical-exam\">Protect yourself with life insurance without a medical exam<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Some Canadians worry that pre-existing health conditions could disqualify them from life insurance coverage. Undergoing medical tests, age or health constraints, or a high-risk job could make securing affordable life insurance a challenge.<\/p>\n\n\n\n<p>However, no medical exam life insurance could be the answer.&nbsp;<\/p>\n\n\n\n<p>Life insurance offers peace of mind, as it helps take care of loved ones financially after you pass on, with benefits that aren\u2019t taxable for recipients. A no medical exam life insurance policy can be used to plan for funeral expenses or help provide for your family, should something happen to you.<\/p>\n\n\n\n<p>In this article, we will explore the common questions, myths and everything else Canadians need to know about no medical exam life insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-messages\">Key messages<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>No medical exam life insurance is designed for individuals who may not qualify for traditional life insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>This type of insurance offers a streamlined application process without the need for medical exams or health questionnaire.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>While no medical exam life insurance offers convenience and accessibility, it typically comes with higher premiums and lower coverage limits compared to traditional policies.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Types of life insurance products available with no medical exam include simplified term life insurance and guaranteed acceptance life insurance.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-life-insurance-with-no-medical-exam\">What is life insurance with no medical exam?<\/h2>\n\n\n\n<p>Life insurance with no medical exam is a policy that offers coverage to leave a financial lump sum after your passing without a deep dive into your health and lifestyle or medical testing. The application process is usually more streamlined than with more standard life insurance.<\/p>\n\n\n\n<p>Medical and laboratory tests are a normal step insurers take to assess the overall risk of covering new clients with standard life insurance policies. Because insurers get a detailed risk profile, individuals in good overall health with fewer risk factors may be eligible for more coverage.<\/p>\n\n\n\n<p>The key differences between life insurance policies with and without medical exams are monetary. No medical exam policies typically have lower coverage amounts and higher premiums than standard life insurance. This reduces risk for insurers, as they have less information about the health and risk levels of clients selecting these policies.<\/p>\n\n\n\n<p>No medical exam life insurance policies are designed for individuals who:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Have anxiety around needles or medical testing<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Have certain pre-existing medical conditions, such as heart disease<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Are 50 years of age and older<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Have high-risk hobbies like motorsports, rock climbing, or scuba diving<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-life-insurance-with-no-medical-exam\">Types of life insurance with no medical exam<\/h2>\n\n\n\n<p>There are two main types of life insurance are available without medical exams: simplified issue life insurance and guaranteed life insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Simplified issue life insurance<\/h3>\n\n\n\n<p>Simplified issue life insurance is \u201csimple\u201d because of a streamlined approval process that doesn\u2019t always require a medical exam. Instead, when applying for simplified issue life insurance online, clients fill out a questionnaire that includes health and lifestyle questions about:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Current or past health issues, including preexisting medical conditions<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Family history<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Prescription medications taken<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Smoking habits<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Depending on the responses and the amount of coverage selected, clients seeking simplified issue life insurance may receive coverage at the time of application \u2013 all with no medical exam.<\/p>\n\n\n\n<p>RBC&nbsp;<em>Simplified\u00ae<\/em>&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-31942-866e8e0b\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"term life insurance\" class=\"rbc-link-format\">term life insurance<\/a> is designed to offer affordable protection for Canadians, with coverage ranging from $50,000 to $1 million, depending on your age.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Guaranteed acceptance life insurance<\/h3>\n\n\n\n<p>No medical exam life insurance policies which accept all eligible clients is known as <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/guaranteed-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-31942-fae623c9\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"guaranteed acceptance life insurance\" class=\"rbc-link-format\">guaranteed acceptance life insurance<\/a>. In addition to no medical exam, clients typically won\u2019t have to answer detailed health and lifestyle questionnaires but will have to disclose their smoking habits. Provided that age and residency criteria are met, policies can be approved quickly.<\/p>\n\n\n\n<p>RBC\u2019s Guaranteed acceptance life insurance offers up to $40,000 of guaranteed coverage for Canadians aged 40 to 75. Interested to learn more? <a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/guaranteed-acceptance-life-insurance-quote\/index.html\" data-dig-id=\"LP-LifeInsurance-31942-eda065e9\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Get a quote online\" class=\"rbc-link-format\">Get a quote online<\/a>.<\/p>\n\n\n\n<p>This type of insurance product can be a benefit for people who are underserved by traditional policies, as it includes:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Lifetime coverage<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No medical exam<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Tax-free benefit<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Stable premiums<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-consider-no-medical-exam-life-insurance\">Who should consider no medical exam life insurance<\/h2>\n\n\n\n<p>No medical exam life insurance is a good choice for people underserved by standard life insurance policies. This includes customers aged 50 and over, people with preexisting health concerns such as cancer, heart disease, and those who are uncomfortable with medical testing processes.<\/p>\n\n\n\n<p>Life insurance policies without medical tests can also be good choices for clients looking for a simple application process with low wait times for coverage to begin.<\/p>\n\n\n\n<p>Canadians who apply for no medical exam life insurance also include people who work in careers with high risks of injuries or fatalities, and others with potentially dangerous hobbies like extreme sports. While these groups may be rejected for traditional coverage, they can still find a no medical exam life insurance option that will provide them with coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-life-insurance-with-no-medical-exam\">Pros and cons of life insurance with no medical exam<\/h2>\n\n\n\n<p>Choosing one life insurance policy over another requires weighing different options to decide what\u2019s right for you. Benefit amount, budget, coverage length and whether coverage is guaranteed can factor into deciding if a policy is a good fit.<\/p>\n\n\n\n<p>Here are some pros and cons to consider when applying for no medical exam life insurance in Canada:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pros of life insurance with no medical exam<\/h3>\n\n\n\n<p><strong>Accessibility: <\/strong>People who might normally be denied standard life insurance coverage, including the uninsured and underinsured, can access life insurance coverage through no medical exam policies. Guaranteed acceptance policies are open to all who meet age and residency requirements, even if they have health issues like pre-existing conditions or risky careers or hobbies.<\/p>\n\n\n\n<p><strong>Convenience: <\/strong>Applying for a no medical life insurance policy online is simple\u2014no appointments necessary and no scheduling a medical exam. Some policies, such as guaranteed life insurance, may be approved quickly with no medical exam required.<\/p>\n\n\n\n<p><strong>Peace of mind:<\/strong> Knowing that you are insured can bring peace of mind to you and your loved ones.<\/p>\n\n\n\n<p><strong>Speed:<\/strong> While traditional policy approval could take up time with meeting an advisor, medical appointments, and lab tests, applying for life insurance with no medical exam can be done in minutes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cons of life insurance with no medical exam<\/h3>\n\n\n\n<p><strong>Premiums may be higher:<\/strong> While no medical exam life insurance generally costs more than medically underwritten policies, skipping medical tests and faster approval can still make them more convenient for some people.<\/p>\n\n\n\n<p><strong>Lower coverage limits: <\/strong>Compared to standard policies, no medical exam required life insurance offers more limited benefit packages. Guaranteed life offers coverage of up to $40,000, while more traditional life insurance products can cover Canadians for up to $25 million.<\/p>\n\n\n\n<p><strong>Limited options:<\/strong> Traditional policies with a medical exam might offer better value to younger, healthier individuals who are looking for comprehensive, long-term coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-myths-about-no-medical-exam-life-insurance\">Common myths about no medical exam life insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-it-s-only-for-people-with-health-issues\">1. It\u2019s only for people with health issues<\/h3>\n\n\n\n<p>No medical exam life insurance is designed for people who want a simple application process. While this includes people with health issues or preexisting conditions, it also includes those who have high-risk jobs or hobbies and others who want the convenience of getting faster online approval for their policy, instead of waiting up to several weeks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-it-s-more-expensive-than-traditional-policies\">2. It\u2019s more expensive than traditional policies<\/h3>\n\n\n\n<p>No medical exam life insurance policies generally have higher premiums than standard coverage, but it is still possible to find no medical exam life insurance\u2014even on a budget. Premiums could vary depending on an applicant\u2019s age, health, along with the amount and length of coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-it-offers-limited-coverage-options\">3. It offers limited coverage options<\/h3>\n\n\n\n<p>Though no medical exam life insurance is simple to apply for and has comparatively fewer options than standard life insurance policies, you can still select from multiple terms and benefit packages. Policy amounts can vary from a few thousand dollars up to $1 million, allowing clients to pick a product that works with their budget and unique needs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-it-s-less-reliable-than-traditional-life-insurance\">4. It\u2019s less reliable than traditional life insurance<\/h3>\n\n\n\n<p>No medical exam life insurance policies are as reliable as any standard life insurance policy. However, like any insurance product, it is important people understand the terms and conditions and any exclusions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-protect-yourself-with-life-insurance-without-a-medical-exam\">Protect yourself with life insurance without a medical exam<\/h2>\n\n\n\n<p>If you expected that life insurance coverage was too complicated to apply for, or wasn\u2019t available because of your age, health history, or lifestyle, think again. Whether you have a pre-existing health condition, participate in high-risk hobbies, or prefer to avoid dealing with health providers, medical exam life insurance could be the key to affordable coverage and peace of mind.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance with no medical exam is an easy and affordable way to protect yourself and your loved ones. <\/p>\n","protected":false},"author":208,"featured_media":31941,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[4],"article-type":[80],"ppma_author":[169],"class_list":["post-31942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-life-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium 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