Quick FAQ

Yes. Many policies don’t require a medical exam, and you may still qualify for standard rates even with conditions like cancer, diabetes (with insulin), heart issues, or mental illness.

Not always. We work with insurers offering no-medical options, especially for simplified or guaranteed issue plans.

Some plans start within 1–14 days depending on your file. If a medical is required, approval can take a few weeks to a few months.

Yes. If you’re a resident or on a work/study permit, we can usually get you covered - even without a long credit history or permanent status.

At Malkiels, we offer solutions for applicants up to age 85.