Connect with us


Why Do You Need No Exam Life Insurance?



When you buy life insurance, you purchase a guarantee that in case of an illness, accident, or other harmful event indicated in the document, you will receive the appropriate help and reimbursement for the treatment. The budgets and the list of services that are provided in case of damage to your life are always set by the company and, in most cases, depending upon the condition of your health. Hence, if you are young and healthy, you have nothing to worry about: any insurance provider will be lucky to cooperate with you. In this case, traditional life insurance suits you the best. The company will go through your medical records, learn the history of your illnesses, and after you undergo a full medical examination, the insurance provider will give you the premium.

Since most life insurance companies require their clients to go through a medical exam, you may have trouble if your health condition is weak or you have a bad medical history. That is why traditional life insurance is far from suitable for everyone. If you are in a poor health condition, such policies may be extremely costly. But this is not the only option. Today there are many alternatives to traditional health insurance, for instance, life insurance without an exam. Let’s dive deeper to weigh all benefits and pitfalls.

Exam-Free Insurance

Most life insurance companies require a physical examination of their potential clients before providing them with insurance policies. The aim of an exam is to help the insurance provider to accurately assess all risks associated with the client’s health and establish their remuneration rate. In case there are severe problems with your health, you may be afraid that life insurance is prohibited for you. However, there is a simple way out no-exam life insurance.

You can choose between two types of life insurance available with no physical examination: simplified or guaranteed. Understanding what they both offer and the differences between is the essential thing in making an informed decision about which policies will work best for your needs.

Simplified-Issue Policy

If you choose a simplified-issue policy, note it will require your answers to a detailed questionnaire of your medical history and your family. Naturally, the company may request your medical materials and all records of previous illnesses. The bright side is that you don’t have to undergo an actual physical examination. You only need to fill in a questionnaire.

Guaranteed-Issue Policy

If you are not eligible for traditional or simplified options, either because of pre-existing illnesses or premiums not available to you, there are still good alternatives to choose from. One of those is a guaranteed life insurance policy.

This type of life insurance doesn’t require the undergoing of a medical examination. The Guaranteed Release Policy only entails answering several questions about your previous illnesses and current health status.

Who Needs a No-Exam Life Insurance?

So, how to make sure that a no-exam life insurance policy is the right option for you? Medical exam life insurance may not be an option for people interested in insurance but who are concerned that they are inadequate due to their age, health, or other concerns.

You may want to consider an insurance policy without a medical examination if:

  • Due to your current health condition, you will not be approved based on the policy that requires an exam.
  • Policies that require an exam have higher premiums for people with poor health.
  • You need a life insurance policy right away, and you would rather not wait for a medical examination.
  • You are elderly but would like to offer financial assurance to your family.

There is a possibility to supplement riders to simplified issuance or guaranteed release policy, such as an accidental death benefit, or waiver of disability premium in case your health worsens with time to the condition that you won’t be able to work or pay your premiums.

A life insurance policy without a medical clearance can also be used to cover final costs if you cannot get other life insurance and desire to avoid overwhelming your family with funeral and expenses associated with it.

Final Word

Life insurance provides the most valuable thing you have: life, health, the ability to earn money, a confident future. This is an instrument of financial protection that guarantees long-term material support to you and your loved ones making it possible to protect yourself from the consequences of an accident, avoid financial troubles and maintain a decent standard of living for your family in the event of an accident.

With the help of life insurance, you can create a financial reserve for retirement, accumulate capital to achieve various goals. It guarantees the receipt of funds regardless of the assistance provided under the government reimbursements and/or social insurance system. And if you have pre-existing health conditions or there is an immediate need to get the insurance, no exam life insurance can provide you with suitable policies.

Surrey604 is an online magazine and media outlet based in Surrey, BC. Through writing, video, photography, and social media, we secure an intimate reach to the public. We promote local events and causes.

Continue Reading
Click to comment

You must be logged in to post a comment Login

Leave a Reply


$10M mark surpassed by Surrey Makes PPE manufacturers



Since launching in late April, Surrey Makes PPE program has made significant inroads in producing personal protective equipment (PPE) to help Canadians combat COVID-19.

The program’s goal is to ensure that critical PPE is produced, sourced and are readily available to Canadians. In less than six months, Surrey Makes PPE manufacturers has surpassed $10M in sales.

“As we head into fall, it is crucial that we have our own domestic manufacturing sector producing PPE in Canada for Canadians,” said Mayor Doug McCallum. “Surrey Makes PPE allows us to be self-sufficient in this vital area, so we don’t have to rely on external suppliers for critical PPE supplies. Surrey manufacturers have pivoted to meet the needs of our health-care professionals, frontline workers, and essential businesses and are now expanding to produce N-95 masks.”

The City of Surrey has helped 3 Surrey companies that are retooling to make N-95 masks. In one instance, a building permit was expedited and approved in less than 3 weeks to speed up the establishment of a 13,000 square foot N-95 manufacturing facility in Campbell Heights.

The first N-95 masks to be made in Surrey are expected to roll off the production line next month, with a projected capacity of 800,000 N-95 masks produced each month.

Since its inception, Surrey Makes PPE manufacturers have supplied communities across Canada with over:

  • 775,000 litres of disinfectants and hand sanitizers
  • 600,000 disinfectant wipes
  • 322,500 face shields
  • 18,500 fabric face masks
  • 13,000 gowns
  • 5200 barriers

Surrey Makes PPE was launched in response to the growing demand for made-in-Canada PPE from government, health authorities and local businesses seeking to protect both staff and customers. This Surrey initiative coordinates bulk buying opportunities of locally made PPE for all Canadian Health Authorities and Government Agencies.

For more information on Surrey Makes PPE and to view the most updated list of available PPE & supplies, visit

Continue Reading


7 Life-Changing Health Benefits of CBD for Seniors



Photo by Esteban Lopez on Unsplash

Do you ever think how wonderful it would be if we could be young forever and enjoy all that life has to offer? Unfortunately, Mother Nature has different plans. Life comes in stages and our body will inevitably begin to give way in time.

In the quest to slow the side effects of aging, man has been seeking various medications to make this possible. While science has tried with many breakthroughs, there are side effects and other concerns. CBD, however, offers a series of breakthroughs with tremendous benefits to seniors.

CBD for Senior Health

Gradually, CBD has found its way into almost every part of our lives. This is a fantastic plant with tremendous health benefits. According to a survey, 51 percent of seniors have used CBD and have experienced immense health benefits when using it for various health issues.

It is not surprising that CBD has proven effective for many health issues. According to studies, there are psychoactive and non-psychoactive components of CBD. The psychoactive part comes with a plethora of physical, medical, and therapeutic health benefits.

Marijuana is now legal in several countries around the world. With this, many companies like NuLeaf Naturals manufacture various CBD products such as CBD edibles, vapes, oils, creams, and products (even for animals) that take care of different health issues.

Additionally, below are seven benefits on how CBD can help seniors.

1. Pain Relief

Old age and pain go hand in hand. There are various pains from arthritis, strains, muscle ache, etc. Luckily, CBD can help manage multiple forms of pain, especially chronic and cardiovascular pain.

Every cell in the body has CB1 and CB2 receptors. CBD works on both receptors in the cell to produce healthy body cells. The result of this is reduced inflammation and swelling – the root cause of muscle and joint pain.

Photo by JD Mason on Unsplash

An advantage of CBD for seniors is that it is natural and triggers no side effects. There’s also little chance of becoming addictive unlike other pain relievers.

2. Helps with Dementia and Alzheimer’s Disease

One of the ailments common to seniors is dementia and Alzheimer’s disease. This happens due to the degeneration of the brain which consequently triggers various mental diseases. Interestingly, CBD provides tremendous health benefits for the brain.

When some psychological changes occur in the brain, it leads to debilitating mental health issues. Neuroprotective agents in CBD can help fix neuroinflammation, neurodegeneration, and oxidative damage, which precedes Dementia and Alzheimer’s disease.

Upon taking CBD, it interacts with CB1 and CB2 receptors, stopping the development of these neurological issues.

3. It Boosts Appetite

As people grow, the amount of food they eat reduces. Their environment and, at times, circumstance contribute to this. In time, they lose their appetite altogether, yet a regular meal is necessary for a healthy body. With CBD, they can improve appetite and make eating enjoyable.

Also, CBD is a potent tool in boosting metabolism. This helps deal with excess fat, hence keeping seniors in optimum health.

Photo by Esteban Lopez on Unsplash

4. A Tool Against Anxiety and Depression

Anxiety and depression are also pretty common in seniors. Sadly, they cannot use conventional pills as the side effects are usually too pronounced for their age. Yet, leaving the condition untreated significantly reduces the quality of life.

CBD is a perfect solution that helps deal with this. While CBD does not make people high, it can bring a sense of euphoria, altering the brain’s response to anxiety. This balances the chemical levels in the brain, triggering happy feelings.

5. It Improves Bone Health

Another common issue with old age is osteoporosis. This is a condition in which seniors have fragile bones because they lack essential minerals. It can trigger pain, inflammation, and sadly make them prone to fractures.

With CBD, you can strengthen and support your bones as well as its regeneration. This also reduces the risk of bone fracture in seniors. If seniors use CBD regularly, they can enjoy a better quality of life with little pain.

6. It Improves Sleep

Another issue most seniors complain of is sleep disorders. This could involve difficulty falling asleep and enjoying a good night’s sleep. This can cause a reduced quality of life, especially when they feel tired and weak all day. CBD can manage various sleep issues like insomnia.

One of the causes of sleep disorder is anxiety or pain. CBD addresses the root cause by producing a calming effect, making it easy to fall asleep and maintain a good rest.

When seniors worry, they are filled with thoughts that make their minds work excessively. CBD brings about a calming effect, which helps do away with the concern and enjoy a good night’s sleep.

7. It Helps with Glaucoma

Many seniors also have problems with glaucoma, a condition where increased eye pressure causes gradual loss of vision. There are many studies that reveal how potent CBD is, in helping with glaucoma.

When seniors take CBD, it lowers the intraocular pressure (IOP) in the eye, which results in better eye conditions. In fact, there are CBD infused eye drops and in the later stage of glaucoma, the reduction of IOP is extremely beneficial. In the end, CBD treatment will come in handy.


The introduction of CBD came with a tremendous blessing. The implication of this is that people can enjoy a long good life without the health issues that are peculiar to old age.

CBD is safe, effective, and potent for seniors. It doesn’t have extreme side effects and can be very beneficial when administered appropriately. There are many forms of CBD like oil, edibles, gummies, and balm. As a result, seniors will be able to take it in whatever form that suits them.

Indeed, CBD is a ticket for seniors to enjoy a good life without being a burden to themselves and/or their families.

Continue Reading


Fraser Health and Surrey Hospital Foundation Appoints Dr. Xiaowei Song as First Senior Clinical Scientist Dedicated to Research



Surrey, BC – The Surrey Hospital Foundation, together with Fraser Health, today announced the appointment of Dr. Xiaowei Song as Fraser Health’s first Senior Clinical Research Scientist dedicated 100 per cent to research. Made possible by funding from the Surrey Hospital Foundation, Dr. Song will continue her ongoing critical brain imaging research in the areas of aging and frailty, brain health and related brain conditions.

“Fraser Health looks after more than 1 in 20 Canadians or more than 1.8 million people,” says Jane Adams, President & CEO of the Surrey Hospital Foundation. “The Surrey Hospital Foundation invests in ground-breaking research and health innovations that support Fraser Health, and we are proud to provide funding for Xiaowei as well as many other Surrey-based pioneering health care researchers who are trailblazers just like her.”

As Fraser Health’s first Senior Clinical Research Scientist dedicated 100 per cent to research, Dr. Song will be focused on conducting clinically translational research projects, supporting the development of the clinical programs, and building up the clinical research capacities at Fraser Health to improve health care of patients and promote better health for the communities.

“I am extremely excited to continue delivering clinical research excellence in Surrey,” says Dr. Xiaowei Song. “Thanks to funding from the Surrey Hospital Foundation, I can further develop innovative brain health technologies and applications to track, document and assist the medical and research communities in improving the health care of patients in our communities.”

Dr. Xiaowei Song has been working as a neuroscientist and neuroimaging specialist at Fraser Health and was previously the MRI Program Head at the SFU ImageTech Lab at Surrey Memorial Hospital to establish and develop the MRI research centre. She is also an Adjunct Professor in the Department of Biomedical Physiology & Kinesiology at Simon Fraser University and in the Department of Medicine at Dalhousie University. Before moving to BC in 2014, she spent 18 years in Halifax, working at Dalhousie, IWK and QEII Health Centres, and the Neuroimaging Research Laboratory of the National Research Council of Canada.

One of the most innovative investigations she will focus on in her new role, is the automation of a new measurement of brain health by leveraging artificial intelligence, deep machine learning and data mining. Using magnetic resonance imaging (MRI) data processed at the ImageTech Lab and other databases, Dr. Song and her research team are developing the “whole brain atrophy and lesion index” to evaluate and score potential health indicators found in the brain.

Research has shown that there are several categories of health indicators that can be found in the brain such as vascular, degenerative, connectivity, and inflammatory changes that can potentially integrate as benchmarks of overall health wellness. These changes can accumulative and interact affecting cognition and brain function. The automated whole brain health assessment can allow early detection and measurement of holistic health changes and can potentially predict health conditions such as Alzheimer’s and dementia.

Dr. Song’s goal with the “whole brain health index” is to help medical practitioners make earlier health diagnoses and interventions for patients with developing health conditions.

Dr. Song has also spent much of her career researching and tracking health and frailty in seniors as they age and was involved in the creation and development of the Frailty Index of deficit accumulation, as the first postdoctoral research associate with Dr. Kenneth Rockwood and Dr. Arnold Mitnitski at Dalhousie University in Halifax, Nova Scotia back to 2002.

She recently led a research team at Fraser Health, thanks to a $1.38 million grant from the Canadian Institute of Health Research (CIHR), testing an innovative electronic tool that could make it much easier to measure and track frailty in seniors. The electronic Comprehensive Geriatric Assessment tool – Frailty Index (eFI-CGA) – is embedded into an electronic medical record as well as running on personal computers, where it can be used as a benchmark to assess vulnerable seniors and provide faster and more individualized treatment options. Working with Fraser Health CARES program, most recently, the research team has obtained additional funding support from the Canadian Frailty Networks to further implement a web-version of eFI-CGA at Fraser Health for promoting clinical uptake of the research outcome.

For more information on how the Surrey Hospital Foundation continues to support research and innovation, as well as their current Children’s Health Centre and Surgical Centre campaigns, visit

About Surrey Hospital Foundation:

Surrey Hospital Foundation is the largest non-government funder of health care for families in Surrey and surrounding Fraser Valley communities. The Foundation supports the major health facilities in the region, Surrey Memorial Hospital (SMH) and Jim Pattison Outpatient Care and Surgery Centre (JPOCSC), as well as numerous specialized programs for newborns, children, adults and seniors. The Foundation invests in the future of health care by funding innovative research in Surrey that can lead to medical breakthroughs.

Continue Reading


5 Secrets to Getting an ACMPR License that Every Grower Should Know About



Depending on where you live, getting a legal license to grow marijuana might actually be a lot easier than you think. This is definitely the case for Canada, where it’s not even required to apply for a license to grow a few recreational plants in most of the country.

Canada is considered to be the most progressive country when it comes to cannabis, both for recreational and medical use. To give you an idea, applying for an ACMPR License in Canada (which is a medical license to grow weed), can be done in just a few weeks, and better yet, it can give medical patients the legal power to grow hundreds of plants from home.

No matter where you’re applying for a medical license to grow, there are certain rules and regulations that need to be met in order to make the process go smoothly, and Canada is no exception. This guide to getting an ACMPR license gives you 5 helpful tips to help you along the way.

ACMPR Facts & Figures

Before dishing out the helpful tips and tricks to successfully applying for an ACMPR license, you first have to know what the ACMPR actually is. It stands for Access to Cannabis for Medical Purposes Regulations, and it’s the program that governs all things medical marijuana in Canada.

This program has gone by several different names over the past 20 years, but the overall purpose has always remained the same: to grant medical patients easier access to marijuana in order to treat their pain, creaky joints, chronic headaches, cancer symptoms, or whatever they may be suffering from.

What It Means to Apply

When you apply for an ACMPR license, it’s basically just asking the government for permission to access medical-grade marijuana. This access comes in 3 different forms: (1) grow from home on your own, (2) assign someone else to grow for you, or (3) purchase products from licensed producers.

Every ACMPR license looks different, and not just in terms of the access method. While one person may have applied to grow outdoor plants, another might hold a license for indoor growing. And while on has a license for 30 plants, another might have one for 300.

Now that you know all the basics, let’s get into the things that everyone should know before sending in an application.

Never Assume You’re Not Eligible

A lot of people want to apply to be an ACMPR member, but they never end up going through with it. In most cases, this is because they assume they’re not eligible to grow medical marijuana from home.

Although it the past it may have been slightly stricter and more difficult to get licensed, Canada (as well as the rest of the world) has loosened the reigns when it comes to cannabis. This doesn’t just apply to medical use of weed, but also recreational.

As long as you can prove that using marijuana can help with some treatment, ailment, or condition, you’re in the clear to apply – and you have a very high chance of getting government approval. That proof comes in the form of a doctor’s RX, which we’ll talk about next.

Finding the Right Doctor Eases the Process

For any ACMPR license to be processed and approved, a medical prescription from a doctor or nurse practitioner is 100% required. The prescription amount is what determines the number of plants that each license holder is allowed to grow.

Getting an RX can be a challenge since there are still a lot of old-school medical professionals out there, but if you find the right doctor, it’s no problem. The key is to find a doc or NP who is fairly liberal and onboard with the medical marijuana movement, but also one who is compassionate to patients’ needs.

Everyone Is Guaranteed Approval (If Done the Right Way)

If you do everything by the book and obtain a valid prescription, there’s really no reason you shouldn’t be approved. However, there are some things that could prevent that from happening.

To make sure you don’t overlook anything and ensure that you’ve crossed all your T’s and dotted your I’s, it’s worth it to hire an ACMPR consulting service. Applying for a license is free, but you’ll have to pay if you choose to hire a service. But as long as you choose a legit one, it’s completely worth the added cost.

Double Check (Then Triple Check) Your Application

The biggest reason for an application to be denied isn’t failure to provide a valid prescription. It’s usually something way more simple than that, like forgetting to check a box or inputting your date of birth in the wrong format on the application forms.

Even the smallest error could cause an application to be denied and sent back, and this can add months to the process. Just be sure to double, triple, even quadruple check all of the forms before sending them in for government approval.

For Renewals, Stay on the Ball

One thing that many people don’t realize when they first apply is that this is not a license that lasts forever. Just as a medical marijuana prescription needs to be rewritten every year, the ACMPR license also needs to be renewed yearly.

You’ll have to go through the entire process again – get the prescription, fill out the forms, send it in, and wait for the approval. The good news is that once you’ve done it once, the second time around is a piece of cake.

The main issue with ACMPR renewals is that license holders apply for their renewed license right around the same time it expires. You’d think this would be fine, but some applications can take up to 3 months to process, so to avoid a lapse, try to apply for renewal about 3 months before your current license expires.

Continue Reading


What Medicinal Plants You Can Grow on Balcony



While finding the best home gardening tool on is easy, deciding what to plant on your balcony is not. But since you are here, we recommend medicinal plants. But what do plants need to grow on the balcony? You need adequate light, moist growing medium (soil, coco peat, or any other), and good drainage.

Why Grow Medicinal Plants?

Medicinal plants come with so many herbal properties that make them an excellent remedy at home. Most of these houseplants come with these properties:

  • Sedation (calming effect)
  • Antimicrobial (kills microorganisms)
  • Analgesic (pain relieving)
  • Antidepressant (treats depression)
  • Immunomodulation (immunity regulation)
  • Hypotensive (reduces blood pressure)
  • Anti-inflammation (reduces swelling and reddening)

Concerning the above properties, here are ten best indoor plants to consider:

1. Aloe (Aloe vera)

If you are keen on most skincare products, Aloe vera is the commonest ingredient. This natural remedy is known to promote anti-bacterial, soothing, and anti-inflammatory effects.

You can apply aloe gel on your skin to tone it and on your hair to smoothen it. You can also use it on stings, burns, and cuts to soothe them while promoting faster healing. Aloe vera is adaptive, and so it tends to survive most weathers. The indoor plants, however, thrive under warm weather.

2. Coriander (Cilantro)

Coriander is a popular spice that you can count on when you want some flavor on your dish. While its flavor is unmatched, its herbal properties are just incredible. Coriander lowers blood cholesterol and promotes anti-oxidation. It’s rich in folic acids, essential vitamins, and other vital nutrients. You don’t need to master the study of plants to grow coriander. The plant prefers full sun, and you should water it selectively.

3. Chamomile (Matricaria chamomilla)

Chamomile is an aromatic herb that is widely used in the manufacturing sector. From producing toothpaste to making beverages, the applications of chamomile are many. Medicinally, chamomile treats sleep deprivation (insomnia), cold, sunburns, and wounds. It’s also known to relieve stress and period pains

4. Tulsi (Holy Basil)

Both the flowers and the leaves of the Tulsi plant have medicinal properties. The herb is a stress reliever, an antidepressant, an antioxidant, and an antianxiety agent. It also demonstrates immunomodulation and hypotensive properties. The house plants are sacred in the East, where they are used to treat cold, headaches, asthma, anxiety, and stress. Holy Basil prefers full summer.

5. Lavender ( Lavandula spp)

Lavender is popularly known for its aromatic sense. While this is an attraction, its medicinal properties are unbelievable. Lavender is an analgesic, a sedative, and an antidepressant. More to it, lavender has antimicrobial and digestive properties.

The herb prefers full sun and adequate airflow for its growth. So, you could easily have a flower bouquet when the plant grows optimally.

6. Mint (Mentha)

Mint is another aromatic herb that does well on the balcony. The plant can grow on water alone if you prefer so. You need to feed it with adequate fertilizer. There are 20+ mint species in existence, all coming in different fragrances and colors. The water plants are perennial, which means you’ll have your harvest yearly. You can take Mint in tea, soup or salad. The herb is rich in essential oils, antioxidants, and beneficial vitamins.

7. White Sage (Salvia apiana)

Originating from Southern California, both the stem and the leaves of White Sage are medicinal. The herb is popularly taken in tea, but we have people who prefer to smoke and inhale it.

Whichever way you consume white sage; its herbal actions are outstanding. It has antimicrobial, anti-inflammatory, and astringent (skin tightening) properties. The plant prefers warm weather.

8. Ginger (Zingiber efficinale)

You probably buy ginger every time you go to the market. But did you know that ginger is more medicinal than it is a spice? It’s one of the best house plants because of these health benefits:

  • Treats chronic indigestion
  • Manages motion sickness
  • Relieves menstruation pain
  • Regulates blood cholesterol
  • Reduces the risk of Alzheimer

Be sure not to take ginger excessively as it could lead to bleeding, diarrhea, or throat irritation.

9. Cayenne Pepper ( Capsicum annum)

Cayenne pepper is widely used in food preparation because of its chilly flavor. Well, this herb does more than making dishes savory. It contains beneficial nutrients that are known to promote these health benefits:

  • Improves overall blood circulation
  • Promotes better metabolism
  • Relieves headaches
  • Unblocks nasal congestion

It’s essential, however, to take Cayenne pepper in small quantities as it could easily upset the stomach if consumed in excess.

10. Lemongrass (Cymbopogon citratus)

Lastly, the leaves, as well as the stems of lemongrass, have antibacterial properties, thus excellent for treating wounds. Lemongrass is also an expectorant, which means it can treat cough and flu. It also calms nerves, and this explains why it’s popularly used to relieve stress, anxiety, and headaches. The plant prefers fast-draining soil and full sun.

Above are the best medicinal plants you can grow on your balcony. If you know how to care for air plants or water plants, it should be easy to take care of the herbs. Let’s know what your favorite plant is in the comment section.

Continue Reading

– Advertisement –

Latest Events


24sep7:00 pm11:00 pmVIFF.FASHION Live PPV7:00 pm - 11:00 pm Location: Online Cost: 10

25sep9:00 am25oct8:00 pmBC Culture Days: September 25-October 25, 20209:00 am - (october 25) 8:00 pm Location: Various locations and online Cost: Free

26sep6:00 pm9:00 pmIntro to Bartending Class6:00 pm - 9:00 pm Location: Fine Art Bartending School Cost: $99 per couple

– Advertisment –


Copyright © 2019. All Rights Reserved.

Designed by Binary Souls.