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Assurance Vies Sans Examen Medical

Insurance, Canada, Quebec, Montreal

Providing hassle-free life insurance solutions without the need for medical exams, ensuring peace of mind for clients.

About Assurance Vies Sans Examen Medical

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Basics

Type
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Founded
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Total Employees
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Employees on Linkedin
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Employees on OWCareers
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Main Office
Canada, Quebec, Montreal
Official Website
http://www.assuranceviesansexamenmedical.ca
Location Address Official Phone Email
Canada, Quebec, Montreal Canada, Quebec, Montreal **** ****
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FAQs – Assurance Vies Sans Examen Medical

How do compulsory insurance laws help mitigate adverse selection?

Compulsory insurance laws, such as mandatory health or auto insurance, ensure that both high- and low-risk individuals participate in insurance markets. This broadens the risk pool, preventing adverse selection and stabilizing insurance pricing.


What is "Cancel for Any Reason" (CFAR) insurance?

CFAR is an optional upgrade that allows you to cancel your trip for any reason not covered under standard trip cancellation insurance, typically reimbursing 50%-75% of prepaid expenses.


Who is considered a third party in third-party insurance?

A third party refers to any person or entity other than the policyholder and the insurer who suffers injury, loss, or damage due to the insured’s actions.


Can policyholders negotiate insurance premiums?

While base premiums are determined by risk assessment, policyholders can lower costs by bundling policies, maintaining a good claims history, improving risk factors (e.g., installing security systems), or increasing deductibles. Some insurers also offer discounts for loyalty, safe behavior, or specific occupational groups.


What is business insurance, and what types are available?

Business insurance protects companies against financial loss. Types include general liability, property insurance, workers' compensation, business interruption insurance, and professional liability, each designed to cover specific business risks.


Does indemnity insurance require proof of loss?

Yes, policyholders must provide documentation, such as invoices, repair estimates, or medical bills, to substantiate their claim before receiving compensation.


How do I file a liability insurance claim?

To file a claim, notify your insurer as soon as an incident occurs, provide all necessary documentation (e.g., accident reports, witness statements, legal notices), and cooperate with the insurer’s investigation and legal defense.


What factors influence the cost of private health insurance?

Several factors influence the cost of private health insurance, including the level of coverage, the individual's age, pre-existing medical conditions, the insurer's pricing policies, the geographic location, and the deductible amount. Younger individuals typically pay lower premiums, while those with pre-existing health conditions or higher coverage requirements may face higher costs.


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