- An offer for every applicant 18–80
- No medical exams
- Instant issue on Prime
Every client gets an offer. Every time.
The Open Series is four simplified-issue tiers on one shelf. One short questionnaire places each client in the highest tier they qualify for, and Guaranteed accepts anyone aged 18 to 80. You never walk away from a client empty-handed.
Highest tier first. Never a dead end.
Answers no to all twelve questions? Prime, issued instantly.
Oneday Open Prime
Most popularInstant issue and no waiting period. Prime isn't just for perfect health: many clients with managed conditions answer no to all twelve questions and qualify.
- Coverage
- Up to $500,000
- Terms
- T10 · T20 · T30 · T100
- Waiting period
- None
- How clients qualify
- No to all 12 questions
Oneday Open Plus
Broader eligibility than Prime, with the same term options, so a yes to one question doesn't end the conversation.
- Coverage
- Up to $350,000
- Terms
- T10 · T20 · T30 · T100
- Waiting period
- 24-month deferral
- How clients qualify
- Based on their answers
Oneday Open Core
Permanent coverage for clients whose answers rule out Prime and Plus, the cases other carriers postpone, decline or rate up.
- Coverage
- Up to $100,000
- Terms
- T100 (permanent)
- Waiting period
- 24-month deferral
- How clients qualify
- Based on their answers
Oneday Open Guaranteed
100% acceptance for every applicant aged 18 to 80. No health questions, no decline.
- Coverage
- Up to $50,000
- Terms
- T100 (permanent)
- Waiting period
- 24-month deferral, with return of premium
- How clients qualify
- No health questions
Tap a tier to see its details. 92% of applications are approved as applied · 64% approved automatically, minutes after submission · ages 18–80 · $30/yr policy fee · no medical exam on any tier.
Designed for the cases
other carriers walk away from.
Managed conditions that traditional underwriting routinely postpones, declines or rates up. Many of these clients qualify for Prime, and every one of them lands on a tier. If you've been quietly sending them elsewhere, you can write them with Oneday.
Diabetes
Type 1 and Type 2, including insulin users, when stable
Blood pressure & cholesterol
Managed and treated
Cancer history
In remission
Mental health
Stable conditions, including anxiety and depression
Heart events
After the appropriate waiting period
Chronic conditions
Sleep apnea, epilepsy and others under active care
Final eligibility is determined by the simplified-issue questionnaire and the policy contract issued by Humania Assurance Inc.
Twelve questions. That's the whole medical.
Every question is a clean Yes or No, and they ask about serious conditions and recent events, not everyday managed ones. That's why so many clients with managed health issues answer no to all twelve and land on Prime. No fluids, no underwriter follow-ups, no resubmissions.
- 01HIV/AIDS, Alzheimer's, ALS, cystic fibrosis, or heart failure?
- 02Cancer diagnosis or treatment in the past 3 years?
- 03Criminal conviction or impaired-driving offence in the past 12 months?
- 04Illicit drug use in the past 12 months (excluding cannabis)?
- 05Terminal illness, or currently hospitalized or awaiting diagnostics?
- 06Chronic kidney or liver disease, organ transplant, amputation, or active substance abuse?
- 07Heart condition, stroke, or blood-vessel disorder in the past 3 years?
- 08Mental-health hospitalization or diabetic complications in the past 12 months?
- 09Cancer diagnosis or treatment in the past 5 years?
- 10Unintentional weight loss of 10% or more in the past 12 months?
- 11Plans to travel to a war or conflict region, or live outside Canada 6+ months?
- 12Family history of Huntington's or polycystic kidney disease before age 60?
Everything you need to quote, in one table.
| PrimeMost clients, instantly | PlusWhen Prime says no | CoreCases others decline | GuaranteedEveryone 18–80 | |
|---|---|---|---|---|
| Maximum coverage | $500,000 | $350,000 | $100,000 | $50,000 |
| Terms | T10 · T20 · T30 · T100 | T10 · T20 · T30 · T100 | T100 (permanent) | T100 (permanent) |
| Issue | Instant issue | Simplified issue | Simplified issue | Guaranteed acceptance |
| Waiting period | None | 24-month deferral | 24-month deferral | 24-month deferral, with return of premium |
| How clients qualify | No to all 12 questions | Based on questionnaire answers | Based on questionnaire answers | No health questions · 100% acceptance |
| Medical exam | None | None | None | None |
| Ages | 18–80 | 18–80 | 18–80 | 18–80 |
| Policy fee | $30/yr | $30/yr | $30/yr | $30/yr |
| Underwritten by | Humania Assurance | Humania Assurance | Humania Assurance | Humania Assurance |
More ways to say yes.
Stack Your Term
Layer shorter terms on a base term, in one policy with one policy fee. Coverage steps down as each obligation falls away (the mortgage, the line of credit, the kids), instead of paying peak premiums for the full duration.
How stacking worksAlternate offers, not dead ends
When underwriting can't approve a case as submitted, you get a repriced alternate offer. Reprice live, send it for e-signature, and the policy auto-issues the moment your client signs. No new application.
See alternate offersThe short answers.
Full product details are in your advisor guide once you're contracted.
Does every client get an offer?
Every applicant aged 18 to 80 can get an offer. The questionnaire places each client in the highest tier they qualify for, and Guaranteed accepts everyone in that age range, with no health questions and no decline.
How fast are decisions?
64% of applications are approved automatically, across all four tiers, minutes after submission and with no human underwriter. The rest are decided in hours, not weeks.
How does a client end up in a tier?
One simplified-issue questionnaire of up to twelve Yes or No questions, with no medical exam and no fluids. A client who answers no to all twelve qualifies for Prime; otherwise they are placed in the highest tier their answers allow, the first time. Guaranteed has no health questions at all.
Is Prime only for healthy clients?
No. The twelve questions ask about serious conditions and recent events, not everyday managed ones, so many clients with managed health conditions answer no to all twelve and qualify for Prime with instant issue.
What does the 24-month deferral mean?
Plus, Core and Guaranteed have a 24-month deferral period, and Guaranteed includes a return of premium. The exact terms are in your advisor guide and the policy contract.
Who underwrites the Open Series?
Humania Assurance Inc. underwrites every Open Series policy. Final eligibility is determined by the simplified-issue questionnaire and the policy contract issued by Humania.
Can I quote all four tiers at once?
Yes. Oneday Pro generates personalized quotes in seconds, with rates across all four Open Series tiers in a single view you can send before the call ends.
What if underwriting can’t approve a case as submitted?
You get a repriced alternate offer instead of a dead end. Reprice live, send it for e-signature, and the policy auto-issues the moment your client signs.
How long does an application take?
Applications take less than 20 minutes, and most decisions come back the same day.
Stop turning clients away.
Get access to all four Open Series tiers and quote them side by side in Oneday Pro.
- 01Apply5 minutes, no obligation
- 02Contract & onboardAbout 7 days
- 03Start writingAll four tiers
