Hi Nelson, thanks for the comment. Yes, CPP does have medically underwritten policies that are comparable in premium with other insurance companies. It can be a great option for some people, because even if they do not qualify for the cheapest plan, they can still fall back on their other plans. For example, the monthly premium for $500k face amount for a 40 year old male smoker for their Preferred Elite term-10 is $77.40, while it is $97.20 for their Preferred term-10.

This is incorrect. CPP does have a conventional/standard issue policy that may not even require paramedical tests. They also are in the middle tier for cost, like Equitable Life, if you compare the cumulative cost for the life of the policy. 40%-60% cheaper compared to other rated policies, plus, they issue policies to the military men. Judging from the failed DNA screening requirements, their recent attempt last Jan. 2017, I can tell which life insurance companies who were against it.