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Final Expense Plan

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The Final Expense Plan is a life insurance policy that provides coverage for Canadian residents between the ages of 18 -74. This plan pays your beneficiary a set benefit amount should you die for any reason. There is no medical exam or health questions required to qualify and the policy is in force until the age of 100. Under this plan: your acceptance is guaranteed.

The Final Expense plan includes both a Basic Life Benefit and a complementary Accidental Death Benefit, which is equal to 4 times the face amount of the Basic Benefit.

How are Premiums Calculated?
Coverage options and premiums are dependent only on age, gender, and smoking status. Individuals with health issues will not see their premiums increased on the basis of any present or past conditions.

New applicants are rated in 5-year bands beginning at age 30. At the end of every 5-year band, premiums for the insured are reviewable and may increase. We guarantee, however, that any adjusted premiums will be less than a new applicant would pay at the same age.

Final Expense Plan provides guaranteed acceptance coverage from $5,000 up to $50,000. In addition the plan includes complimentary Accidental Death coverage, which is 4 times the base benefit, up to $100,000.

There are only two requirements in order to qualify for protection under Specialty Life’s Final Expense Insurance plan:

  • You are between the ages of 18 and 74;
  • You have a home address within Canada.

Under this plan, there are no medical requirements​ to get coverage, and you cannot be denied for coverage due to health issues if you meet the above criteria.

That means you can receive full coverage even if:

  • You have a serious health issue that other insurers would deem “uninsurable”;
  • You have been denied for life insurance for any reason, health or otherwise;
  • You’re a smoker, you’re overweight or have other “risk” factors that insurers rate you for;
  • You are not a Canadian citizen. As no SIN is required, this plan is perfect for newly-landed residents.

Acceptance is guaranteed:
As long as you’re between 18 and 74 and have a Canadian residence – your application cannot be denied for any reason.

Coverage to Age 100:
No premature cancellations that leave you high and dry without essential coverage.

Instant Issue​:
No appointments are required to apply for this insurance. From searching for quotes to receiving your policy, the entire application can be completed at your convenience, from the comfort of your own home.

Additional Protection:
Benefit from Accidental Death coverage, providing up to four times benefits for your family at no additional cost.

30 Day Review Period:
Take 30 days to review your policy and if you are not completely satisfied you can cancel and receive a full refund of premiums.

No Citizenship Required:
New to Canada? This plan offers protection where other insurers would require that you wait several years before you can apply.

Tax-Free Benefits:
Your insurance goes the extra mile in securing your final affairs as benefits are paid tax-free, directly to who you trust most.

The basic death benefit will not be paid under the following circumstances:

  • Death, that is not accidental, within 2 years from the policy’s start date or latest reinstatement. A full refund of premiums will be made.
  • Suicide, while sane or insane, within two years from the policy’s start date or latest reinstatement.If there is a material omission, misrepresentation or in the event of fraud.

This policy also includes an accidental death benefit at no additional cost. For Accidental Death Benefit exclusions please find more information here.

Accidental Death Benefit (Complimentary feature of Final Expense Plan)

  • Illness;
  • Suicide while sane or insane;
  • The abuse of medication or drugs, or death resulting from having a blood alcohol
    level of 80 milligrams of alcohol to 100 milliliters of blood or more;
  • In the act of attempting to commit or committing a criminal act.
  • Death occurring while in prison;
  • Medical or surgical treatments or complications, except when required as a result of an injury;
  • Paid participation in sports, or participation in any motorized contest of speed;
  • Any dangerous activities like scuba diving, rock climbing, boxing, skydiving/parachuting, hang-gliding, and/or bungee jumping;
  • Air travel other than as a fare-paying passenger in a commercially-licensed aircraft;
  • Declared or undeclared war, terrorism, riot, or revolution.
  • Death as a result of serving in the armed forces of any country, government, or international organization.

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