Funeral Expenses Insurance

Most Canadians aren't prepared to address the cost of their own funeral, which can cost $10,000 on average. While it's disconcerting to plan ahead for your own funeral, it's your family and your estate that will be left with the bill if you don't. Funeral Insurance is a safe, reliable, and affordable means to plan ahead for your funeral needs, and gives you the tools you need to cover the costs.

Specialty Life's Final Expense Plan is a guaranteed tool to plan ahead for funeral costs, with no medical exam or health questions. Get a Quote to learn more and get started!

What is Final Expense Plan?

Simple life insurance with guaranteed acceptance. Getting started is simple and easy!


Why do I need it?

Does life insurance work into your final needs plan? Find out why it matters.


Key Benefits

Guaranteed Acceptance

Under the Final Expense Plan: your acceptance is guaranteed! No waiting around for medical tests or follow up with an insurer. If you meet the age and residence eligibility (listed below), you're already qualified for coverage.

No medical, No questions

This plan is designed for individuals with past health issues or a history of difficulty getting insured. Even if other insurers have said you're too risky to insure, you're still eligible for the Final Expense Plan, with no tests or health questions needed.

Tax-free Benefits

Choose your beneficiaries and rest easy that not a dollar of coverage will go to waste on your behalf. Your family always has the assurance that all benefits under this plan are paid tax-free.

Instant Issue

When you sign up for the Final Expense Plan online, your policy will be instantly issued and emailed to you. Most insurance policies can take up to two months to be approved -- we'll issue your policy within the hour!

30-Day Review Period

If at any point, in the first 30 days, you feel the Final Expense Plan isn't for you, you can cancel with no obligation and receive a full refund of your premiums paid.

Coverage to Age 100

Make sure your coverage lasts as long as it needs to. Your policy cannot expire or be cancelled before Age 100 without your express consent, ensuring your family always has a plan to depend on.


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


How the Policy is Paid 

Subject to the terms and conditions outlined under this policy, we will pay the death benefit if...


Policy Exclusions

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


Get a Quote & Purchase

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