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Final Expense Plan

Plan Details

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.
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.
Subject to the terms and conditions outlined under this policy, we will pay the death benefit if:
‍
  • The insured person dies after two years of this policy, or an accidental death as covered under the accidental death condition as laid out in the policy documents.
  • Death that occurs within the first two years will be subject to a refund of premiums.
  • If the insured person dies after two years of this policy and the death is an accidental death, four times the death benefit will be paid out as set out in the policy schedule.
The basic death benefit will not be paid under the following circumstances:

  • Death that occurs, within 2 years from the effective date or latest reinstatement and is not an accidental death will be subject to no benefit payments. A full refund of premiums will occur.
  • The insured person commits suicide, while sane or insane, within 2 years from the effective date or latest reinstatement.
  • If this policy is declared void due to 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 Learn more about Accidental Death Benefit exclusions now.

Guaranteed Acceptance Life Insurance

Instant approval up to $25,000 in coverage for Canadian residents ages 18 -74. There are absolutely no denials due to health issues.

No medical exam, no health questions

There are no barriers between you and the protection you need. In fact, your health has no effect on your rates or eligibility for this plan.

Funeral Expenses Coverage

Your loved ones can use the benefit to cover funeral expenses, final bills or however they see fit. Plans start at just $30/month.

Easy Online Application- Instant Approval

Fast & easy online application process. Instant approval allows you to receive your policy once you apply.

Guaranteed coverage to age 100

This coverage does not stop when you need it most, and your plan remains in force until age 100.

30-Day Money Back Guarantee

If you are not absolutely satisfied with your plan, let us know and receive a full refund.
Overview
Eligibility
Benefits
How the Policy is Paid
Policy Exclusions
Tab 6

Final Expense Plan

Guaranteed Acceptance Life Insurance

Instant approval up to $25,000 in coverage for Canadian residents ages 18 -74. There are absolutely no denials due to health issues.

No medical exam, no health questions

There are no barriers between you and the protection you need. In fact, your health has no effect on your rates or eligibility for this plan.

Funeral Expenses Coverage

Your loved ones can use the benefit to cover funeral expenses, final bills or however they see fit. Plans start at just $30/month.

Easy Online Application- Instant Approval

Fast & easy online application process. Instant approval allows you to receive your policy once you apply.

Guaranteed coverage to age 100

This coverage does not stop when you need it most, and your plan remains in force until age 100.

30-Day Money Back Guarantee

If you are not absolutely satisfied with your plan, let us know and receive a full refund.

Plan Details

Overview
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.
Eligibility
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.
Benefits
  • 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.
How the Policy is Paid
Subject to the terms and conditions outlined under this policy, we will pay the death benefit if:
‍
  • The insured person dies after two years of this policy, or an accidental death as covered under the accidental death condition as laid out in the policy documents.
  • Death that occurs within the first two years will be subject to a refund of premiums.
  • If the insured person dies after two years of this policy and the death is an accidental death, four times the death benefit will be paid out as set out in the policy schedule.
Policy Exclusions
The basic death benefit will not be paid under the following circumstances:

  • Death that occurs, within 2 years from the effective date or latest reinstatement and is not an accidental death will be subject to no benefit payments. A full refund of premiums will occur.
  • The insured person commits suicide, while sane or insane, within 2 years from the effective date or latest reinstatement.
  • If this policy is declared void due to 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 Learn more about Accidental Death Benefit exclusions now.

Have No Worries

We work with the most trusted providers in the industry

Canada life logoSun Life Financial logoCanada Protection Plan logoRBC insurance logoBmo logoManulife logo

Have No worries

We work with the most trusted providers in the industry

canada life logosun-life-financialCanada protection planRBC - insuranceBMO insuranceManulifecanada life logoAssumption life insurance logoCanada protection planRBC - insuranceBMO insuranceManulife
Canada life
Assumption life insurance logo
Canada protection plan
RBC - insurance
BMO insurance
Manulife Insurance

Have No Worries

We work with the most trusted providers in the industry

canada life logosun-life-financialCanada protection planRBC - insuranceBMO insuranceManulife Insurancecanada life logoAssumption life insurance logoCanada protection planRBC - insuranceBMO insuranceManulife Insurance

Canadians love Dundas Life

Top rated advisor on rate-my-agent.com

Top rated advisor on Rate-My-Agent.com

Our principal advisor is the #1 rated insurance advisor in the GTA.

Serving 3,000 Canadians to date

Serving 3,000 Canadians to date

We serve Canadians of all ages, health, and income levels (even babies!).

5 star reviews on Google

5 star reviews on Google

Exceptional client service has earned us dozens of 5 stars on Google.

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