No medical exam, ever!
Our unique application process ensures you are getting,
comprehensive, affordable coverage fast.
With traditional life insurance it can take months to process
an application. We can get you covered on the day you apply.
From getting an exact quote, to paperless application, to obtaining
instant approval, we ensure your experience is seamless.
What our clients say
You asked, we answered
Can I get any plan
Our Final Expense, Critical Illness and Accidental Death Plans are 100% digital and can be purchased directly on our website. Our term life insurance plans require completion of a health questionnaire, which is done over the phone with our friendly, licensed advisors. All of our plans don’t require any medical exams, appointments, or tedious paperwork.
- Paul Johnson
What factors affect my rate?
For our Final Expense and Critical Illness Plans, the rate depends on age, gender, smoking status and amount of coverage. For Accidental Death Plan the rate depends only on amount of coverage. For our term life insurance plans, the rate will depend on age, gender, smoking status, amount and duration of coverage as well as your answers to a health questionnaire.
- Laura Wong
Is there a money back guarantee?
Yes! Our Final Expense, Critical Illness and Accidental Death Plans have a 30-day review period. Term life insurance plans have 10-day review period. Within this period, you are free to cancel your policy and get a full refund of premiums. After the review period, you can cancel without any cancellation fees.
- George Smith
Does COVID-19 vaccination affect eligibility or claims?
Your vaccination status does not affect your ability to apply for life insurance. It also has no effect on our claim process.
- Jennifer Clarkson
Will Specialty Life be around to pay out my claim?
Every insurance company in Canada is required by law to protect policyholders by being a member of Assuris. Assuris a non-for-profit organization that will pay out the policy in case the insurance company fails to do so.
- Kevin Lee
Is life insurance benefit taxable and are premiums tax deductible?
In Canada, the life insurance benefit is not subject to taxation. In most cases your insurance premiums are not tax deductible, but speak to your accountant about any exceptions.
- Kelly Richard