Accidents can happen at any time, especially if you have a high-risk job. So being prepared to face the unexpected is an excellent step to take, especially if you have loved ones. With our Accidental Death Plan, you can get reliable protection – affordable and easy-to-obtain life insurance that has helped many Canadians in Alberta get the coverage they need to protect their families.
Learn about the benefits of the Accidental Death Plan
Easy Eligibility
There are only two eligibility criteria that you must meet to apply: You must be between the ages of 18 to 69 and have a permanent Canadian residence in Alberta.
Total Protection
The Accidental Death Plan offers full, tax-free coverage in the event of an accidental death up to $500,000.
No medical Exams
No medical exams or health questionnaires are required to apply and qualify for this coverage.
Instant Coverage
Applying and buying this plan is all done online at your convenience, with the policy being issued the day of purchase.
Total Protection
Our plan offers partial coverage for over 20 other debilitating conditions.
Insurance made easy
With no face-to-face meetings and no paperwork, protecting your loved ones has never been easier.
Extra benefits of the plan
Our Accidental Death Plan includes additional coverage benefit options and other features that make our plan more accessible than any other option on the market.
Additional benefits
Get extra benefit options, including rehabilitation benefits, bereavement benefits, and home & vehicle modification benefits.
30-Day review period
We give you 30-days to ensure the coverage is working best for your needs. If you are not satisfied with your plan, we’ll give you a full refund.
No Canadian citizenship required
This unique feature makes our plan ideal for newcomers to Canada with high-risk jobs.
If you are interested in learning more about our Accidental Death Plan and getting a free no-obligation quote,
please complete our short free quote form on our site now to get started discovering your options.
Find out more about our plan details:
Accidental Death Plan - Schedule of Losses
This table shows what percentage of the benefit is paid following an accident
| Schedule of Losses | Percentage of Principal Sum Amount |
|---|---|
| Loss of life | 100% |
| Loss of entire sight of both eyes | 100% |
| Loss of one hand and one foot | 100% |
| Loss of use of one hand and one foot | 100% |
| Loss of one hand and entire sight of one eye | 100% |
| Loss of one foot and entire sight of one eye | 100% |
| Loss of speech and hearing in both ears | 100% |
| Brain death | 100% |
| Loss of both arms, both hands, both legs or both feet | 200% |
| Loss of use of both arms, both hands, both legs or both feet | 200% |
| Quadriplegia | 200% |
| Paraplegia | 200% |
| Hemiplegia | 200% |
| Loss of one arm or one leg | 75% |
| Loss of use of one arm or one leg | 75% |
| Loss of one hand or one foot | 75% |
| Loss of use of one hand or one foot | 75% |
| Loss of entire sight of one eye | 75% |
| Loss of speech or hearing in both ears | 75% |
| Loss of thumb and index finger of same hand | 33% |
| Loss of use of thumb and index finger of same hand | 33% |
| Loss of four fingers of same hand | 33% |
| Loss of hearing in one ear | 33% |
| Loss of all toes of same foot | 25% |
Accidental Death Plan - Exclusions
Expiry of Policy
This plan provides full coverage up to the policy anniversary following your 75th birthday. At this point, the policy will terminate and coverage will cease.
General Exclusions
The Accidental Death & Dismemberment policy will not pay benefits when accidental death or injury is caused, directly or indirectly, by one or more of the following circumstances:
- Illness;
- An suicide or intentional self-injury while sane or insane;
- In the act of committing or attempting to commit a criminal offense or while in prison;
- Medical or surgical treatments or complications arising from such things, except when required as a result of an injury;
- Participation as a paid professional in sports, or participation in any motorized contest of speed, nor any hazardous activities such as: scuba diving, rock climbing, boxing, sky diving/parachuting, hang-gliding, and/or bungee jumping;
- Air travel other than as a fare-paying passenger in a commercially-licensed aircraft, or;
- Declared or undeclared war, acts of war, terrorism, riot or insurrection, or death as a result of serving in the armed forces of any country, government, or international organization.