We know how difficult it is for Canadians in British Columbia to get life insurance when they have a dangerous job. That is why we created an Accidental Death Plan, which removes traditional life insurance coverage barriers, like medical exams, and allows more people to get the coverage they need.
How our Accidental Death Plan works for residents of British Columbia
No medical exams
We are keeping life insurance simple, as it should be. Never undergo a medical exam to be eligible for coverage.
Easy application process
There are no face-to-face meetings with agents or medical examinations that will prevent you from being covered. The application and purchase of the plan are carried out entirely on our site.
Coverage for a range of conditions
Get tax-free coverage for over 20 debilitating injuries.
Guaranteed protection
Your coverage is guaranteed as long as you are between the ages of 18-69 and a resident of British Columbia.
Peace of mind
Get up to $500,000 in guaranteed benefits paid directly to your loved ones.
Instant coverage
The coverage of our plans begins the moment you make the purchase, which means there are no waiting periods.
Additional plan benefits
Our Accidental Death Plan includes a wide variety of extra benefits:
Review period
Take up to 30 days and see if you are fully satisfied with your plan. If not, let us know and get a full refund.
Extra benefits
With our plan, you can get the additional optional benefits to make your home, car, and life more accessible for yourself after an accident.
Citizenship not required
Our plan does not require you to be a Canadian citizen to be eligible, making it an excellent financial tool for newcomers to Canada.
Our life insurance solutions have helped thousands of Canadians in British Columbia find a plan that meets their coverage needs.
If you want to discover your options, please fill out our simple online form to get started.
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.