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With no medical exams, an easy online application, and a fast approval process, getting coverage has never been easier with the Accidental Death Plan. If you live in Newfoundland and Labrador, and you have a dangerous job, or if you’ve struggled to find comprehensive and affordable life insurance in the past, our Accidental Death Plan is the perfect solution for you.

What makes our Accidental Death Plan so accessible for residents of Newfoundland and Labrador

Simple Application

You can complete our fast application process entirely from the comfort of home.

No face-to-face meetings

We do not require you to have in-person meetings with agents or doctors when you apply. Our process gets you the coverage that fits your needs quickly and stress-free.

No medical exam

You never have to undergo a medical exam to see if you are eligible for coverage.

Customize your plan to fit your needs best

You can choose up to $500,000 in tax-free coverage amounts, so there will always be a benefit amount that works for your needs.

No paperwork

Our coverage does not require you to complete mountains of paperwork because everyone just wants to get covered faster when it comes to life insurance.

Tax-free benefits

Lump-sum benefits are paid entirely tax-free to your selected beneficiaries.

Extra benefits of the plan
Helping your loved ones get financial security is our priority, which is why our plan offers extra benefits that give better, more comprehensive protection to the residents of Newfoundland and Labrador.

No Canadian Citizenship Required

Our plan only requires you to have a permanent residence in Newfoundland and Labrador to be eligible for coverage.

All our plans have a 30-day money-back guarantee

Take 30 days to review your policy, and if you are not completely satisfied, you can cancel and receive a full refund of premiums.

Unparalleled benefits

Our plan offers additional benefits, such as rehabilitation support or home & car modifications to make your life more comfortable.


Our team has helped thousands of people in high-risk jobs in Newfoundland and Labrador find effective coverage at an affordable price.
You can get your free no-obligation quote and your coverage options by starting our short online application now.

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%
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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.
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