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% |
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.