Our Accidental Death Plan puts the protection of your loved ones as the priority. If you live in Nova Scotia and have a dangerous job, you can benefit from our reliable and affordable life insurance coverage. Our application process is simple, it does not request medical exams or meetings with agents, and your acceptance is guaranteed.
How our Accidental Death Plan makes getting insured easier in Nova Scotia
Zero medical exams
There are zero medical exam requirements when you apply, meaning no invasive tests just to see if you qualify for coverage.
Instant coverage
You can apply for coverage in a matter of minutes and purchase a plan without having to meet an agent face-to-face.
Hassle-free eligibility
You only need to be between the ages of 18 and 69 and have a permanent address in Nova Scotia to get coverage.
Guaranteed coverage
Tax-free benefits are available for residents in Nova Scotia.
Up to $500,000 in coverage amounts
Our wide range of coverage amounts allows our Accidental Death Plan to help with various financial needs.
100% online applications
Our application process does not require you to schedule appointments with doctors or agents. You can request a free quote, learn about your options, and purchase a plan from our site.
Our plan aims to provide Nova Scotia residents with total protection
Our plans are based on simple eligibility with a wide variety of additional benefits such as:
Generous review periods
Take up to 30 days and see if you are fully satisfied with your policy. If you aren’t, let us know, and we will provide a full refund.
Accident Protection
Full coverage for loss of life and full and partial coverage for over 20 other debilitating conditions.
Additional Coverage
Unlike the traditional policies, our Accidental Death Plan includes extra benefits for bereavement, rehabilitation, and home & vehicle modification.
No citizenship necessary
You don’t have to be a Canadian citizen to apply for our Accidental Death Plan.
Our team has already helped thousands in Nova Scotia find the coverage they need through our simple and accessible online application process. If you would like a free no-obligation quote or more information about our plans, please complete our brief free quote form 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.