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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%
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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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