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We’ve made getting insured with our Accidental Death Plan incredibly simple. More Canadians in Ontario find affordable and reliable accidental death coverage with Specialty Life Insurance through our simple application process and no medical exam requirements.

How our Accidental Death Plan works for Ontario residents

Your acceptance and coverage are instant

When you apply, you know right away if you are approved or not. Also, if you decide to make a purchase, your plan is active the same day.

Easy eligibility requirements

We offer guaranteed acceptance as long as you are between 18-69 and have a permanent residence in Ontario.

Tax-free benefits

All of our plan’s benefits are 100% tax-free.

No medical exams

Regardless of your health status, you can always apply for our Accidental Death Plan, as we don’t require medical exams or reports to provide you coverage.

Financial coverage for your loved ones

Coverage up to 500,000 that your beneficiaries can use as they wish.

Additional Protection

Our plan offers additional coverage for over 20 debilitating conditions.

What sets our Accidental Death Plan apart from other options in Ontario

No citizenships are required

There is no need to be a Canadian citizen to be eligible for our coverage options.

Take 30 days to check your plan

You have a period of 30 days to review your policy details. If you are not satisfied, contact us, and we will give you a full refund.

Additional coverage benefits

Our plan offers optional benefits such as home and vehicle modification support and bereavement and rehabilitation benefits.


We work across Ontario and help Canadians find the best Accidental Death Plan for their needs and budget.
If you would like to receive a free no-obligation quote and discover your plan options, please use our simple 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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