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We want to give all Prince Edward Island residents the ability to purchase an Accidental Death Plan. Our life insurance coverage allows anyone to find their ideal plan regardless of whether they have a pre-existing condition or family health history that prevented coverage in the past. With our plan, your health is not a barrier to obtaining protection that fits your needs. If you have a dangerous job and need affordable and straightforward coverage, our Accidental Death Plan is an excellent option for you.

How our Accidental Death Plan makes getting life insurance easy in PEI

Fast approval process

You don’t have to wait for approvals with our plan. With our quick process, you’re approved immediately, and your coverage is active within the same day.

No medical exams required

The state of your health cannot influence your eligibility for this policy.

Acceptance is Guaranteed

You cannot be turned down for coverage because of your health or medical history. Simply be between 18 to 69 and have a permanent residence in Prince Edward Island to be accepted.

Tax-free benefits

Get up to $500,000 in guaranteed tax-free benefits without the need for medical exams.

Debilitating conditions coverage

Our plan offers full and partial coverage for more than 20 debilitating conditions, so you will always feel protected.

Easy application process

You can view your plan options, get your free no-obligation quote, and purchase your policy directly from our site in minutes.

The additional benefits and protection with our Accidental Death Plan

Try it out with no obligation

We give you 30-days to ensure the coverage is working best for your needs. If you are not satisfied with your plan, we’ll give you a full refund.

You don’t have to be a citizen

We do not require you to be a Canadian citizen to be eligible for our plans.

Additional coverage

Our coverage offers unique coverage benefits like home and vehicle modifications and rehabilitation and bereavement benefits.


We’ve helped many people in Prince Edward Island with high-risk jobs find the coverage they need.
To get your free quote and see a list of options that can work for your needs, please use our short online application to get started 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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