Specialty Life Insurance

Accidental Death Plan

Be prepared for the unexpected:
$500,000 Coverage - no medical exams

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Key Benefits of our Plan:

Guaranteed acceptance

Instant approval up to $500,000 for all Canadian residents ages 18 to 69*. Absolutely no denials due to health issues.

No medical exams

There are no obstacles between you and the protection you need. In fact, your health has no effect on your rates or eligibility for this plan.

Additional protection

Full or partial benefit is paid for 23 debilitations, such as loss of sight, hearing and more.

Extra benefits

Maximize your plan with extra benefit options including rehabilitation benefits, bereavement benefits, in-hospital monthly benefit and more.

10-Day Money Back Guarantee

If you are not absolutely satisfied with your plan, let us know and receive a full refund.

What our clients say

Accidental Death Plan features

There are only two requirements in order to qualify for protection under Specialty Life's Accidental Death Plan:

  • You are between the ages of 18 and 69

  • You have to be a Canadian resident or have landed immigrant status

Under this plan, there are no medical requirements to get coverage, and you cannot be denied for coverage due to health issues if you meet the above criteria.

Duration of coverage

Accidental Death Plan will provide guaranteed coverage to age 75.

Bonus Benefits

This plan packs additional benefits including:

Rehabilitation benefit

Rehabilitation expenses will be covered for first two years from the date of the accident.

Repatriation benefit

If loss of life occurs more than 150 kilometres from city of permanent residence, we will pay the expense of preparing the body for burial and shipment to the city of residence.

Home Alterations & Vehicle modifications benefit

If the insured suffers a covered injury, we will pay one-time cost of alterations required to make the permanent residence wheelchair accessible. In addition, one-time cost of alterations to a vehicle to make it accessible or operable will also be paid.

Exposure and disappearance benefit

The benefit will be paid out for death from unavoidable exposure to elements.

The benefit will also be paid if the insured’s body has not been found within 1 year from date of disappearance of the vehicle the insured was located on.

Please note that these benefits cannot exceed the chosen coverage amount.

Coverage amount

Accidental Death Plan offers coverage up to $250,000.

Additional coverage

The benefit will also be paid for injuries that result in certain debilitations. Please for a complete list:


  • Loss of entire sight of both eyes

  • Loss of one hand and one foot

  • Loss of use of one hand and one foot

  • Loss of one hand and entire sight of one eye

  • Loss of one foot and entire sight of one eye

  • Loss of speech and hearing in both ears

  • Brain death

  • Loss of both arms, both hands, both legs or both feet

  • Loss of use of both arms, both hands, both legs or both feet

  • Quadriplegia

  • Paraplegia

  • Hemiplegia

  • Loss of one arm or one leg

  • Loss of use of one arm or one leg

  • Loss of one hand or one foot

  • Loss of use of one hand or one foot

  • Loss of entire sight of one eye

  • Loss of speech or hearing in both ears

  • Loss of thumb and index finger of same hand

  • Loss of use of thumb and index finger of same hand

  • Loss of four fingers of same hand

  • Loss of hearing in one ear

  • Loss of all toes of same foot

Policy exclusions

The death benefit will not be paid under the following circumstances:

  • Illness.

  • A suicide or intentional self-injury.

  • Misuse of medication, the abuse of drugs or intoxicants, or death resulting from having a blood alcohol level of 80 milligrams of alcohol to 100 millilitres of blood or more.

  • 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 as part of the aircraft crew.

  • 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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* The age limit is based on age nearest within the calendar year - must be closer to age 69 within the year to qualify.