Accidental Death Plan

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 a home address within Canada

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.

Accidental Death Plan will provide guaranteed coverage to age 75.

This plan packs additional benefits including:

Rehabilitation benefit

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

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.

Day Care Benefit

In case of loss of life, day care expenses will be paid for the first 4 years for any dependent child who is 12 years old and under.

Spousal occupation training benefit

In case of loss of life, formal occupation training to gain employment will be covered for a spouse within one year of the accident.

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.

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

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

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.