Life insurance is a fundamental pillar for financial security, especially in the later stages of life or retirement. Among various life insurance plans, one lesser-known but highly useful type is guaranteed life insurance.

In this blog post, we answer what it is, we’ll explore its significance, the benefits it brings, and how it operates, outlined in an easy-to-understand guide.

What is Guaranteed Life Insurance?

Guaranteed life insurance is a type of life insurance where your acceptance is guaranteed regardless of your health or medical history. As long as you meet basic requirements such as age and residency, you will not be denied. Specialty Life’s guaranteed life insurance plan is available to permanent Canadian residents ages 18-80.

As with any life insurance plan, the policy holder pays a pre-determined premiums to the insurance company, while the insurance company will payout a tax-free benefit to the beneficiaries when the policy holder passes away.

Typically, like with Specialty Life, guaranteed life insurance lasts for your whole life. This means that whenever the policy holder dies, their family will receive the payout (as long as the premiums are paid).


Close up of elderly hands holding hands with their grandchild, symbolizing peace of mind for the future with final expense life insurance.


Why Guaranteed Life Insurance Matters

While life insurance can be a difficult topic to face, acknowledging that your passing can be a financial burden on your family—in addition to the emotional distress—shows its importance. Thinking ahead and arranging life insurance can provide peace of mind, knowing that you're protecting your loved ones from financial strain during an already challenging time.

Your family can use the benefit for a variety of needs such as:

  • Covering funeral expenses and final costs
  • Clearing debts and estate taxes
  • Supplementing income

Guaranteed Life Insurance with Specialty Life

Our guaranteed life insurance plan Excelsior provides up to $50,000 in coverage with easy, paperless application and instant approval.

Excelsior offers lifetime coverage and premiums that are guaranteed to stay level, giving you the superior peace of mind of no surprises down the road.

To get started, apply for a no obligation quote on our website. Our licensed advisor will reach out with a personalized quote and additional information. If you're happy with the offer, you can complete your application right over the phone, and your policy will be ready within 24 hours. Enjoy peace of mind knowing you're covered.

A senior citizen feeling secured knowing the benefits of Excelsior plans.

Understanding and planning for the inevitable end-of-life expenses can be a daunting task. Life insurance plans, specially designed for final expenses, provide a thoughtful and responsible solution to this challenge. But what are those plans and why are they crucial?

This post will help demystify life insurance for final expenses. We'll explain its importance and show how Specialty Life can simplify this process for you.

What is Life Insurance for Excelsiors?

Life insurance for final expenses is a moderate coverage policy where the tax-free benefit can be used by your loved ones to cover costs associated with your passing. These can include funeral expenses, any remaining debts, or hospital bills. Such coverage can greatly alleviate these financial burdens, ensuring they don’t fall on your loved ones during their grieving period.

The Importance of Life Insurance for Excelsiors

End-of-life expenses can rapidly add up, making it a highly stressful and burdensome period for your loved ones. A policy for final expenses provides an effective financial tool to remove this concern and offers peace of mind that all expenses will be suitably addressed.


Elderly woman contemplating life insurance for final expenses


The Specialty Life Advantage

At Specialty Life, we offer a range of life insurance options tailored to individual needs and budgets, including the comprehensive Excelsior Plan. This plan is particularly suitable for seniors as it requires no medical exams and offers immediate approval.

Eligibility for the Excelsior Plan

The eligibility criteria for our Excelsior Plan are quite broad: it’s available to all Canadian residents between the ages of 18 and 80. This makes this crucial financial aid accessible to even a larger segment of the population.


Senior couple considering their options for life insurance for final expenses


Coverage under the Plan

The Excelsior Plan tax-free benefit can help cover the costs associated with final expenses your family may have to bear upon your passing. This includes funeral costs, medical bills, or any other remaining debts. It offers guaranteed lifetime coverage and the coverage amounts can range up to $50,000.

Wrapping Up

In an unpredictable world full of unexpected expenses, life insurance for final expenses provides much-needed security ensuring your loved ones don’t have to handle the added pressure of handling final expenses. It’s an essential part of financial planning for seniors and older adults.


Begin Your Journey with Specialty Life's Excelsior Plan Today

Ready to secure your peace of mind knowing your final expenses are covered? Specialty Life's Excelsior offers a hassle-free application process, instant approval and immediate coverage.

Give the gift of financial security and peace of mind to your family when they need it most. Start your journey to better financial planning today!


As you enter your golden years, it's crucial to plan your future with thoughtfulness and wisdom. Choosing a senior care life insurance plan is one important decision that can make your senior years trouble-free, and also provide added security to your loved ones. With this plan in place, you can live your life with confidence, knowing that your family is protected and secure should anything happen to you.

In this blog post, we will help you understand and assess the benefits of a senior care life insurance plan such as our Excelsior Plan and guide you in making the best decision for your future and your loved ones. Let's delve into the details!

Why Choose a Senior Care Life Insurance Plan?

Retirement is the golden phase of your life when spending quality time with family and ticking off bucket lists should be the only things on your mind. And for that, you need a backup plan that ensures your loved ones are financially secure when you're no longer there for them.

With a senior care life insurance plan, like our Excelsior Plan, you have reliable premiums fixed in five-year bands, a tax-free death benefit, and coverage that can cater to your needs and lifestyle. These insurances can cover funeral costs and leave a financial safety net for your family.


A Canadian senior discussing future plans with a financial advisor online.


Understanding Senior Care Life Insurance Plans: Key Components

A Senior Care Life Insurance Plan secures your loved ones by providing a payout in case of your passing. Here are some key elements to consider while choosing a plan.

Guaranteed Acceptance

Often seniors worry about being eligible for a life insurance plan. However, with our senior care life insurance plans, you get the benefit of guaranteed acceptance. That means, regardless of your health history, you won't be denied coverage.


Rated Premiums

Understanding how premiums are calculated is crucial for budgeting. For new applicants, Specialty Life follows a 5-year banding system, beginning at age 30. This means at the end of every 5-year band, your premiums are reviewable and may increase.

However, don't be daunted by the potential of an increase. Specialty Life guarantees that any adjusted premiums will be less than what a new applicant at the same age would pay. This unique system enables you to manage and predict your financial commitments easily.


Senior couple discussing adjusted premiums with their financial advisor via their tablet.


End Of Life Expenses

End-of-life expenses include not only funeral costs, which can be extensive, but also any medical bills and remaining debts that may pile up suddenly. It's not uncommon for these costs to total tens of thousands of dollars. Our Excelsior Plan takes care of that.

The benefit provided to your loved ones upon your passing can be used to:

Cover funeral costs including: Settle outstanding medical bills associated with: Pay off lingering debts like:
  • Transportation
  • Casket
  • Headstone
  • Embalming or cremation
  • Memorial service
  • Cemetery plot
  • End-of-life care
  • Long-term hospitalization
  • Prescription medications
  • Palliative care
  • Personal loans
  • Credit cards
  • Mortgage payments


Remember, these costs and debts don't disappear when someone passes away. In fact, they are usually transferred to the estate or next of kin.

At the end of the day, your Excelsior Plan ensures that your loved ones won't be burdened with these expenses in addition to their grief at your passing. It provides both stability and comfort — the knowledge that these financial obligations will be handled and won't add to the emotional strain of losing you.

Instead of dealing with financial stress, your family can focus on supporting each other and remembering your life as it should be remembered.


30-Day Money Back Guarantee

Specialty Life understands the importance of making the right decision for your future. That's why all our Excelsior Plans come with a 30-day money back guarantee.

If for any reason you are not totally satisfied with your policy, you can return it within 30 days of receipt and have your premiums fully refunded! This no-questions-asked guarantee ensures that you have the flexibility and peace of mind while choosing your preferred protection plan.

This way, you can take the necessary time to review and confirm the suitability of your chosen plan without any additional pressure, reaffirming our commitment to provide a tailored, customer-centric approach to insurance.


Relaxed senior couple knowing that their insurance plan comes with a money back guarantee.


Budgeting Your Senior Care Plan: Keep Affordability in Mind

A top concern for seniors is affordability. However, Senior Care Life Insurance Plans are extremely budget-friendly. The coverage amount can be tailored as per individual needs so that premiums can be chosen accordingly.

In short, it ensures your plan fits within your monthly budget.



Planning for the future, especially with a view towards security, is one of the best gifts you can give your loved ones. Simply put, a Excelsior Plan provides the some of the best senior care life insurance coverage. That means, much-needed comfort and peace of mind for you and your family.

So make the decision today, and embrace a carefree, secure future ahead!



Bid Adieu to Uncertainty with a Senior Care Life Insurance Plan

Are you ready to take charge of your future? Explore the benefits of a Senior Care Life Insurance Plan and safeguard the future of your loved ones. Take the first step towards a secure retirement with Specialty Life's Senior Care Life Insurance Plan!

Embrace a worry-free retirement and live life on your own terms. Begin your secure journey today with Specialty Life!

Get Your Quote!

You've probably seen those "As Seen on TV" advertisements for Senior Life Insurance policies that promise quick coverage, no-health checks, and affordable premiums. But are these policies as good as they make them out to be?

In this article, we'll discuss the reality behind such "As Seen on TV" Senior Insurances, what they offer, and how they compare to the life insurance plans by us — Specialty Life Insurance. Let’s set the record straight!

What TV Advertisements Don’t Tell You

Everything we see on TV is aimed to capture our attention and "As Seen on TV" senior life insurance policies are no different. They promise convenience and simplicity, but do they come at a cost?

Strongly marketed with appealing gimmicks, these policies often overlook the fine print of the coverage details, leaving policyholders with unpleasant surprises later on.

With Specialty Life Insurance, you can rest assured that you get what’s promised, with no hidden exclusions or restrictions. We provide clear, upfront information about our plans to help you make an informed decision. 


Senior man being confused by an 'As Seen on TV' life insurance ad.


Tailoring Your Coverage

In the best-case scenarios, life insurance is not a one-size-fits-all solution; everyone's needs and circumstances are different. The coverage a fit 60-year-old needs may greatly differ from an 80-year-old with health concerns.

However, many "As Seen on TV" policies often highlight the maximum coverage amount and gloss over the fact that this might not be available to all applicants.

Here at Specialty Life Insurance, we understand everyone has different requirements. That’s why we provide personalized solutions to match your individual needs. Whether you’re looking for a plan to cover final expense or to create an inheritance, we offer tiers of coverage that you can choose from based on your unique needs.


Senior woman feeling relieved after switching to Specialty Life Insurance.


Reliability & Trustworthiness

Trust is an essential part of purchasing a life insurance policy. You need a provider you can rely on in times of need. While a flashy advertisement might grab your attention, concrete values such as reliability, transparency, and personalization are crucial in choosing the right life insurance provider.

That's where Specialty Life Insurance shines. Our multiple coverage options ensure every Canadian can find a policy that suits their needs. We’ve built our business on reliability and trustworthiness, making us a choice that so many Canadians rely on.


Happy Seniors in Canada thankful for Specialty Life Insurance's reliable and personalized coverage.


The Advantage of Specialty Life’s Comprehensive Plans

Specialty Life truly stands apart in its understanding and commitment towards the insurance needs of varying customer profiles. Our deeply ingrained values of simplicity, personalization, affordability, and innovation enable our wide product range to cater to each individual's unique needs.

The remarkable elements of Specialty Life’s comprehensive plans include:

  • No Medical Exams, No Waiting: With Specialty Life, there's no need for time-consuming medical exams or paperwork. You can qualify on the day of your application and receive your policy immediately.
  • Simple, Affordable Coverage: Our user-friendly health questionnaire coupled with the efforts of our advisors guarantees a hassle-free application process, offering competitively priced policies.
  • Versatile Coverage Amounts: We offer plans that cater to a range of coverage requirements, from as low as $10,000 to $1,000,000, ensuring the suitability of our policies for an extensive array of life situations.
  • Significant Policy Renewability: At the end of the policy period, you can conveniently renew or convert your plan to a permanent policy without any additional health queries or checkups.
  • Additional Protection Plans: We provide added protection plans including riders like our Accidental Death Plan and Guaranteed Life Insurance Plan, each enriched with unique and beneficial features.

By focusing on your needs, we aim to demystify insurance, making the process of securing your future more understandable and accessible. With Specialty Life, you can count on transparent policies diligently designed to coincide with your lifestyle.


Senior Life Insurance: Get tailor-made coverage and personalized care with Specialty Life Insurance.



In a world where attractive marketing and advertising can sway our decisions, knowing the reality behind the message is essential. ‘As Seen on TV’ senior life insurance policies may seem attractive, but it’s important to understand the details behind the ads before making a decision.

If you’re looking for a provider that values transparency, personalization, and reliability, consider Specialty Life Insurance. We’re here to help you protect your future with tailored policies that match your unique lifestyle and specific needs.



Take Control Of Your Future With Specialty Life Insurance

Are you a senior in search of comprehensive, reliable and personalized life insurance? Switch to Specialty Life Insurance and secure your future confidently.

Don’t settle for policies with hidden clauses and confusing terms. Choose a service that is as transparent as it is diverse. Get covered with Specialty Life Insurance now!

Ready To Tailor Your Life Insurance Policy With Us?

Begin Your Journey. Click Below To Get Started Today!


Experiencing the loss of a loved one is incredibly tough. Adding to the emotional toll is the stress of planning a funeral and dealing with the associated costs. Moreover, these challenges are magnified if they were under-insured. However, that's where burial insurance with pre-existing conditions steps in.

In this blog post, we take a closer look at burial insurance specifically designed for those with pre-existing health issues. You will discover the benefits. Then, you'll be able to determine if this coverage might be the ideal fit for you and your family.

Come along and join us on this enlightening journey!

Reliable Coverage — Burial Insurance With Pre-Existing Conditions

Life is full of unexpected hurdles, including pre-existing conditions. But you don't have to fret about soaring healthcare costs or leaving your loved ones with financial stress.

Our Excelsior Plan, a form of burial insurance with pre-existing conditions, serves to cover your funeral expenses and prevent your family from draining their savings. It offers a safety net, allowing you and your loved ones to focus on the essential things—creating and cherishing memories.


A senior man gaining peace of mind from his burial insurance with pre-existing conditions.


Excelsior Plan — What Makes It Distinct?

Easy Access to Coverage

One striking aspect of our Excelsior Plan for individuals with pre-existing conditions is its accessibility. Traditional insurance policies often require medical exams and substantial paperwork. However, our Excelsior Plan offers ease. It's simpler and provides a hassle-free option.

Complete Excelsior Coverage

Our Excelsior Plan typically offer adequate coverage to cater to end-of-life costs. Depending on your chosen plan, benefits could cover medical bills, funeral costs, and other related expenses, alleviating a significant burden from your family.


An older woman content with her accessible coverage of burial insurance.


Stable Premiums

With our Excelsior Plan, raising premiums over time are not a concern. Your premiums are fixed. They don't increase. Instead, they remain the same with aging or changes in health. This budget-friendly feature of the Excelsior Plan ensures you maintain your coverage without squeezing your finances.

No Medical Exam Needed

One appealing attribute of the Excelsior Plan is the no medical exam application process. There are no complicated medical exams or detailed health questions. This makes insurance accessible to those in need. In short, no one's turned away due to health or age.

Peace of Mind

The ultimate benefit of the Excelsior Plan for individuals with pre-existing conditions is peace of mind. The relief of knowing you won't leave a financial burden on your loved ones provides a sense of satisfaction and security. You can live your life to the fullest without worrying about the unknown in the future.


Senior relaxed, knowing her burial insurance will cover her final expenses.


Optimizing Your Excelsior Plan

After understanding the benefits of the Excelsior Plan with pre-existing conditions, how can you get the most out of it? Here are some tips:

  • Purchase your policy early: Regardless of your age, it's beneficial to secure your insurance early. The earlier you start, the more you save towards your death benefit.
  • Understand your policy: Be clear on the coverage your plan offers. Know what's covered and what's not. Ensure it aligns with your needs and financial comfort.
  • Maintain prompt payment of your premiums: Regular and timely premium payments are crucial to preserve your policy.
  • Seek professional advice: Don’t shy away from seeking an expert's opinion. They can help guide you to select options tailored to your unique situation.

Protecting Your Peace of Mind — Conclusion

Having a pre-existing condition should not stop you from having the peace of mind that insurance can bring. With the knowledge that your loved ones won't be burdened with last expenses, this alone can bring immense relief. The Excelsior Plan with pre-existing conditions, with its easy access, extensive coverage, stable premiums, and easy application process, is a valuable solution to consider.



Your Security, Our Priority — Excelsior Plan with Pre-Existing Conditions

Ready to secure your future and give your loved ones the peace attained from knowing they won't be stressed about funding your final costs? If that's a yes, then don't hesitate to reach out.

Start your journey towards securing your peace of mind. Click the button below to begin!

Get Your Quote!

As we all know, death is inevitable, and its associated costs can be a heavy burden for families already grappling with loss. Having life insurance for funeral costs can alleviate these financial worries and let you peacefully know that everything is covered.

Throughout this blog, we will discuss the benefits of life insurance that covers funeral costs, as well its importance in protecting your family's future. After exploring your options, you will see the value of planning early, ensuring your family is cared for once you've passed.

Why Choose Life Insurance for Funeral Costs?

Investing in life insurance, specifically for funeral costs, means equipping yourself with a safety net during a time of grief. Between the burial, casket, embalming, use of funeral home facilities, transportation, and other necessary details, funeral costs can quickly escalate.

It's comforting to know your family won't need to worry about these financial obligations during their grieving period. Furthermore, pre-planning through life insurance that covers funeral costs enables your final wishes concerning burial and other arrangements to be honoured and carried out without stress or financial strain on your loved ones.


Senior reading about Specialty Life's policies for life insurance that covers funeral costs.


No-Medical Life Insurance: Simple & Fast

Our no-medical exam Excelsior Plan bypasses the often lengthy medical underwriting process that traditional life insurance requires. This means faster approvals, often on the same day as application.

You won't need to schedule a doctor's appointment, pursue bloodwork, or go through a traditional physical examination. This makes our Excelsior Plan accessible to individuals who might struggle to obtain traditional life insurance, either due to age, health, or lifestyle.

Secure Peace of Mind with Specialty Life

Our life insurance plans, such as the no-medical exam Excelsior Plan, provides an affordable way to prepare for funeral costs and provide peace of mind for your family. By opting for life insurance specifically meant to cover funeral expenses, you're taking control of the future and providing a safety net for those left behind.

In addition, your premiums will be fixed in five-year bands for the duration of the policy. This stability allows budget planning and ensures that payments remain affordable and predictable.


Elderly Couple discussing about financial planning includes life insurance for funeral costs.


Streamlined Coverage with Specialty Life

Specialty Life's stress-free application process eliminates the daunting paperwork often associated with life insurance applications. Our online application is user-friendly and efficient:

  • Start by viewing the easy-to-understand policy description.
  • Fill in the corresponding questionnaire.
  • Receive guaranteed coverage.

If you have questions about the application process or need personal support, our team is always ready to guide and assist you. Get in touch with us, and we'll answer your questions.


Life insurance that covers funeral costs provides a reliable safety net for your family at a challenging time. It gives you peace of mind, knowing that your family will be financially secured and able to fulfill your last wishes without financial burden.

Never forget: The right time to start planning for the future is now. It’s never too early to provide for your family's tomorrow.



Get Started Now With Specialty Life

Don't let uncertainties about the future stress you. Make a smart choice today with Specialty Life. Secure a plan that offers financial protection for your loved ones and gives them the comfort they will need. Get an instant quote for life insurance that covers funeral costs.

Take the first step to secure your family's financial future today!


If you're worried about the financial impact of your parents passing, you may be considering ensuring they have adequate life insurance. The question is, can you take out life insurance for your parents?

In this article, we dive deep into the possibilities and considerations of purchasing life insurance for your parents. We will cover benefits, possible challenges, as well as cost considerations.

Life Insurance for Parents: An Overview

When we talk about life insurance for parents, it essentially means taking out a policy as an adult child with your aging mother and father as the insured. In the insurance world, such policies are often known as "third-party policies".

Like with any coverage, it provides a death benefit if the insured person (in this case, your parent) passes away during the policy term. However, when purchasing life insurance on your parents, you need to consider some unique aspects:

  • Will your parents consent?
  • Do you have an insurable interest?
  • Can you afford the premiums?


Daughter discussing life insurance possibilities with elderly mother at home.


Parental Consent & Proving Insurable Interest

Yes, parental consent is a must when buying life insurance for your parents. They need to sign the application and participate in any necessary health checks or exams.

Besides, the insurance provider must be assured that you have a legitimate interest in your parents' life, known as "insurable interest". If you depend on your parents financially or you are responsible for their debts, you likely have an insurable interest.


Son and father enjoying a peaceful time in the park, knowing they have financial security through life insurance.


The Benefits of Life Insurance Coverage for Parents

Purchasing protection for your parents can offer several benefits:

  • Provides monetary aid to cover any debts your parents may leave behind, such as a mortgage or medical bills.
  • Can be used to cover your parents’ end-of-life expenses, lessening your family’s monetary burden during a hard time.
  • If you rely on your parents for financial support, the death benefit could replace this loss of income.


A relieved daughter finding affordable life insurance for her parents with Specialty Life.


Choosing Between a Term Life Plan & a Excelsior Plan for your Parents

Making a decision between a Term Life Plan or a Excelsior Plan depends on specific needs and financial situations. Both plans offer advantages, and the deciding factors often boil down to budget, age, and coverage needs of your parents. Let's take a closer look.

Term Life Plan

  • A Term Life Plan is beneficial if your parents are in relatively good health and maintain some level of income, or when the potential financial loss upon their demise is substantial.
  • This plan is excellent if you need a larger coverage amount, from $1,000 to $1,000,000, to ensure ample financial protection for paying off debts or replacing lost income.
  • However, remember that premiums might be higher for older adults.

Excelsior Plan

  • A Excelsior Plan, on the other hand, is a good choice if you're aiming to cover only specific end-of-life expenses such as funeral costs or small debts left behind.
  • This plan is particularly reasonable if your parents are older or have health conditions that may make other life insurance types more expensive or even ineligible.
  • Lastly, the Excelsior Plan offers guaranteed acceptance, which ensures our aging parents won’t be denied due to health issues.


Daughter comparing a Term Life Plan and a Excelsior Plan for her elderly parents on a laptop.


A Quick Wrap-Up

Yes, insurance for your mom and dad is a possibility. But the best advice is to assess your parents' health status, consider the financial impact of their passing, and decide on a plan that offers the most peace of mind. Specialty Life advisors can provide valuable advice and help you choose the best option based on your unique situation.

Also remember, while securing a policy for your parents is beneficial, premiums for older individuals can be more than for younger ones. If this worries you, try considering Specialty Life's Excelsior Plans. This plan is specially created to cover funeral expenses and other end-of-life costs.

At Specialty Life, we help your parents get suitable coverage no matter their age or health condition. We aim to prevent your parents' loved ones from experiencing financial distress after their passing.



Ready to Protect Your Parents with Life Insurance?

Securing life insurance for your parents can provide monetary stability for your family after their passing. Don't leave this to chance! Explore our diverse and budget-friendly life insurance plans for your parents today!


Are you a senior residing in Alberta? Life's golden years bring about beautiful, memorable moments, but they can also usher in new challenges. Health concerns or financial instability often become worrying thoughts. But here's good news for seniors in Alberta — assistance is readily available! With the Excelsior Plan, we offer apt coverage for seniors in Alberta, right here in the land of wild roses.

If you think you might benefit from coverage that cares for your unique needs, keep reading! Specialty Life's Excelsior Plan is simple and fits right into your life and budget. So sit back, relax, and let us show you how it works.

Finding Good Coverage For Seniors in Alberta

No two Albertan seniors are living the same life. Each of us have our own health conditions, money situations, and likes and dislikes. So, it doesn't make sense that one-size-fits-all insurance plan would work for the people in this province. With the Excelsior Plan from Specialty Life, coverage is flexible and made to match your own special needs.

Do you want coverage that looks out for you? Our plan considers your needs, health, and budget. We don't shove you into a plan, we shape our plan to match your life. That way, you can life your life, your way.


A senior farmer in Alberta considering different coverage plans he can buy online.


Your Coverage: Made With Love

Our plan will not confuse nor surprise you. Simply put, it was designed to be straight-forward, and reliable. With Specialty Life, you you can trust you always know what your getting. And if you ever need guidance, our team is always available to talk.


With Our Excelsior Plan You Get These Great Features:

No Medical Check-up

One very good feature of our coverage for seniors in Alberta is that you do not need a medical check-up to get it. We know health issues can be a problem when trying to get insurance. But, with our easy-to-get plan, you don't have to worry.


Senior couple from Alberta rejoicing after purchasing coverage without medical examination.


Sure-shot Acceptance

With our Excelsior Plan, you will get coverage, no matter what. Your age, health, and lifestyle don’t affect it. This is how we make insurance fair for all.

Friendly Customer Advisors

Insurance can seem quite baffling. That's why we try to make it as easy to understand as possible. And our nice customer helpers are always ready to make things clearer for you.

Easy on the Wallet

Many older adults live on a fixed income. So, we make sure that our coverage remains flexible for all budgets. We can also adjust your payment plan to suit your income and needs.


Secure Your Future with Our Coverage

All your life, you've been there for others. Now, it's time to think of yourself. With our coverage, you can enjoy your golden years in peace. Say goodbye to worries about the future. Say hello to relaxed, happy days under the warm Alberta sky.


Senior adult in Alberta enjoying relaxed and care-free retirement days with his grandson, thanks to reliable coverage.



Seniors are the heart of Alberta. From the snowy peaks to the lively fields, they enrich the land with their wisdom and love. At Specialty Life, we value your contributions. Our Excelsior Plan takes care of you in the best way we can.

Be fearless. Rest easy, knowing that you're protected with our coverage.



Rest Easy with Specialty Life: Find out About Our Coverage for Seniors Today

If you're a senior in Alberta, our coverage is just for you. Our plan suits your needs and keeps you safe. You don't need to figure out the puzzles of insurance alone.

Protect your future, your peace, and your happiness. Choose Specialty Life’s insurance coverage because you earned it!

Discover the Perfect Coverage for Your Golden Years with Specialty Life.

Start Your Journey Toward Great Coverage. Click the Button Below Today!


Getting older comes with its own set of responsibilities and worries. That said, no one should worry figuring out what the best burial insurance for seniors is. That's because after you're gone, the Excelsior Plan from Specialty Life provides a remarkably simple way to pay for funeral costs and other bills.

In this blog, we will talk about how funeral insurance works and how it can help you feel at peace. Keep scrolling to learn more about why our funeral insurance is a smart choice for seniors, how it can give you a sigh of relief, and guide you to the best insurance for your needs.

Figuring Out the Best Burial Insurance for Seniors

The Excelsior Plan, also known as funeral or burial insurance, is meant to cover the costs of funerals, burials, or services like cremation. With a policy from Specialty Life, our plans don't ask for medical exams or a lot of questions about your health—great for mature Canadians with health issues.

The budget-friendly price you pay each month (known as a premium) and guaranteed payouts make this plan a safe choice for people looking for a way to protect their loved ones. Moreover, Excelsior Plans have a greater range of accepted ages compared to traditional insurance. That means seniors can feel more at ease knowing that their family will have money to pay for any outstanding bills and expenses once they pass away.


Mature couple understanding the benefits of funeral insurance for seniors.


Why Pick Funeral Insurance?

This insurance is best for individuals in their golden years. That's because choosing a funeral insurance plan can lighten the load for your family. It offers coverage to fit your budget without cutting back on the peace and safety for your family.

Specialty Life's plan keeps things simple and easy. It doesn't need medical exams or lots of health questions. Plus, almost everyone is accepted. The plan covers up to $50,000 for all people living in Canada between the ages of 18 and 74. Now that's some serious financial backup!


A elderly couple on a hike after choosing the best funeral insurance to keep their family's future secured.


Benefits of Funeral Insurance

Easy & Quick Sign-Up

One of the best parts of the Funeral insurance from Insurance Supermarket is the easy sign-up process. You can get approval quickly — online, over email, or on the phone — all from your own home, without any stacks of paper.

Guaranteed Acceptance

What makes our funeral insurance even more reliable is the guarantee that you'll be accepted. You get coverage no matter your health history or lifestyle choices. This makes it a great choice for seniors with health issues that might stop them from getting other kinds of life insurance. As long as you're under age 75 with a permanent Canadian address, you can qualify!

No Medical Tests or Questions about Health

With funeral insurance for seniors, there are no medical tests or health questions during sign-up. Your coverage doesn't depend on your health status. You can get a policy easily, enjoy its perks, and feel confident about your family's future.

A senior couple in Canada talking about funeral insurance choices.


Set Premiums

Another big plus of funeral insurance is that your premiums are set in five year bands designed to fit any budget. This makes sure the price fits your lifestyle and needs, giving you control over what you spend each month. Your premium is recalculated every 5 years, however the earlier you get coverage, the lower your premium will be overall. Essentially, you are guaranteed to have lower premiums overtime than if you waited to get coverage at a later date.

This is especially great for any individuals living on a fixed income — in times when things might feel uncertain, you have a financial plan that brings stability and calm.

Extra Support for Loved Ones

The funeral insurance plan makes sure that your family has enough money to handle final costs. From the funeral to any unpaid bills, it can all become overwhelming. But if you have funeral insurance to cover your final expenses, you can help your loved ones during this tough time by lighting their financial load.


Canadians appreciating how Funeral insurance for seniors gives added support to loved ones during a tough time.


Wrapping Things Up...

Guaranteeing your family's future is an important financial responsibility we all have. Specialty Life's affordable Excelsior plan makes this easier. It provides financial balance, flexibility, and easy access to application and claims. It gives you the calm you need, knowing that your loved ones will have the money they need, even after unexpected life events.

Ensure a quiet retirement and secure your family's future with the best funeral insurance for seniors today!



Opt for the Best Funeral Insurance for Seniors & Shelter Your Family's Future

Choosing to protect your family from unexpected money problems during tough times is a wise decision. Our team is here and excited to help you during this process. We want to help you keep the financial security you and your family deserve. Join us in this adventure today and secure a calm future.

Discover the power of protection. Step towards your family's financial safety with Insurance Supermarket's top funeral insurance for seniors.

Enjoy Simple Protection with the Excelsior Plan for Seniors from Insurance Supermarket

Get in touch with us today and secure your family's future. Click the button below to begin!


Thinking about what will happen to our loved ones when we're no longer around can be tough, but planning for these circumstances is within your control. By choosing affordable Excelsior Plans, you offer your family financial relief during their time of bereavement.

Continue reading to discover more about how a plan from Specialty Life can provide financial security and peace of mind for you and your loved ones.

Decoding Affordable Excelsior Plans & Their Perks

Your financial affairs shouldn't be a burden to your loved ones after your passing. This is where Specialty Life's Excelsior Plans are of great significance. In short, they allow you to delegate funds specially dedicated to meeting your funeral and final expenses.

Not requiring any medical exams or health questionnaires, obtaining one of our plans is hurdle-free. This is why these policies are the go-to choice for seniors, high-risk individuals, and those with pre-existing medical conditions across Canada.

Not only do our plans offer financial protection but they also form a safety net irrespective of health conditions or age.

An Affordable Path to Financial Security

Our Excelsior plans cater to individuals who may find conventional life insurance unreachable due to health or lifestyle risks. These plans provide an affordable insurance solution, eliminating complex and stressing terms and criteria.

Versatility is another significant advantage of our plans. They can cater to funeral costs, last-minute medical bills, or any other end-of-life expenses. Furthermore, the death benefit ensures additional financial support to your family members if reliant on your income. In short, they're an excellent alternative or supplement to an estate plan.

Couple discussing their Excelsior Plans.

Walking Towards Financial Steadiness

Excelsior plans from Specialty Life are your ticket to reliable and affordable financial protection. These plans don't just provide a guaranteed death benefit and accessible premiums, they also afford an enduring shield against financial instability.

Rest assured, by opting for our budget-friendly plans, you're paving the way to a sturdy economic future for your family.

Senior celebrating their plan for the future with an affordable Excelsior policy.

Affordable Excelsior Coverage On-the-Go

Thanks to Specialty Life's advanced technology, procuring affordable Excelsior coverage has been made even easier and faster. As a result, you can get your desired coverage through a user-friendly online application that takes but mere minutes of your time.

Say goodbye to the exhausting waiting period of underwriting and say hello to instant, same-day coverage.

Online application for Affordable Excelsior coverage.

Charting Your Road to Financial Security

Excelsior insurance plans serve as a catalyst to secure your financial situation. Marginalized premiums, instant coverage, and no medical exams give you a stress-free way of accessing financial security benefits.

All things considered, by choosing our Excelsior plan, you're securing your family financially and ensuring peace of mind for everyone.

Family discussing financial protection through Excelsior plans.


In summary, affordable Excelsior plans from Specialty Life promise financial assurance in the wake of unforeseen circumstances. With a streamlined application process and comprehensive coverage, these plans serve as a debt-free solution for all Canadian residents.

Investing in a final expense plan is a well-thought-out strategy to provide your loved ones with peace of mind. If you're in search of financial protection and stress-free coverage, a Excelsior plan from Specialty Life is your protector.


Experience the Ease – Affordable Excelsior Plans are Accessible

Experience peace of mind knowing your family's financial responsibility is reduced with an affordable final expense plan. Regardless of health status, if you're aged between 18 and 74 and have a residence in Canada, you'll qualify for the plan – guaranteed!

Our mission at Specialty Life is to provide life insurance benefits to all Canadians, especially when they find it difficult to secure a plan elsewhere.

Take the first step towards a secure future. Explore our Excelsior Plan and give your family the financial protection they deserve.

Begin Your Journey Towards Financial Security Today!