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!


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!


Insurance is a vital tool for financial planning—but with so many choices, it can get a little overwhelming. You might ask yourself, "Why do I need a Excelsior Plan?"

In this post, we'll explore the importance and benefits of Excelsior Plans. We'll highlight why they are a smart investment to secure your loved ones' financial future. So sit tight, read on, and let's get your questions answered!

What is a Excelsior Plan?

A Excelsior Plan is a type of life insurance that caters precisely to covering costs and debts you might leave behind. For example, these plans can cover medical bills, credit card debts, funeral expenses and any other financial obligations that can overwhelm your loved ones at an already challenging time.

Excelsior policies work diligently to alleviate your end-of-life costs from passing on to your loved ones. Furthermore, they indeed provide peace of mind. They ensure your end-of-life expenses are paid. These policies are exceptionally straightforward — with many providers requiring no medical exams or health questions. For example, our plan is simply and easily obtained online, making it significantly more accessible than traditional insurance plans.

Safeguarding Your Legacy

The unique selling point of these plans is their critical role in preserving your financial legacy. Without such a plan, your estate might deplete due to the coverage of your final expenses, and unfortunately, this could leave less for your loved ones or desired charity. For those without an estate, a Excelsior Plan acts as a replacement for financial inheritance. Essentially, these plans ensure your final expenses don't turn into your family's financial burden.

This type of insurance assures you that your heirs will have as much financial aid as possible during a challenging period. This is significant since many Canadians are carrying substantial debt loads that can become a significant burden for those left behind.

An elderly woman reviewing her final expenses plan.

Why Having the Excelsior Plan is a Wise Investment

Having one of these plans is a worthwhile investment that shields your family from potential financial difficulties. It gives you the opportunity to plan your desired funeral arrangements. So, you won't have to worry about passing on the costs to your next-of-kin.

Our plan guarantees acceptance for all Canadian residents aged 18 to 74—there are no denials due to pre-existing health issues—and provides instant approval up to $50,000, making the investment even more worthwhile.

A close-up of a couple discussing their financial plans, including final expense insurance.

A Badge of Assurance

Often dreaded, discussing end-of-life arrangements is nonetheless important for a smooth process when the time comes. Excelsior Plans boast an essential role in this process, providing a financial cushion for your family and peace of mind for you.

As a result, these policies let you leave more than just memories to your loved ones. It leaves them freedom from financial worry, allowing them to focus entirely on remembering your life and legacy.

An elderly man with a peaceful smile knowing he's secured his family's future with a Excelsior plan.


In conclusion, one should not overlook the significance of a Excelsior Plan. This form of life insurance offers immense peace of mind, eliminates your family's financial stress, and safeguards your legacy.

Armed with this knowledge, the question isn't, "Why do I need a Excelsior Plan?" Instead, it's, "Why don't I have a Excelsior Plan yet?"


Get Started Now: Why a Excelsior Plan is Essential

With Specialty Life Insurance, securing your family's financial future is just a few clicks away. Add security to your legacy by investing in our straightforward and affordable Excelsior coverage. Certainly, this guarantees your loved ones won't shoulder unexpected costs.

Don't Wait Any Longer – Find the Financial Security You Deserve Today!


As you age, finding a reliable life insurance policy that accommodates pre-existing health conditions can be a daunting pile of rejections. Thankfully, finding the best Life Insurance for seniors with pre-existing conditions in Canada is easier than you think! Excelsior plans offer stellar life protection coverage regardless of your health conditions or age.

In this article, we’ll delve further into Excelsior Plans. We will discuss how these plans outperform regular life insurance plans for seniors with pre-existing health conditions and highlight their additional benefits.

Excelsior Insurance: A Life Saver for Seniors with Pre-existing Conditions

When it comes to securing life insurance, your age or health shouldn't stop you. Excelsior plans by Specialty Life offer Canadians a no-medical life insurance option. With these policies, you get coverage guaranteed so long as you have a Canadian residence, and are between age 18 and 74. These plans are especially great for seniors with pre-existing conditions who may face hurdles obtaining traditional life insurance.

Ultimately, Excelsior plans aim to safeguard your loved ones' financial security after your death. Plus, they do this without imposing any hidden fine-print or surprise rate hikes. It's steady coverage you can trust for you and the people you love.

Senior grateful to have Excelsior Plans for securing his future.

Unpacking Excelsior Insurance - A Heartfelt Commitment to Seniors

Excelsior Insurance can be a lifesaver for seniors, as it guarantees coverage even for those denied by other insurance due to health issues. With other insurance plans demanding a clean bill of health, Excelsior plans offer a beacon of hope for seniors with chronic ailments.

Specialty Life's Excelsior insurance requires no health tests or medical exams. Our plans eliminate the fear of rejection due to health reasons, offering a safe and straightforward way to leave a financial legacy for your loved ones.

Excelsior insurance offers hope for seniors with chronic ailments.

Beneath the Surface: Benefits of Excelsior Insurance

Excelsior insurance is more than just another life insurance policy. We've designed this policy to specifically cater to the needs of seniors — especially those with pre-existing conditions.

Here are some key reasons why Canadian seniors choose Excelsior insurance:

Guaranteed Acceptance

Regardless of your medical history or current health status, as long as you’re between 18 and 74, and have a residence in Canada, you will receive coverage – that’s guaranteed.

Easy Application Process

Forget complex paperwork and extensive health surveys! The application process is quick, easy, and most importantly, done comfortably at your own time and pace.

Financial Security for Loved Ones

The policy proceeds can help your loved ones manage any financial burdens associated with your passing, including funeral expenses, debts, and medical bills.

Reliable Low Cost Premiums

Enjoy premiums fixed in five year terms. Despite advancing age or worsening health, your costs won't increase over the term. Then when it is time to move to the next term, you premiums are guaranteed to be less than a new applicant of the same age.

Flexible Protection

These policies are highly adaptable and offer coverage in almost any situation. This makes it an ideal fit for seniors with pre-existing health conditions and the fear of coverage rejection.

Instant Approval

The underwriting process for typical life insurance plans can take weeks or even months. With our Excelsior plans, you won’t need to lose sleep over whether you'll be approved. You can qualify in minutes!

Your Simple Steps to Uncomplicated Life Coverage

Getting coverage is as simple as submitting an easy online application. No doctor visits. No detailed medical history. It's a rapid and pain-free process to ensure your peace of mind by securing a good financial standing for your loved ones.

With that said, if you need assistance or have any questions while applying, our team is ready to help you make the best decisions for securing your family's future. We are more than a company — we are your partner in this journey towards lifetime financial security for your family.

Senior with pre-existing condition getting professional advice about Excelsior coverage.

Conclusion: Excelsior Plans — Life Insurance Built for Seniors

In conclusion, for senior citizens with pre-existing health conditions, seeking an affordable and reliable life insurance option can often feel like an upward task. Luckily, Excelsior plans are here to help. Leave your health concerns behind! You can specifically tailor a plan today and provide your family with guaranteed financial security.

In essence, this life insurance solution is perfect for Canadian seniors with health conditions who are searching for reliable, affordable, and secure financial protection.

Family now assured of their financial future thanks to finding the best life insurance for seniors with pre-existing conditions.

Your Route to Uncomplicated Life Coverage: Excelsior Plans

Embrace the financial protection and peace of mind offered by a Excelsior plan. If you’re Canadian, aged between 18 to 74, with pre-existing health conditions, this life insurance is built just for you. Your health history will never hold you back from getting reliable, affordable and secure life protection catered to your needs.

Embark on your journey to an insured future today!