Excelsior Plans for Retirees: Discover the Advantages

04 27, 2023
Jake Smith

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For Canadian seniors living on a fixed income, protecting your family's future is essential to plan for. But with so many options of Excelsior plans for retirees, finding the perfect policy can feel challenging—especially if you constantly get turned away due to your prior health conditions or lifestyle.

In this blog post, you'll learn how final expense plans provide the financial security you and your family need, despite any age or health concerns. Armed with the right information, you can confidently make an informed decision choosing your tailored policy. And in doing so, you actively secure your family's financial future after your passing.

Taking Control with No-Medical Excelsior Plans for Seniors

You don't need to let your age or health stand in the way of protecting your family's future. With a no-medical Excelsior plan, you can secure the financial protection you need without worrying about your health conditions getting in your way. These plans cater to individuals unable to access traditional life insurance due to age or health status.

Simply put, no-medical Excelsior plans skip medical exams. Instead, eligibility only requires you're age 18-74, and have a Canadian address. That's why these plans are also known as Guaranteed-Acceptance Excelsior plans. Meet the two eligibility requirements, and you won't be turned down.

These plans also make it easy to customize coverage for your budget. That means you can alleviate your funeral cost burdens even on a fixed-income.

Understanding Excelsior Plans: No More Denials

When considering a Excelsior plan, there are a few key points to keep in mind if you worry about coverage denial. Firstly, you'll need a plan with guaranteed acceptance coverage. With us, you have guaranteed coverage to age 100, and you never have to undergo a medical exams or answer nosey health questions. The approval process is straightforward, and independent of health conditions.

Secondly, rates are only dependent on age, gender, and smoking status, i.e. your health history won't ever affect your premiums. As for the coverage amount, our Excelsior plans offer protection up to $50,000, providing the people you love with a safety net for funeral expenses or any final bills they may incur.

Retiree couple reviewing final expense plans for guaranteed acceptance coverage.

Embracing the Benefits of Excelsior Plans

Final expense plans provide several advantages that can benefit both you and your family. For example, not having to undergo medical exams or answer health questions eliminates any obstacles between you and the protection you need. Your health won't affect your rates or eligibility for this plan, offering a sense of reassurance.

Moreover, our Excelsior plans also include accidental death coverage up to $200,000 at no additional cost. Plus, you can receive a 30-day money-back guarantee if unsatisfied with your plan.

A senior citizen examining documents for Excelsior plans.

Finding the Perfect Plan for Your Needs

These days, you don't need to be an expert in order to find the ideal Excelsior plan. With our simple online insurance questionnaire, you can find the perfect coverage for you and your family without leaving your home! You'll find a great policy made just for you in only a few minutes.

And if in doubt, reach out! If you can't decide on the right coverage, our team is here to help. Our compassionate experts can provide valuable insights and guide you in making the best choice for your specific needs, ensuring you and your family receive the protection and peace of mind you deserve without breaking the bank.

Senior discussing Excelsior plans for retirees with insurance advisor.

Begin Your Journey Toward Financial Security with Excelsior Plans

Our company started because we believe insurance should never leave anyone behind. Understanding you have options available to secure your family's financial future is crucial. Like many other Canadians, a Excelsior plan might be the perfect solution for you and your family. It's guaranteed-acceptance financial security. You get protection no matter your age, or health, or lifestyle.

It's never been easier to select a plan perfectly tailored to your unique life circumstances. With the financial protection of a final expense plan, you confidently face the future knowing your family is taken care of in your absence.

Happy elderly couple with peace of mind knowing their financial future is secure.


Excelsior plans are a practical and straightforward way to provide guaranteed financial security for retirees like you. Regardless of age or health restrictions, these plans deliver the peace of mind and protection both you and your family deserve.

With this in mind, the time is now to embrace the advantages of Excelsior plans for retirees like yourself and your family's future today.

Start Your Journey to Financial Security

Looking for an affordable life insurance plan that won't turn you away due to age or health? Specialty Life's Excelsior plans provide the protection and peace of mind you and the people you love deserve without the hassle of medical exams or health questions.

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


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