Thanks to our Excelsior Plan, you could get up to $50,000 in coverage without having to go through a medical exam! Our application process is simple, paperless and hassle-free. Plus, you'll get instant tax-free coverage so you put your mind at ease and get back to enjoying life.
Key Benefits of our Excelsior Plan
We provide instant approval for Canadians living in Alberta between the ages of 18-80. You cannot be denied due to your health or your family’s health history.*
Never undergo a medical exam
You are not required to go through a medical exam when applying for our final expense plan. Your health has no effect on your eligibility for our coverage.*
Your plan will always be there when you need it, with coverage that lasts a lifetime.
Financial coverage for your funeral expenses
When you pass away, your beneficiaries can use the plan’s benefit to help cover your funeral costs, final bills, or other remaining debts.
10-day money-back guarantee
You have 10 days to see if you are satisfied with your coverage. If not, let us know and receive a complete refund.
What our clients say
Explore our Excelsior Plan features
There are just 3 eligibility requirements:
Be between the ages of 18-80
Be a Canadian citizen or permanent Canadian resident
Answer “No” to: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”
Under this plan, there are no medical requirements to get coverage, and you cannot be denied for coverage due to health issues if you meet the above criteria.
Duration of coverage
Excelsior provides permanent, lifetime coverage
Rates are guaranteed to stay fixed throughout the duration of the policy.
Rates are dependent only on coverage amount, age, gender, and smoking status. Your health condition or health history has no effect on your premiums.
Excelsior plan offers coverage from $5,000 up to $50,000 for ages 18-70 and $5,000 to $25,000 for ages 71-80
Complimentary Accidental Death Benefit
Your policy includes an Accidental Death Benefit at no additional cost, which triples your coverage amount if the policy is acquired before you turn 71. This means, should an accident occur, your benefit would increase from the original coverage of $50,000 to an enhanced $150,000.
10-Day Money Back Guarantee
If you are not absolutely satisfied with your plan, let us know and receive a full refund.
* There is a single health qualifying question: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill”