Specialty Life Insurance

Instant Life Insurance in British Columbia

Guaranteed acceptance, simple application, fast & affordable.

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Applying for a Excelsior Plan has never been easier - or more affordable! You can get up to $50,000 in tax-free coverage without having to undergo a medical exam. Thanks to our simple application process you can get the coverage you need from the comfort of home.

Key Benefits of our Excelsior Plan for residents of British Columbia

Guaranteed coverage life insurance

Whether your cancer is active or in remission, you are eligible if you are a permanent resident of Canada, between the ages of 18 and 80, and can respond "No" to the sole eligibility question: "Have you received a prognosis of 24 months or less to live, or are you currently hospitalized or terminally ill?".

Zero medical exams

We never require you to undergo a medical exam to apply for our plan. That means no nurse visits, no needles, and no medical reports are needed for our plan.

Benefits that your loved ones can use in any way

Your beneficiaries have complete control over how to use your plan’s benefit, including covering your funeral expenses.

Lifetime financial protection

Your coverage remains in force for life with protection that lasts a lifetime.

10-day money-back guarantee

Take some time to ensure your coverage is working for your needs. If you have any issues, let us know, and we can provide a full 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.

Coverage amount

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.

5 top reasons our clients applied for life insurance

Find out what were the top personal motivators for our clients to apply for life insurance coverage.

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