Specialty Life Insurance

Instant Life Insurance in Manitoba

Guaranteed acceptance, simple application, fast & affordable.

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With our Excelsior Plan, you could get up to $50,000 worth of life insurance coverage with absolutely no medical exams. There are no hassles, no headaches, no complicated paperwork, just guaranteed tax-free coverage regardless of your previous health history.

Key Benefits of our Excelsior Plan for residents of Manitoba

Your coverage is guaranteed

Our plan only has three simple requirements: be a Canadian resident between the ages of 18 and 80, and 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”.

There is no need for medical exams

The most significant pain point for many Canadians when getting life insurance is undergoing a medical exam. With our plan, we’ve removed this requirement.

Financial protection

Your selected beneficiaries can use your plan’s benefit in any way they wish. They can cover your final expenses, pay off debts like a mortgage, or keep the funds to be used for daily needs and costs.

Coverage for a lifetime

You will always have the coverage you need at any moment. With our plan, you’re completely covered for a lifetime.

Money-back guarantee

We offer a 10-day money-back guarantee, giving you time to ensure your plan is working for your needs worry-free.

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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