Specialty Life Insurance

Instant Life Insurance in Ontario

Guaranteed acceptance,
simple application, fast & affordable.

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Our Excelsior Plan is instant, affordable life insurance for residents of Ontario. The application process is straightforward with no medical exams or complicated paperwork. Get up to $50,000 in tax-free coverage now for funeral expenses and other final needs.

Key Benefits of our Excelsior Plan
for Ontarians

No denials

There are only three simple requirements for our plan: you need to be between 18-80, a Canadian resident and answer “No” to single qualifying question: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill”. Your acceptance is guaranteed if you pass those three easy requirements.

No medical exams are needed

If you are concerned about your health affecting your eligibility, don’t be. Our Excelsior plan does not require you to undergo a medical exam when you apply for coverage.

Coverage for the people who matter most

Your beneficiaries have complete control over the benefit they receive for your plan. They can use it to help with funeral expenses, mortgage payments, and more.

Review your plan

You have 10-days to review your coverage and get a full refund if you decide to cancel.

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.

Learn More