Our Final Expense Plan simplifies every aspect of the application process, making it easier for Albertans to find coverage for their final needs.
Our Final Expense Plan details
Guaranteed acceptance
We provide instant approval for Canadians living in Alberta between the ages of 18-74. 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.
Instant approval coverage
Once you complete your application, your plan is instantly active and issued to you the same day.
Coverage to 100
Your plan will always be there when you need it, with coverage that stays active up to age 100.
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.
30-day money-back guarantee
You have 30 days to see if you are satisfied with your coverage. If not, let us know and receive a complete refund.
Additional plan benefits
Our final expense plan comes with a wealth of additional benefits and features, including:
Accidental death coverage
With this additional financial protection, if your death is accidental, your family will receive up to four times the original death benefit at no extra cost.
No citizenship is necessary
You don’t have to be a Canadian citizen to be eligible for the final expense plan.
Tax-free benefits
Your plan’s benefit is always tax-free and paid directly to the people who matter most to you.
We make it easy for people in Alberta to find their ideal final expense plan coverage.
You can learn about your options, get a free quote, and purchase your plan now through our easy-to-use online form.
Find out more about our plan details:
Final Expense Plan - How the Policy is Paid
Subject to the terms and conditions outlined under this policy, we will pay the death benefit if:
- The insured person dies after two years of this policy, or an accidental death as covered under the accidental death condition as laid out in the policy documents.
- Death that occurs within the first two years will be subject to a refund of premiums.
- If the insured person dies after two years of this policy and the death is an accidental death, four times the death benefit will be paid out as set out in the policy schedule.
Final Expense Plan - Policy Exclusions
The basic death benefit will not be paid under the following circumstances:
- Death that occurs, within 2 years from the effective date or latest reinstatement and is not an accidental death will be subject to no benefit payments. A full refund of premiums will occur.
- The insured person commits suicide, while sane or insane, within 2 years from the effective date or latest reinstatement.
- If this policy is declared void due to a material omission, misrepresentation or in the event of fraud.
This policy also includes an accidental death benefit at no additional cost. For accidental death benefit exclusions please CLICK HERE.
Accidental death does not include death which is caused directly or indirectly by one or more of the following:
- a sickness;
- suicide or intentionally self-inflicted injury, while sane or insane;
- the misuse of medication, or the abuse of drugs or intoxicants, or from having a blood alcohol level of 80 milligrams of alcohol in 100 milliliters of blood or more;
- committing or attempting to commit a criminal offence, or while in prison;
- medical or surgical treatment or complications arising from the treatment, except when required as a direct result of an injury;
- participation as a paid professional in sports, or participation in any organized motorized contest of speed, or other hazardous activities such as, scuba diving, rock or cliff climbing, boxing, sky diving, parachuting, hang-gliding or bungee jumping;
- air travel, other than as a fare-paying passenger in a commercially licensed aircraft; or
- declared or undeclared war, or any act of war, terrorism, riot or insurrection, or service in the armed forces of any country, government or international organization
Please note that, aside from cases of fraud, if the policy is declared void the insured's beneficiary is entitled to a refund of premiums from the effective date of the policy or the date of its latest reinstatement.
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