Specialty Life Insurance

Instant Life Insurance in British Columbia

Guaranteed acceptance, simple online application, fast & affordable.

Get Quote & Apply

Applying for a Final Expense 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 completely online application, you can get the coverage you need from the comfort of home.

Key Benefits of our Final Expense Plan for residents of British Columbia

Guaranteed coverage life insurance

Your health will never get in the way of you finding coverage. With our plan, you just need to be between the ages of 18-74 and a resident of British Columbia for guaranteed acceptance.

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 final expense plan.

Online application and instant approval

You can apply for and purchase a plan right on our website with our quick application process. Your plan is also instantly issued to you after making a purchase.

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.

Financial protection up to age 100

Your coverage remains in force for life with protection that lasts up to 100.

30-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 Final Expense Plan features

There are only two requirements in order to qualify for protection under Specialty Life's Final Expense Insurance plan:

  • You are between the ages of 18 and 74

  • You have a home address within Canada

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

Final Expense Plan will provide guaranteed coverage to age 100.


Rates are dependent only on age, gender, and smoking status. Your health condition or health history has no effect on your premiums.

New applicants are rated in 5-year bands beginning at age 30. At the end of every 5-year band, premiums for the insured are reviewable and may increase.
We guarantee, however, that any adjusted premiums will be less than a new applicant would pay at the same age.

Coverage amount

Final Expense Plan offers coverage up to $50,000. This plan also includes Accidental Death coverage up to $200,000 at no additional cost.

Policy exclusions

The death benefit will not be paid under the following circumstances:

  • If death occurs within the first 2 years from the effective date or latest reinstatement. However, there will be full refund of premiums paid.

  • 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.

30-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