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From application to getting a free quote to purchasing your final expense plan, our entire process is easy and stress-free, so you can get the coverage you need faster.

How our Final Expense Plan works for British Columbia residents

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.

The simplicity of our Final Expense Plan
Our policy provides additional coverage options and simplified requirements, making the plan as accessible and comprehensive as possible.

Accidental death benefit

With this additional protection, your beneficiaries will receive up to four times the plan’s original benefit if your death is accidental.

No citizenship? No problem

We don’t require you to be a Canadian citizen to apply for our final expense plan.

Tax-free benefits

The benefit of the final expense plan is entirely tax-free and paid to your beneficiaries directly after a claim.


Our simple process has helped thousands in British Columbia find an affordable Final Expense Plan that best meets their needs and budget. Are you interested in discovering your options? Get a free quote and purchase your plan now using our simple 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.
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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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