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We have a simplified application process that allows you to get your final expense plan faster, with no barriers stopping you from getting the coverage you need.

A quick look at our Final Expense Plan for residents of Manitoba

Your coverage is guaranteed

Our plan only has two simple requirements: be between 18 and 74 and have a permanent address in Manitoba.

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. Your health has no impact on your eligibility for coverage.

Completely online application

There are never any face-to-face meetings with agents when applying for the Final Expense Plan. You can learn about your coverage options, get a free quote, and purchase your policy online with our simple online application.

Instant approval coverage

There are no lengthy waiting periods after you purchase your plan. Once you get your coverage, we issue and active your plan as quickly as one business day.

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 to age 100

You will always have the coverage you need at any moment. With our plan, you’re completely covered up to age 100.

Money-back guarantee

We offer a 30-day money-back guarantee, giving you time to ensure your plan is working for your needs worry-free.

Additional benefits of the Final Expense Plan
Along with our simplified application and easy eligibility process, the final expense plan has additional benefits like:

Accidental death coverage

If your death is the result of an accident, this bonus coverage will provide your beneficiaries with up to four times your plan’s original death benefit.

No need for citizenship

You do not have to be a citizen to qualify for coverage.

Tax-free payouts

After a claim, your beneficiaries will receive your plan’s benefit entirely tax-free.


Our team has helped thousands in Manitoba get the final expense plan that works best for their needs and budgets. If you would like to receive a free quote and get coverage now, please use our simple online form to get started!

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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