Specialty Life Insurance

Instant Life Insurance in Manitoba

Guaranteed acceptance, simple online application, fast & affordable.

Get Quote & Apply

With our Final Expense Plan, you could get up to $50,000 worth of instant life insurance coverage in less than 10 minutes! There are no hassles, no headaches, no complicated paperwork, just guaranteed tax-free coverage regardless of your previous health history.

Key Benefits of 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.

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.

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