Coverage with Specialty Life Insurance is made easy with our quick and barrier-free application process and simplified eligibility requirements.

How we make our Final Expense Plan accessible to Canadians in New Brunswick

Guaranteed issue coverage

You cannot be denied coverage due to your health or past insurability. Our plan only requires you to be between the ages of 18 to 74 and have a permanent residence in New Brunswick.

No medical exams at any point

We’ve removed the most significant barrier for Canadians applying for life insurance. Our Final Expense Plan doesn’t require you to undergo a medical exam during your application.

Apply and buy online

You don’t have to worry about scheduling agent meetings or completing mountains of paperwork. You can apply for and purchase your plan in minutes with our simple online application.

Get instantly approved

When you apply, you know in seconds if you are approved for coverage.

Provide loved ones with financial coverage

Your beneficiaries have complete control over what to do with your plan’s benefit.

Lifelong financial protection

The final expense plan offers complete protection to you for life, with coverage that stays in force until age 100.

Money-back guarantee

Unsure of your new plan? No problem, take 30 days to see if our plan works for you. If not, let us know, and we will give you your money back.

Extra benefits that make our Final Expense Plan special
We’re all about accessibility with our coverage options. That’s why our plans have simple applications and additional benefits such as:

Coverage for accidental deaths

If you pass away due to an accident, your beneficiaries will receive up to four times your plan’s original benefit.

We don’t require citizenship

Unlike most traditional plans, our coverage doesn’t require you to be a Canadian citizen to be eligible for a policy.

Entirely tax-free benefits

Our benefits are always 100% tax-free.

We work across New Brunswick and specialize in providing people with simplified Final Expense Plan coverage. No matter your budget or financial needs, we can help you find a plan that works for you. If you want to learn more about your plan options and get a free no-obligation quote, please use our short online application now.

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.