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Our Final Expense Plan makes getting coverage for your end-of-life costs easier. We have removed the most significant barriers stopping Canadians from getting the coverage they need for the people who matter most.

A detailed look at our Final Expense Plan for residents of Newfoundland and Labrador

Your acceptance is guaranteed

If you are between 18 to 74 and have a permanent residence in Newfoundland and Labrador, you cannot be denied coverage under our Final Expense Plan.

Never undergo a medical exam

Are you worried about your health getting in the way of your coverage eligibility? With our plan, we do not require you to undergo a medical exam when you apply.

Our process is entirely online

You can get coverage without having to meet an agent face-to-face, completing a mountain of paperwork, or a lengthy application process.

Instant approvals

Our process lets you know if you are approved for coverage in seconds and gives you a list of plan options.

Give your beneficiaries choice

Your beneficiaries can use your plan’s benefit in any way they wish.

Coverage to 100

Your coverage doesn’t end until you want it to; otherwise, it stays active until you reach age 100.

Review period

We give you up to 30 days to make sure the plan works for you. If there are any issues, we can give you a full refund.

Additional benefits of our Final Expense Plan
We have three unique extra benefits that make our plan more accessible and offer more financial support during a difficult time.

Accidental death benefit

This bonus coverage aspect of our Final Expense Plan offers up to four times the death benefit amount if you pass away due to an accident.

No citizenship requirements

You do not need to be a Canadian citizen to be eligible for our policy. This feature of our final expense coverage makes it great for new immigrants to Canada.

Benefits paid tax-free

Your beneficiaries are guaranteed to receive a tax-free benefit after a claim.


We have years of experience provide guaranteed issue Final Expense Plan coverage to residents of Newfoundland and Labrador. Our team can help you find a plan that meets your financial needs and works with your ideal budget. To learn about your options and receive a free quote, please use our simple 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.
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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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