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Are you looking for coverage for your funeral expenses? Our Final Expense Plan provides reliable and affordable financial protection for your loved ones for end-of-life costs and other remaining debts.

A closer look at our Final Expense Plan for residents of Nova Scotia

You cannot be denied coverage

We only have two requirements for our policy: be between 18-74 and have a permanent residence in Nova Scotia.

No nurse visits, no needles, no medical exams

Your health cannot get in the way of your eligibility. We do not require medical exams of any kind 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

After a claim, your beneficiaries get your plan’s benefit and can choose to use it in any way they wish.

Coverage to 100

Your coverage remains in force until 100, giving your lifelong protection.

Review your plan stress-free

We give you 30-days to ensure the coverage is working best for your needs. If you are unhappy with your insurance, we’ll 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.

Tax-free plan benefits

Your beneficiaries never have to worry about taxes on their benefit after submitting a claim.


We are experts in the final expense life insurance field and have helped thousands of Nova Scotians find their ideal plan. Learn about your plan options now and get a free quote through our short and straightforward online application.

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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