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Our final expense plan makes it easy for residents of Ontario to get affordable and dependable coverage. The application process is straightforward and can be done entirely online without ever having to complete any paperwork. Get up to $25,000 in tax-free coverage now for your final expenses and other end-of-life debts.

How our Final Expense Plan works for Ontarians

No denials

There are only two simple requirements for our plan: you need to be between 18-74 and have a permanent residence in Ontario. Your acceptance is guaranteed if you pass those two easy requirements.

No medical exams are needed

If you are concerned about your health affecting your eligibility, don’t be. Our final expense plan does not require you to undergo a medical exam when you apply for coverage.

Quick online process

Everything from getting a free quote to discovering your plan options to purchasing your coverage is available through our short and quick online application process.

Get instantly approved

You immediately know when you are approved for coverage. There are no waiting periods to see if you are covered or not when you apply.

Coverage for the people who matter most

Your beneficiaries have complete control over the benefit they receive for your plan. They can use it to help with funeral expenses, mortgage payments, and more.

Financial protection to age 100

Our plan stays in force for life, giving you reliable financial coverage up to age 100.

Review your plan

You have 30-days to review your coverage and get a full refund if you decide to cancel.

Some extra benefits of the Final Expense Plan
Our plan comes with three unique benefits that set it apart from other coverage options on the market.

Additional accidental death coverage

Get up to four times your plan’s initial benefit if your death is an accident.

No citizenship needed

You don’t need to be a citizen to apply for our plan.

Tax-free plan benefits

Our payouts are always 100% tax-free.


We know the issues people in Ontario have experienced with getting insurance for their final needs. That is why we created our Final Expense Plan. Its simplicity and affordability make it the best choice for Ontarians in looking for coverage for their final expenses. Learn about your options and get a free no-obligation quote now with our 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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