Specialty Life Insurance

Instant Life Insurance in Ontario

Guaranteed acceptance,
simple application, fast & affordable.

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Our Final Expense Plan is instant, affordable life insurance for residents of Ontario. The application process is straightforward with no medical exams or complicated paperwork. Get up to $50,000 in tax-free coverage now for funeral expenses and other final needs.

Key Benefits of our Final Expense Plan
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.

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.

Review your plan

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

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