Our simplified online application process makes getting insured straightforward and fast, with no barriers preventing you from providing your loved ones with financial security.
How our Final Expense Plan works in Saskatchewan
Guaranteed acceptance, no denials
You are guaranteed coverage if you are between the ages of 18 and 74 and have a permanent residence in Saskatchewan.
Your health is never a barrier
We don’t require you to under a medical exam when you apply. Your health status cannot get in the way of your eligibility for our plan.
Online applications
Our simple online application process provides you with free quotes, a list of your options, and a secure way to purchase a plan – all without ever scheduling a meeting with an agent or completing mountains of paperwork.
We instantly approve you
Get approved in seconds with our quick online process.
Financial security for your loved ones
Your plan’s benefit can help cover your final expenses, daily debts or act as a legacy left behind for your family.
Coverage to 100
Your coverage is always there when you need it, with financial protection that lasts up to age 100.
Take 30 days to review your plan
You have up to 30 days to ensure you’re happy with your policy. If there are any issues or you’ve changed your mind, contact us, and we’ll provide you with a full refund.
Three unique aspects of our Final Expense Plan
Our goal is to create a truly unique final expense life insurance option. Aside from making it as easy as possible to get insured, we wanted to make our plan stand out with three additional benefits:
Additional coverage for accidental death
Your beneficiaries receive up to four times more in benefit amounts if you pass away due to an accident.
No citizenship? No problem
You do not have to be a Canadian citizen to be eligible for our final expense plan in Saskatchewan.
100% tax-free benefits
There is never any taxes on your plan’s benefit.
We’ve helped thousands of people in Saskatchewan find their ideal Final Expense Plan. By creating a policy that emphasizes accessibility and affordability, we’ve allowed more people to get the coverage they need for those who mean the most in life.
If you would like a free no-obligation quote and to see your plan options, please use our simple online application now. If you’re happy with your options, you can easily and quickly purchase your coverage right through our form.
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.
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