Key Benefits of our Excelsior Guaranteed Life Insurance Plan:
Instant approval up to $50,000 for all Canadian residents ages 18 to 70 , and up to $25,000 for ages 71-80.
No medical exams
There are no obstacles between you and the protection you need. In fact, your health has no effect on your rates or eligibility for this plan.
Funeral expenses coverage
Your loved ones can use the benefit to cover funeral expenses, final bills or however they see fit.
This coverage does not stop when you need it most, and your plan remains in force for a lifetime.
Fixed rates for a lifetime
Your rates are guaranteed to stay level, ensuring there are no surprise increases in the future.
What our clients say
Explore our Excelsior Plan features
There are just 3 eligibility requirements:
Be between the ages of 18-80
Be a Canadian citizen or permanent Canadian resident
Answer “No” to: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”
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
Excelsior provides permanent, lifetime coverage
Rates are guaranteed to stay fixed throughout the duration of the policy.
Rates are dependent only on coverage amount, age, gender, and smoking status. Your health condition or health history has no effect on your premiums.
Excelsior plan offers coverage from $5,000 up to $50,000 for ages 18-70 and $5,000 to $25,000 for ages 71-80
Complimentary Accidental Death Benefit
Your policy includes an Accidental Death Benefit at no additional cost, which triples your coverage amount if the policy is acquired before you turn 71. This means, should an accident occur, your benefit would increase from the original coverage of $50,000 to an enhanced $150,000.
10-Day Money Back Guarantee
If you are not absolutely satisfied with your plan, let us know and receive a full refund.
* The age limit is based on age nearest within the calendar year - must be closer to age 80 within the year to qualify.