Specialty Life Insurance

Guaranteed Life Insurance

Effortless protection - Guaranteed

Guaranteed acceptance
Funeral expenses coverage
Hassle-free application

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Key Benefits of our Excelsior Guaranteed Life Insurance Plan:

Guaranteed acceptance

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.

Permanent Protection

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.

Coverage amount

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.

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

* The age limit is based on age nearest within the calendar year - must be closer to age 80 within the year to qualify.