Specialty Life Insurance

Excelsior Plan

Funeral & final expenses coverage made easy for Canadians.

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Our Excelsior Plan is instant, affordable life insurance with no medical exams or health questions asked*. The application process is straightforward, without any complicated paperwork. Get up $50,000 in tax-free coverage now for funeral expenses and other final needs.

Key Benefits of our Excelsior Plan

Financial coverage for your funeral expenses

Your family will receive up to $50,000 of tax-free benefit to cover all expenses associated with a funeral and final arrangements.

Stress-free application

With no medical exams or lengthy paperwork applying is simple, easy and stress-free.

Money-back guarantee

Take 10 days to review your plan and if you are not completely satisfied receive a full refund.

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

* There is a single health qualifying question: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill”