$33 Billion
of coverage provided to Canadians
40,000
Canadians protected
What is Excelsior?
Our Excelsior Plan is an affordable life insurance policy that is offered with instant approval, no medical exams or health questions asked. Upon your passing, your loved ones receive up to $50,000 in tax-free benefit to help cover funeral expenses, final costs, or any other financial needs.
Start Your Free QuoteKey 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.
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
Excelsior provides permanent, lifetime coverage
Your policy includes an Accidental Death Benefit at no additional cost, which triples your coverage amount. As an example, coverage of $50,000 will payout $150,000 in case of a fatal accident. This feature is in force till age 71.
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.
If you are not absolutely satisfied with your plan, let us know and receive a full refund.