Our final expense plan coverage is an excellent alternative to traditional plans, and you can get covered even as you are going through your cancer treatments. Whether you are still fighting cancer or have been cancer-free for some time, our plan offers guaranteed acceptance with affordable, fixed premiums.

Benefits of our life insurance coverage

Your acceptance is always guaranteed. As long as you are between the ages of 18-74 and have a permanent residence in Alberta, you are guaranteed coverage.

No matter your current cancer diagnosis, how far into treatment you are, or if you are in remission, you are completely eligible for our Final Expense Plan.

Our plan offers instant issue coverage. You don’t have to wait to see if you qualify for coverage or for your plan to take effect.

Accidental death coverage is also available as additional protection, providing up to four times your plan’s original benefit if your death is accidental.

You are fully covered up to age 100 with our final expense plan.

The benefits paid to your beneficiaries are guaranteed tax-free.

You do not have to be a Canadian citizen to be eligible for our coverage options.

Our goal is to make life insurance easier for residents of Alberta who have cancer. With a simplified application process, no medical exams, and no face-to-face meetings with agents, our Final Expense Plan allows more people to find the coverage they need for the people who matter most.

To learn more about your coverage options and get a free no-obligation quote, please complete our short online application now.

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.