Traditional life insurance plans are often difficult to obtain for people with cancer. Whether it is medical exams, long applications, or high premiums, traditional coverage is not the best option for cancer patients. Our Final Expense Plan removes these barriers, providing affordable coverage for people in remission or those currently undergoing cancer treatments.
Life insurance with cancer for residents of British Columbia
Guaranteed acceptance coverage
You cannot be denied coverage if you are between the ages of 18-74 and have a permanent residence in BC.
Your diagnosis isn’t a barrier
If you are in remission, are in the middle of treatment, or have just been diagnosed with cancer, you can qualify for our life insurance plan.
Instant issue plans
There are no waiting periods to see if you qualify. When you apply for coverage, our online form instantly lets you know if you are eligible.
Additional coverage
Our plan also offers accidental death coverage at no additional fee. So, if you pass away due to an accident, your beneficiaries will receive four times your plan’s original benefit.
Protection for life
When you purchase our plan, you have coverage that lasts until age 100.
Tax-free
The benefits of our coverage are always guaranteed tax-free.
No citizenship required
We do not require you to be a Canadian citizen to be eligible for our plans.
If you live in British Columbia and have cancer, our team is here to ensure you can find the financial coverage you need. With our simplified application process and accessible plan options, we can provide more people with affordable life insurance coverage. At Specialty Life Insurance, we’re here to make getting life insurance with cancer a more straightforward and stress-free experience.
If you want to see your plan options and get a free no-obligation quote, please complete our simple online application form 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.
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