Our Final Expense Plan takes life insurance in a different direction. We do not require you to undergo a medical exam to apply or complete a mountain of paperwork for your application. Our process is streamlined and quick, allowing you to apply for and purchase a plan entirely online in minutes. Whether in remission or just starting your treatments, you are guaranteed to qualify for our Final Expense Plan.

How our plan works for residents of Manitoba with cancer

Your acceptance is guaranteed

If you are between the ages of 18-74 and have a permanent residence in Manitoba, you cannot be denied.

Your diagnosis cannot affect your eligibility

Our plan works for anyone with cancer. If you are in remission, newly diagnosed, or have been in treatment for some time now, you can qualify for the Final Expense Plan.

Instant approval and issue

You know immediately when you are approved for our plan, and once you are approved, your coverage begins the same day.

Extra protection

You also benefit from our accidental death benefit when you purchase our final expense plan. If you pass away due to an accident, your beneficiaries will receive four times your plan’s original benefit.

Lifelong coverage

The financial security offered by our final expense plan lasts until age 100.

Tax-free benefits

When your beneficiaries receive your plan’s benefit, it is always guaranteed tax-free.

You don’t have to be a citizen

Canadian citizenship is not required to be eligible for our policy.

We’ve helped many people in Manitoba with a cancer diagnosis find the coverage they need for their families. Our job is making life insurance easier to obtain, especially for those with cancer. The simplified process we offer and our accessible plan options make affordable coverage a reality for those who have struggled to get insured in the past.

To get your free quote and see a list of options that can work for your needs, please complete our short online application now to get started.

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.