Specialty life insurance offers a final expense plan that is designed with accessibility and simplicity in mind. Our goal is to provide Canadians with cancer with an affordable life insurance option that provides reliable financial protection. We do not require medical exams, paperwork, or face-to-face agent visits to apply for and purchase a plan. Our plan is also available for people at any stage of their cancer diagnosis.

The Final Expense Plan and how it helps New Brunswick residents with cancer

No denials, guaranteed

We only have two simple requirements: be between 18-74 and have a permanent residence in New Brunswick.

Coverage no matter the status of your diagnosis

Whether you are newly diagnosed, have been in treatment for some time, or are in remission, you can qualify for our Final Expense Plan.

Fast approval process

You don’t have to wait for approvals with our plan. With our quick process, you’re approved immediately, and your coverage is active within the same day.

Accidental death coverage

Along with the primary benefit of the final expense plan, you also get additional accidental death coverage. If you pass away due to an accident, your beneficiaries will get up to four times your plan’s initial benefit amount.

Life coverage

The final expense plan remains in force for life. Your coverage only ends at age 100.

Guaranteed tax-free

Your plan’s benefit is always guaranteed to be 100% tax-free.

Not a citizen? You can still apply

Being a Canadian citizen is not a requirement for our final expense plan.

Our team has helped thousands in New Brunswick with cancer find an affordable plan that meets their unique needs. With our simple online application and stress-free process, you can easily qualify for our Final Expense Plan coverage.

For a free no-obligation quote and to see a list of plan options tailored to your needs, please complete our brief 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.