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We’ve seen this experience first hand and decided to provide Canadians with another option. Our Final Expense Plan is accessible and affordable coverage designed to provide more people with financial security when they need it most. With our policy, your condition’s status does not affect your eligibility. You can find a plan whether you’re in remission or still undergoing treatment.

The details about our Final Expense Plan

Two simple requirements

Eligibility for the Final Expense Plan depends on two factors: be between the ages of 18-74 and have a permanent residence in Newfoundland. If you meet these two conditions, your acceptance is guaranteed.

Your diagnosis is not a barrier

With no medical exams required, your cancer diagnosis cannot impact your eligibility for coverage.

Get approved fast

When you apply online with our easy process, you immediately know if you are approved for coverage.

Four times your plans benefit

You also get access to our accidental death benefit when you purchase a final expense plan. This additional coverage provides up to four times your plan’s initial benefit if your death is accidental.

Coverage to 100

You get coverage for life with the final expense plan. Your protection cannot be cancelled prematurely by us and lasts up to age 100.

Benefits paid tax-free

If your beneficiaries need to claim, the benefit they receive will always be tax-free.

No citizenship required

Our plan can work for anyone in Canada. We do not require you to be a citizen to be legally eligible, making our final expense plan also ideal for new immigrants.


Working across Newfoundland and Labrador, our team has helped thousands of people with cancer find a Final Expense Plan that meets their needs and fits into their budget. Our simple application process and easy eligibility plan have allowed us to provide life insurance coverage to more people with cancer than ever before.

To see a list of plan options and get free no-obligation quotes, 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.
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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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