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Our Final Expense Plan helps remedy this need for financial security with a simple application and relaxed eligibility requirements. At Specialty Life Insurance, we don’t require you to undergo a medical exam or complete a mountain of paperwork when you apply. Also, your current condition status doesn’t affect your application, allowing you to apply while in remission, undergoing treatment, or if you’ve just been diagnosed.

Our Final Expense Plan and its benefits for residents of Nova Scotia with cancer

Eligibility made easy

Be between 18-74 and have a permanent residence in Nova Scotia. Your acceptance is guaranteed if you can meet these two simple criteria.

Your health has no impact

We do not require you to undergo a medical exam. Your health does not affect your application.

Instant coverage

When you apply for coverage, you know right away if you’re approved or not. Also, when you purchase a plan, it takes effect the same day.

Accident insurance

Our Final Expense Plan has bonus coverage for accidental death. If you pass away due to an accident, your beneficiaries will receive up to four times your plan’s original benefit amount.

Up to age 100

Your final expense plan remains in force up to age 100. So, you always have the coverage you need with no premature cancellations by us.

Always tax-free

Your plan’s benefit is always guaranteed tax-free.

No citizenship requirements

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


Canadians with cancer across Nova Scotia have turned to our affordable and accessible life insurance coverage to help their loved ones. The Final Expense Plan is designed to ensure more Canadians in need of financial security can get the plan they need at a comfortable price.

If you would like to discover your coverage 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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