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At Specialty Life Insurance, we made life insurance more straightforward and affordable for Canadians living with cancer. There are no medical exams, paperwork, or face-to-face meetings with agents when applying for coverage. We have made it easy for anyone with cancer to find coverage. No matter if you are currently undergoing treatment or in remission, we can help you find a plan.

How our Final Expense Plan can help residents of Ontario with cancer

Two simple requirements

To get guaranteed acceptance, you only need to be between 18-74 and have a permanent address in Ontario.

No medical exams

There are never any medical exam requirements when applying for the Final Expense Plan.

Instant issue

Your coverage begins the same day you purchase your plan.

Additional protection

The Final Expense Plan also comes with accidental death insurance at no extra cost. If you pass away due to an accident, your beneficiaries will receive up to four times your initial benefit amount.

Coverage for life

There are no premature cancellations by Specialty Life Insurance, allowing your coverage to remain in force up to age 100.

Tax-free payouts

The benefit your family receives is guaranteed tax-free.

Not a citizen? No problem

Canadian citizenship is not a requirement for the final expense plan.


Canadians with cancer living in Ontario deserve reliable, affordable, and accessible life insurance plans. Our team has years of experience helping Canadians with cancer obtain coverage at a comfortable price.

To get your free quotes and see a list of plan options that can work for your specific needs and budget, 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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