To make getting life insurance easier on Canadians with cancer, we’ve removed many of the troublesome requirements found in traditional plans. With our Final Expense Plan, you never have to undergo a medical exam meaning your health status does not affect your eligibility. So, if you are currently undergoing treatment or just entered remission, you are eligible for the Final Expense Plan.

How our Final Expense Plan helps Canadians in PEI with cancer

Easy eligibility requirements

We offer guaranteed acceptance as long as you are between 18-74 and have a permanent residence in Prince Edward Island.

No medical exams

From applying for a free quote to purchasing your coverage, there are never any medical exams for you to undergo.

Your acceptance and coverage are instant

When you apply, you know instantly if you are approved or not. Also, if you decide to make a purchase, your plan is active the same day.

Accidental death coverage

If your death results from an accident, your Final Expense Plan pays your beneficiaries up to four times your original benefit amount.

Coverage to age 100

Your plan stays in force until age 100 and can only be cancelled by you.

The benefits are tax-free

After a claim, your beneficiaries will receive your plan’s benefit 100% tax-free.

Citizenships not required

Our plan does not require you to be a Canadian citizen, making this coverage ideal for anyone in Canada.

If you live with cancer in PEI, our Final Expense Plan offers the most affordable and accessible way to get the life insurance you need for your loved ones. We’ve helped thousands in PEI find coverage that meets their unique needs and fits into their desired budget.

For a free quote and a list of coverage options tailored to you, 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.
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.