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Our Final Expense Plan remedies this issue by providing people in Saskatchewan with affordable and accessible coverage options. This life insurance plan can work for anyone with cancer, no matter your current health status. If you have just been diagnosed with cancer or are currently in remission, you can qualify for our life insurance coverage.

The benefits of our process and the Final Expense Plan

Simplified applications

You only need to be between 18-74 and have a permanent address in Saskatchewan for guaranteed acceptance.

No medical tests

When you apply, there are no medical exam requirements at any point in the process.

Get approved instantly

During our simple online application, you know right away if you are approved for our final expense plan.

Accidental death plan

Not only do you have coverage for your final expenses, but you also get access to accidental death coverage for no additional fee. If you pass away due to an accident, your benefit is four times the original coverage amount.

Age 100

Your plan remains in force until you reach age 100.

Tax-free coverage guaranteed

All benefits of our final expense plans are 100% tax-free.

No citizenship? No problem

You do not have to be a Canadian citizen to qualify for coverage under the final expense plan.


We’ve already helped thousands in Saskatchewan with cancer get access to affordable and reliable life insurance coverage. Our Final Expense Plan is the easiest way to ensure your debts will not pass on to the people who matter most if something happens to you.

Apply for your free no-obligation quote now and get a complete list of your plan options without speaking with an advisor.

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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