$33 Billion
of coverage provided to Canadians
40,000
Canadians protected
What is Life Insurance with Cancer and how does it work?
Cancer can be a life-changing condition, but one that has an increasingly positive prognosis for Canadians. Traditional life insurance is available for cancer survivors but it may be rated at a high cost or require several years of remission.
Our guaranteed issue Excelsior life insurance plan can qualify you even during cancer treatments with no change in premiums over a cancer-free applicant. There is no medical exam required and you do not have to answer lengthy health questions to qualify for instant-issue protection.
Start Your Free QuoteKey Benefits of our Excelsior Plan
Key Benefits of our Excelsior Plan
Regardless of your cancer's status—active or in remission—you are eligible if you are a permanent resident of Canada, between the ages of 18-80, and can respond "No" to a critical eligibility question: "Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?"
No medical exam
No need to undergo a medical exam or answer lengthy health questions to obtain coverage.
Permanent protection
This coverage does not stop when you need it most, and your plan remains in force for a lifetime.
10-Day Money Back Guarantee
If you are not absolutely satisfied with your plan, let us know, and receive a full refund.
Explore our Excelsior Plan features
There are just 3 eligibility requirements:
- Be between the ages of 18-80
- Be a Canadian citizen or permanent Canadian resident
- Answer “No” to: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”
Under this plan, there are no medical requirements to get coverage, and you cannot be denied for coverage due to health issues if you meet the above criteria.
Excelsior plan offers coverage from $5,000 up to $50,000 for ages 18-70 and $5,000 to $25,000 for ages 71-80
Excelsior provides permanent, lifetime coverage
Your policy includes an Accidental Death Benefit at no additional cost, which triples your coverage amount if the policy is acquired before you turn 71. This means, should an accident occur, your benefit would increase from the original coverage of $50,000 to an enhanced $150,000.
Rates are guaranteed to stay fixed throughout the duration of the policy.
Rates are dependent only on coverage amount, age, gender, and smoking status. Your health condition or health history has no effect on your premiums.
If you are not absolutely satisfied with your plan, let us know, and receive a full refund.
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