For British Columbians over the age of 50, choosing a life insurance plan can be difficult, thanks to the complexities of traditional coverage options on the market. These plan options often have demanding application processes that involve invasive medical exams, lengthy health questionnaires and multiple meetings with agents.

Our Over 50 Life Insurance coverage removes the significant barriers Canadians face when applying for traditional coverage. We don’t require any meetings with agents or long and complicated paper applications to see if you qualify for a policy when applying for our plan. We’re here to help as many Canadians over 50 get reliable and affordable life insurance solutions to help those who matter most to them.

How our Over 50 Life Insurance works for British Columbians

Coverage guaranteed

If you are between the ages of 18-74 and have a permanent residence in BC, you cannot be turned down for coverage.

Zero medical exams

Your health and family health history cannot impact your eligibility for our Over 50 Life Insurance plan.

Coverage to 100

Your plan will remain active up until age 100.

No face-to-face meetings

When you apply for coverage, you never have to meet with an agent or fill out any paperwork. Our process is done entirely online through our simple application.

Accidental death plan

You get access to accidental death coverage after purchasing our Over 50 Life Insurance. This extra coverage provides you with up to four times your plan’s benefit if you pass away due to an accident.

We’ve helped thousands of Canadians over the age of 50 in BC finally get the affordable coverage they deserve. Our Over 50 Life Insurance provides you with simplified coverage at a comfortable price that can work with any budget. Use our short online application now to discover your plan options and get your free quotes.

Find out more about our plan details:

Final Expense Plan - Over 50+ Life Insurance - 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 - Over 50+ Life Insurance - 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 Learn more about Accidental Death Benefit exclusions now.

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.