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After the age of 50, our needs for life insurance change. Your kids have gotten older and are tackling new milestones in life like buying a home, or you may have grandchildren in your life. There are still multiple reasons to get the coverage you need from the right life insurance plan. But unfortunately, traditional coverage options make it harder for people 50+ to apply and get an affordable policy.


If you live in Manitoba and are over 50, our Over 50 Life Insurance plan offers a simple way to find and purchase life insurance coverage. Our process requires no medical exams or other significant application barriers that are present in traditional life insurance policies. We’re making it easier than ever before to get the coverage you need for the people who matter most to you.

How people in Manitoba can benefit from our Over 50 Life Insurance plan

No denials

As long as you are between the ages of 18-74 and have a residence in Manitoba, you are guaranteed coverage.

No need for medical exams

There are never any medical exam requirements when applying for coverage.

Security to age 100

You have reliable and affordable coverage that stays in place up to age 100.

Easy online application process

There are no face-to-face or over-the-phone meetings with agents with our process. Applying for coverage, getting free quotes and purchasing a plan are all done through our simple online form.

Accidental death coverage

Not only do you get life insurance coverage with our Over 50 Life Insurance plan, but you also get accidental death coverage at no additional cost. If you pass away due to an accident, your beneficiaries will get up to four times your policy’s original death benefit.


Our team works across Manitoba, helping Canadians over 50 find affordable and reliable life insurance coverage. With our Over 50 Life Insurance plans, we’re making the application and buying process more accessible than it has ever been before. Get a free quote and see your coverage options now with your straightforward online application.

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.
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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.

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