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Canadians over the age of 50 have more options than ever before to get a reliable and affordable life insurance plan. Unlike traditional life insurance, our Over 50 Life Insurance coverage makes getting insured simple, quick and barrier-free with our unique online application process. The Over 50 Life Insurance plan has helped thousands of Canadians across Newfoundland and Labrador find peace of mind knowing their loved ones will always be financially secure.


We do not require any medical exams or health questionnaires to apply for coverage. Our application process is streamlined and quick, with no paperwork or agent meetings needed. At Specialty Life Insurance, we make the entire life insurance application and purchasing experience as painless as possible so that you can get affordable financial security faster.

How our Over 50 Life Insurance makes it easy for residents of Newfoundland to apply for coverage

You can’t be denied

There are only two simple requirements when applying for coverage: be between the ages of 18-74 and have a permanent residence in Newfoundland and Labrador.

Never undergo a medical exam

With our Over 50 Life Insurance plan, there are no medical exams at any point. Your health will never stop you from finding the coverage you need with our plans.

Coverage for life

Your Over 50 Life Insurance plan remains active up to age 100, so you always have coverage when you need it most.

Simple online process

You can find coverage without agent meetings, filling out mountains of paperwork, or completing long and tedious applications. Our approach is entirely online and can be completed in minutes.

Accidental protection

The Over 50 Life Insurance plan also provides additional accidental death coverage at no extra cost. If you pass away due to an accident, your beneficiaries will receive up to four times your plan’s benefit.


Our goal is to make life insurance as simple as possible, so more Canadians across Newfoundland and Labrador have access to affordable and reliable financial security. If you are interested in a free no-obligation quote and a list of plan options tailored to you, please complete our online application now.

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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