Canadians over the age of 50 in Nova Scotia can face issues applying for life insurance coverage. With traditional plans, barriers like medical exams, paper applications, and endless meetings with agents prevent many Canadians from finding the financial security they need for their loved ones. Our goal is to remove these roadblocks and make getting insured a straightforward and quick process.
Our Over 50 Life Insurance plans are our answer to comprehensive yet straightforward life insurance solutions. There are no medical exams or mountains of paperwork to complete, and you can get insured in minutes using our intuitive online application form.
Our Over 50 Life Insurance and its benefits
Guaranteed acceptance
You cannot be denied coverage so long as you meet our two simple requirements: be between the ages of 18-74 and have a permanent address in Nova Scotia.
No medical exam requirements
There are never any medical exam requirements when you apply for coverage.
Coverage to 100
You have complete financial protection up to age 100.
Apply and buy online
You never meet with an agent or complete mountains of paperwork with our process. The application for our Over 50 Life Insurance is entirely done online and can be completed in minutes.
Accidental death coverage
We also provide additional accidental death coverage with your Over 50 Life Insurance plan. If you pass away due to an accident, your beneficiaries will receive up to four times your policy’s original benefit.
We’ve helped thousands across Nova Scotia find affordable and effective coverage with our Over 50 Life Insurance plan. If you would like to see your options and get free no-obligation quotes, 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.
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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