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We’re helping residents of Ontario over the age of 50 find affordable and reliable life insurance coverage to provide financial security to their loved ones. For too long have many Canadians in Ontario struggled with traditional life insurance coverage and the many barriers insurers require people to go through to simply apply for a plan. From medical exams to lengthy applications, many unnecessary requirements make it more complicated than ever to find the right life insurance plan.


Our Over 50 Life Insurance plan removes these pitfalls that traditional life insurance options require, making applying for and purchasing financial security much more streamlined and faster. There are no medical exams, paper applications or meetings with agents, just a simple online application process that you can complete in minutes.

Our Over 50 Life Insurance and how it works for Ontario residents

Your acceptance is guaranteed

We only have two simple requirements: be between the ages of 18-74 and have a permanent address in the province of Ontario. If you meet these two requirements, your acceptance is guaranteed.

Zero medical exams

We never require you to undergo a medical exam when applying for our Over 50 Life Insurance plan.

You are covered for life

Your coverage lasts up to age 100, providing you with lifelong, reliable protection for your loved ones.

Coverage entirely online

There are no meetings with agents to schedule or endless amounts of paperwork to complete. Our process is completely online, with a quick application and purchasing process that you can complete in minutes.

Additional protection at no cost

You also get access to our accidental death plan when you purchase the Over 50 Life Insurance plan. This additional coverage provides up to four times your plan’s original benefit to your beneficiaries if your death is the result of an accident.


Our Over 50 Life Insurance plan has provided thousands of Ontarians with affordable and reliable financial security for their families. Please complete our short online application to get a comprehensive list of your plan options and free no-obligation quotes. If you like your options, you can purchase your coverage directly from our site and have your plan active within one business day.

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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