Our team is making getting insured over the age of 50 easier than it has ever been before. Our Over 50 Life Insurance plan for Canadians living in PEI is designed with ease and accessibility in mind. Unlike traditional policies, our coverage options remove significant barriers like medical exams and face-to-face agent meetings when applying for a policy.

We’re simplifying the insurance application and purchasing processes with our comprehensive and streamlined online application. You can learn about your plan options, get free quotes, and purchase your coverage without undergoing a medical exam or completing any paperwork.

The benefits our Over 50 Life Insurance offers to residents of PEI

Guaranteed acceptance coverage

If you are between the ages of 18-74 and have a permanent residence in Prince Edward Island, you cannot be denied coverage.

Never undergo a medical exam

Medical exams are often the most daunting requirement for a life insurance plan. That’s why we decided to remove them from our Over 50 Life Insurance coverage. Your health status has no effect on your eligibility for our policy.

Full coverage to age 100

Your plan stays in force for life with coverage that lasts up to age 100.

Every aspect is done online

No agent meetings to schedule, no paperwork to complete, and no long applications that can take days to finish. From applying for coverage to purchasing your policy, every step of the process is done entirely online.

Additional accidental coverage

With your Over 50 Life Insurance, you also get access to our accidental death coverage at no extra cost. If you pass away due to an accident at home or work, your beneficiaries will receive up to four times your plan’s original benefit.

Our goal is simple, make getting insured over 50 easier and faster than ever before. Our Over 50 Life Insurance plan helps us provide more Canadians in PEI with effective and affordable coverage through our unique and simple online application process.

If you would like to see your plan options and get your free no-obligation quotes, please complete our short 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.