No medical
life insurance
for final expenses

Apply with no exams
Get covered for life
Premiums don’t change

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In order for us to meet your day-to-day needs and our legal obligations, we need to collect, use and disclose the personal information you provide for the purposes of:

Providing you with an insurance quote
Communicating with you regarding your quote
Issuing your insurance contract, if applicable

By clicking Get My Quote, you authorize us to collect, use and disclose your personal information and the personal information of any person who may be insured under your insurance contract in accordance with privacy regulations and our Privacy Policy, which you can consult before you consent. By clicking Get My Quote you also authorize Specialty Life, its service providers, and/or affiliates to contact you at the number provided via phone, and/or text (SMS) using automated dialling technology for marketing purposes. Not a condition for purchase. Message and data rates may apply. To opt-out at any time reply “STOP” or contact us. For more information please ready our Terms and Conditions.

We offer a specialized life insurance plan
designed to cover final expenses such as:

funerals
memorial services
medical bills
outstanding debts
other end-of-life costs

These expenses can quickly add up and leave a financial burden on your family.

With our guaranteed plan, you can secure a tax-free benefit of up to $50,000. After your passing, your loved ones can use it right away to pay for funeral services, settle debts, or handle other urgent expenses.

This final expense coverage can be especially valuable for seniors and Canadians without significant savings, as it helps protect family members from financial hardship. Getting a life insurance benefit means they can focus on what truly matters — remembering and honoring your life — instead of worrying about how to pay for memorial services. It’s an affordable way to leave behind security, dignity, and lasting peace of mind.

Key features:

Easy eligibility

Any Canadian between the ages of 18 and 80 can apply.

No medicals

Absolutely no doctors or lab tests. The entire application is completed over the phone.

Fixed premiums

Once you receive a quote based on your coverage amount, age, gender, and smoking status, your monthly payment does not change. Ever.

Quick approval

Get your policy in as little as 24 hours. Rare cases may take longer, but it’s never weeks or months of waiting.

What Our Clients Say

More plan details:

Coverage lasts for your lifetime. Monthly payments remain the same and are payable until your 100th birthday — after that, coverage continues at no cost.
Coverage amounts available with this plan:
Ages 18–70: choose from $5,000 up to $50,000
Ages 71–80: choose from $5,000 up to $25,000.
The plan includes an Accidental Death Benefit at no additional cost. This pays out 3 times your chosen coverage amount until age 70. After age 70, the AD&D benefit equals your chosen coverage.
You cannot be denied this coverage due to your health history. The only health-related requirement is to answer “No” to the following question:
“Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”
You have a 10-day free look period. During this time, you can change your mind, cancel your plan, and receive a full refund.

Got Questions?

Get answers from a licensed advisor to your most common life insurance questions.

See Our Frequently Asked Question

No medical life insurance for final expenses