Let’s make something great together.
Schedule a Meeting
Ensure your family isn’t left struggling with costly funeral expenses. Let's plan ahead to give them comfort and financial peace.
Get the assured best price, every time.
Simple steps for easy understanding and no confusion.
Fast, reliable claim assistance when needed.
We provide services in BC, ON, SK, AB & MB.
Final Expense Life Insurance is a whole life insurance policy designed to help cover end-of-life expenses, such as funeral costs, medical bills, and outstanding debts. Unlike traditional life insurance, it offers smaller coverage amounts, making it an affordable option for those who want to ease the financial burden on their loved ones. With fixed premiums and guaranteed coverage, this policy ensures that your beneficiaries receive a tax-free death benefit to manage final expenses without added stress.
Final Expense Life Insurance provides lifelong coverage with a fixed premium and guaranteed death benefit. Once approved, your policy remains active as long as premiums are paid. Most plans do not require a medical exam, making approval easier. The death benefit is paid directly to your beneficiaries, who can use it for funeral costs, medical bills, or outstanding debts. This policy offers a straightforward and affordable way to ensure your loved ones are financially protected.
Get QuoteFuneral costs, medical bills, and outstanding debts can create a financial strain for families. Final Expense Life Insurance helps cover these expenses, ensuring your loved ones are not left struggling to pay for them. Without this cover, your family may have to dip into savings or take on debt to manage these costs. This policy provides a simple and affordable way to plan ahead, giving you peace of mind knowing that your final expenses will be taken care of.
Follow simple steps to get personalized Visitors Insurance for health protection.
Click on Apply Now to schedule a free consultation with the founder.
Provide the required documents to complete your insurance application.
Get protected with reliable Final Expense Life Insurance
Schedule your meeting to get a customized policy today.
Apply NowReceive a personalized insurance policy designed to meet your specific coverage needs.
Once approved, you’ll receive your insurance certificate and be fully covered.
Final Expense Life Insurance offers several benefits to help ease the financial burden on your loved ones:
Choose a coverage amount that fits your needs, typically ranging from $5,000 to $30,000.
Many policies need health questions only, no medical exams required.
As long as premiums are paid, your coverage remains in effect for your lifetime.
Enjoy premiums that remain constant, regardless of changes in age or health status.
Beneficiaries typically receive the death benefit free from federal income tax.
Apply over the phone and, in many cases, receive a decision within minutes.
Funds cover funeral costs, debts, or any urgent expenses your loved ones face.
Gives your family comfort knowing final costs are already taken care of.
Some provinces allow you to pre-pay for funeral expenses, potentially locking in costs at today’s rates. However, pre-paid funeral plans are generally less flexible than final expense insurance, as they can only be used for funeral services. If you move or change your funeral preferences, your family may not be able to recover the funds already paid. It is essential to keep detailed documentation and ensure that your chosen plan aligns with your long-term needs.
Give your loved ones the gift of peace by covering final costs and avoiding financial stress during grief.
Schedule a MeetingSelecting a Final Expense Life Insurance policy with a named beneficiary empowers your loved ones to receive the death benefit quickly, usually within 24 to 72 hours and tax-free. They can use the funds as needed for funeral costs, medical bills, debts, or travel. Unlike preneed funeral plans that restrict funds to specific providers, final expense policies are issued by regulated insurers and backed by state guaranty associations, offering flexibility, control, and financial peace of mind.
Final Expense Life Insurance comes with additional benefits that offer extra financial security for you and your loved ones.
At no extra cost, this rider provides an additional payout if death occurs due to an accident within the first two years of the policy.
Included in the policy, this benefit allows access to a portion of the death benefit if diagnosed with a terminal illness and given six months or less to live (12 months in CA).
Available for an extra cost, this rider provides an additional payout if the policyholder dies from an accident before turning 100.
Not sure which option fits your needs best? See the comparison table below to understand the key differences.
| Feature | Funeral Pre-planning (Preneed) | Final Expense Life Insurance |
|---|---|---|
| Primary Goal | Locks in funeral service details (casket, location, service type) | Provides a cash payout to a named beneficiary to cover funeral & more |
| Provider | Contract is with a specific funeral home | Issued by a licensed life insurance company with regulatory oversight |
| Funding & Payment Structure | Typically lump-sum or installment to the funeral home; may lock in current prices | Ongoing premiums for a whole-life policy (usually $5k–$25k coverage) |
| Flexibility of Funds | Funds tied to specific services; no flexibility if plans change | Beneficiary can use proceeds for funeral, bills, debts, travel, etc. |
| Protection & Security | Funds may be at risk if the funeral home fails; trust-based protections vary | Insured by regulated carriers and backed by state guaranty funds |
| Payout Timing | Funeral home claim processes typically take 24–48 hours | Typically paid within 24 hours—no probate delays |
| Inflation Protection | Often locks in today’s prices and adjusts for inflation | Fixed benefit; may not fully cover rising future funeral costs |
Fill out the form below, and our team will get back to you within one business day.
Claims Settled
Super Visa Policy
Issued in less than
Discover answers to the most asked questions and find helpful information that resolves common issues quickly, with detailed explanations to guide you every step of the way.
