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Final Expense Life Insurance
$50,000
$5000
$5000$100000

We compare prices among Canada’s top insurers- you save money

Final Expense Life Insurance
starts at $30/month

Yes, you read that right

Our Final Expense Life policies are affordable and easy to qualify for, regardless of your health condition. Just tell us about yourself and we’ll recommend policies that fit your needs and budget. Get approved within 24 to 48 hours. No Medical exams, no needles.

Apply over the phone

Our application can be done over the phone within minutes and is processed securely online. Get the fast, hassle-free coverage you need without ever having to leave your home. Our advisors will handle the paperwork for you.

Policy Made just for you

We make sure to find you the most competitive premiums and payment options to find what works best for you. You can relax knowing that your premiums won’t cause any financial strain.

No Medical Hassle

You can get coverage without having to go through a complicated process.

Free & Unbiased advice

Our expert advisors work for you, not the insurance companies. We search the market for the best rates so you can be sure you’re getting the best deal possible.

Including

Get covered without breaking the bank

Our premiums are competitive and you can choose the payment plan that works best for you. So you can relax and know that your premium payments won’t cause any financial strain.

You can trust us

Our policies are backed by a world-renowned company, so you know your family is in good hands.

We go where they go

If something does happen, your loved ones can use the money for any expense they need. From funeral costs, medical bills to outstanding debts. Whatever it is, final expense life insurance can help.

Protection for Life’s Downs

Your premiums will stay the same for the duration of the policy, so it’s a great option for long-term peace of mind.

Policy Made just for you

We make sure to find you the most competitive premiums and payment options to find what works best for you. You can relax knowing that your premiums won’t cause any financial strain.

No Medical Hassle

You can get coverage without having to go through a complicated process.

Free & Unbiased advice

Our expert advisors work for you, not the insurance companies. We search the market for the best rates so you can be sure you’re getting the best deal possible.

Including

Get covered without breaking the bank

Our premiums are competitive and you can choose the payment plan that works best for you. So you can relax and know that your premium payments won’t cause any financial strain.

You can trust us

Our policies are backed by a world-renowned company, so you know your family is in good hands.

We go where they go

If something does happen, your loved ones can use the money for any expense they need. From funeral costs, medical bills to outstanding debts. Whatever it is, final expense life insurance can help.

Protection for Life’s Downs

Your premiums will stay the same for the duration of the policy, so it’s a great option for long-term peace of mind.

What is Final Expense Life Insurance?

Final expense insurance is usually made for seniors who are starting to think about their funeral costs or worried about other financial burdens that your loved ones might incur after you’re gone. Final expense insurance is a type of permanent life insurance. The major differences between a Final expense and traditional permanent life insurance policies are:

  1. Final expense policy offers a smaller death benefit
  2. Final expense policy is more easily approved regardless of your health condition and without a medical exam.

Following a policy holder’s death, Final Expense life insurance is meant to help loved ones pay for a funeral service, medical costs, or other unexpected end of life expenditures. A Final Expense policy can provide up to $50,000 of coverage with premiums that don’t change during the life of your policy.

How much does it cost to get a final expense insurance?

The average final expense premium costs between $30-$150 per month depending on your age, gender, health condition, coverage amount, and the insurance carrier you choose.

Age / Sex

Coverage Amount

$100K

Coverage amount
$250K

Coverage amount
$500K

Coverage amount
$1M

25 years old 
Female

$8.73

$13.50

$21.15

34.20

25 years old 
Male

$10.08

$17.77

$29.70

$51.30

30 year old 
Female

$9.00

$13.72

$22.05

$36.00

30 years old 
Male

$10.35

$17.77

$29.70

$52.20

35 years old 
Female

$10.17

$15.07

$23.40

$40.50

35 years old 
Male

$11.43

$19.35

$31.95

$54.90

40 years old 
Female

$12.42

$20.47

$34.20

61.20

40 years old 
Male

$14.40

$27.45

$45.35

$82.64

45 years old 
Female

$16.65

$30.38

$52.65

$98.10

45 years old 
Male

$21.15

$42.52

$70.38

$130.22

50 years old 
Female

$25.11

$47.92

$85.05

$152.80

50 years old 
Male

$33.21

$70.20

$117.20

$223.77

55 years old 
Female

$40.86

$83.92

$152.55

$280.22

55 years old 
Male

$56.97

$125.83

$214.20

$406.80

Frequently asked questions

Why do I need Final Expense Insurance?

The average funeral in Canada can cost $10,000 or more, a hefty bill the average Canadian family may not be prepared to meet. If you’re looking for a policy specifically to help cover these end of life costs, then Final Expense insurance is likely a good fit. It is also a good option if you are looking to lessen the financial burden after your death. It allows your loved ones to use the lump sum amount of death benefit for a lot of other expenses such as outstanding medical bills, debts or personal loans that they need to pay in your absence, as opposed to just covering funeral costs.

Will my beneficiaries need to pay tax on the death benefit?

The final expense payout is 100% tax-free. All causes of death are included (health or non-health-related in most cases).

Will the premiums increase over the age or duration of the policy after getting approved?

In almost all cases, absolutely not. Your monthly price is fixed for the duration of the policy and cannot be changed by the insurance carrier.

Do I have to get a medical exam to get approved?

No. Final Expense insurance is designed differently than other life insurance policies. You only have to answer a few health questions that will skip the need for a medical exam or blood test.