Life is unpredictable, but you can take control by ensuring your family’s financial security. Accidental Death Insurance provides up to $500,000 in coverage, giving your loved ones the support they need in case of an unexpected accident.

What sets our plans apart

Instant approval for a robust $500,000

No lengthy waiting periods, our effortless, streamlined application process ensures you are approved instantly.

No Medical Exams - no health questions

Your health shouldn’t stand in the way of protecting your loved ones. With no medical exams or health questions, getting coverage is simple, fast, and stress-free.

Guaranteed Premiums

Your premiums are fixed and will never increase, providing financial stability and peace of mind.

Additional Coverage & Benefits

Beyond accidental death coverage, our plan includes payouts for serious injuries and benefits such as rehabilitation and daycare support.

Features of our Accidental Death Insurance at glance

Robust coverage up to $500,000


Available to permanent residents ages 18 to 70


Premiums guaranteed to stay level through the duration of the policy


In addition to accidental death, there is coverage for serious injury as well as additional benefits

Accidental Death Insurance: Important questions you are asking

What is Accidental Death Insurance?

Accidental Death Insurance provides a financial benefit to your beneficiary if you pass away due to an accident within 90 days of the incident. Unlike traditional life insurance, which covers death from natural causes, illness, and accidents, this policy strictly covers accidental deaths, ensuring dedicated protection for unexpected events.

Who is eligible?

There are 2 simple eligibility criteria for our plan:

Be between the ages of 18-70

Be a Canadian citizen or permanent Canadian resident

Premiums

What factors affect my rate?

Your rate depends only on the amount of coverage and no other factors.

Are the rates guaranteed for Accidental Death Insurance?

Yes, your premiums are fixed for the entire length of your policy and guaranteed never to increase.

How do I pay for my Accidental Death Insurance?

You can pay monthly or annually using a credit card or pre-authorized debit—whichever works best for you.

Applying for Coverage

How do I apply for Accidental Death Insurance?

Applying is quick and easy. Simply fill out our 1-minute quote request form online, and one of our licensed advisors will reach out to understand your needs and budget. They’ll provide a personalized quote, and if you’re happy with the option, you can complete your application over the phone. In most cases, your policy will be emailed to you within 24 hours, with a paper copy available upon request.

Can I cancel my Accidental Death Insurance policy at any time?

Yes, you can cancel your policy at any time. If you cancel within the 10-day review period, any premiums paid will be fully refunded. After this period, cancellations won’t be eligible for a refund.

Coverage Details

When does coverage start and end for Accidental Death Insurance?

Your coverage begins on the date you choose at the time of application. The policy remains in effect until age 75.

Can I adjust my Accidental Death Insurance coverage?

Our plan allows you to decrease your coverage as your needs change, but increasing coverage is not an option once the policy is in place.

Does Accidental Death Insurance policy have cash value?

No, Accidental Death Insurance does not accumulate cash value. Cash value is a feature typically found in permanent life insurance plans such as whole or universal life insurance. However, these policies come with significantly higher premiums compared to Accidental Death Insurance.