Guaranteed Life Insurance provides life insurance coverage with guaranteed acceptance. If you are worried about your medical history or current health issues, this plan would ensure you will not be denied the protection you need. Your loved ones can use the benefit to cover funeral costs, final expenses and more.
What sets our plans apart
Up to $50,000 coverage – instantly
Instant approval with simplest eligibility criteria. Our innovative process makes applying, and getting approved seamless and stress-free.
No medical exams – ever
Your time is precious, so we’ve removed the hassle—no physical exams, blood tests, or doctor’s reports needed. With our streamlined plans, getting the coverage you need is faster, easier, and completely hassle-free.
Paperless, headache free application
Forget the endless paperwork that traditional life insurance requires — our streamlined process makes applying quick, easy, and completely paperless.
Coverage you can rely on
With lifetime coverage and locked-in premiums, you can enjoy peace of mind knowing you're protected—no surprises, just reliable security for the future.
Features of our plans at glance
Coverage up to $50,000 with complimentary accidental death coverage up to $150,000
Eligibility age is 18 to 80
Guaranteed lifetime coverage
Fixed premiums that are guaranteed to never increase
Guaranteed Life Insurance: Important questions you are asking
What is Guaranteed Life Insurance?
Guaranteed Life Insurance is a life insurance policy that does not require a medical exam or health questions to apply. As long as you meet simple eligibility criteria your acceptance is guaranteed.
Who is eligible?
There are 3 simple eligibility criteria for our plan:
Be between the ages of 18-80
Be a Canadian citizen or permanent Canadian resident
Answer “No” to: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”
Premiums
Are the rates guaranteed for Guaranteed Life Insurance?
Yes! The rates are determined at the time of the application and are guaranteed to stay the same.
How long will I pay premiums for Guaranteed Life Insurance?
The premiums are payable till age 100.
What happens to my Guaranteed Life Insurance premiums if I quit smoking after my policy is issued?
If have been nicotine free for 12 months or longer you can re-apply for non-smoker rates.
How do I pay for my Guaranteed Life Insurance policy?
You can pay yearly or monthly by credit card or direct debit.
Applying for Coverage
How do I apply for Guaranteed Life Insurance?
To start please submit a quote request on our website. Our knowledgeable, licensed advisor will provide your personal quote and answer any questions you may have. If you are happy with what you hear, the application is completed right over the phone. The policy is then provided via email and a hard copy can be mailed if requested.
If I smoke, can I apply for Guaranteed Life Insurance?
Absolutely. Please note, smoking status does affect the rate for your coverage.
Can I cancel my Guaranteed Life Insurance policy at any time?
Yes, you can cancel your policy at any time. If the policy is cancelled within 10 days of effective date, a full refund will be issued.
Coverage Details
When does coverage start and end for the Guaranteed Life Insurance?
Your coverage start from your chosen policy effective date and continues for a lifetime as long as the policy is in force.
Can I reduce or increase my Guaranteed Life Insurance?
You are able to decrease your coverage; however, in order to increase coverage a new policy would need to be purchased.
Is there any cash value with the Guaranteed Life Insurance?
There is no cash value with our Guaranteed Life Insurance plan.