Canadian diabetics may pay up to 300% the premiums of their healthy peers or be disqualified from traditional life insurance depending on the nature and degree of management of their diabetes.
With our guaranteed issue Excelsior life insurance plan , all Canadian diabetics are fully qualified with no increase in premiums, regardless of the severity of their condition or underlying root causes. Qualification is instant, with no medical exam or health questions about diabetes required to get life insurance.*
Key Benefits of our Excelsior Plan
Guaranteed acceptance
You are qualified regardless of the nature of diabetes.*
No medical exam
No need to provide proof of management or submit to a medical exam to qualify.
Lifetime coverage
This coverage does not stop when you need it most, and your plan remains in force for a lifetime
10-Day Money Back Guarantee
If you are not absolutely satisfied with your plan, let us know and receive a full refund.
What our clients say
Explore our Excelsior Plan features
Eligibility
There are just 3 eligibility requirements:
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Be between the ages of 18-80
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Be a Canadian citizen or permanent Canadian resident
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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?”
Under this plan, there are no medical requirements to get coverage, and you cannot be denied for coverage due to health issues if you meet the above criteria.
Duration of coverage
Excelsior provides permanent, lifetime coverage
Rates
Rates are guaranteed to stay fixed throughout the duration of the policy.
Rates are dependent only on coverage amount, age, gender, and smoking status. Your health condition or health history has no effect on your premiums.
Coverage amount
Excelsior plan offers coverage from $5,000 up to $50,000 for ages 18-70 and $5,000 to $25,000 for ages 71-80
Complimentary Accidental Death Benefit
Your policy includes an Accidental Death Benefit at no additional cost, which triples your coverage amount if the policy is acquired before you turn 71. This means, should an accident occur, your benefit would increase from the original coverage of $50,000 to an enhanced $150,000.
10-Day Money Back Guarantee
If you are not absolutely satisfied with your plan, let us know and receive a full refund.
5 top reasons our clients applied for life insurance
Find out what were the top personal motivators for our clients to apply for life insurance coverage.
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* There is a single health qualifying question: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill”