Accidental Death & Dismemberment Plan

Instant Accidental Death Lump sum up to $400,000 -
Premiums start at $6/month

Protect your loved ones if you suffer an untimely death
or are seriously injured in an accident.

What are the Benefits of owning a plan like this?

Do you have a Dangerous Job or Hobby?
Protect your Family Today!

No Medical Exams or Health Questions

Your Health will not affect the eligibility or your premiums. You cannot be denied coverage under this policy due to your health or previous injuries!

Coverage 24/7
World wide

You are covered at work, at home at play and anywhere in between - accidents can happen anytime, anywhere.

Very Few Exclusions

Almost anyone can be approved for up to $400,000 in coverage for Canadian Residents between the ages of 6 months & 69 years

Own the policy until 85 years old

Unlike, Group Insurance, you "own" this policy until you are 85 years old.

Pays in addition to any other benefits

It doesn't matter if you have Worker's Compensation, group benefits or any government employment insurance, these benefits pay your beneficiary in addition.

Double benefit for death in Common Carrier

If you die accidentally while as a fare paying passenger in a common carrier your beneficiary will get double benefit.

Family Plans increase savings

Whether you have 2 kids or 10, the premium stays the same and every child born into the family is grandfathered in at no extra cost. Our base plan can cover and entire family for as little as $16/month.

Very few exclusions

This plan covers death from any accident outside of participation as a paid sports professional, or while participating in an extreme sport.

Dismemberment Benefits

In case of a traumatic accident where loss of one or more limbs, loss of sight of one or both eyes, or hearing from both ears occurs, benefits will be paid accordingly.


Most frequent questions and answers

You can own an individual policy between the ages of 6 months and 69 years old.  When getting a family plan, the children need to be between 15 days old and less than 18 years old.  Children born into a family plan are “grandfathered” in.

You must be a Canadian citizen or landed immigrant who maintains a permanent residence in Canada. You must read and speak English or French, and be between 18 years and 69 years.

At the age of 25 years a child in the family plan will be able to convert their plan to an individual plan, which they will own until it expires at age 85.

The plan continues for the spouse and the dependents.

The policy terminates at age 85. 

Accidental Death by Common Carrier will pay a lump sum up to $400,000 if you or a family member* dies as a fare paying passenger in a regularily scheduled common carrier.  ie. A commercial airplane or bus. 


Accidental Death from all other causes will pay up to $200,000 if you or a family member * dies from any other covered accident. 

For single dismemberment, a lump sum of up to $100,000 will be paid to you or a family member* for loss of limb, sight in one eye, hearing in both ears, or speech as a result of a serious accident

For multiple dismemberments, a lump sum of up to $200,000 will be paid to you or a family member* for the loss of two or more limbs, sight in both eyes, permanent loss of speech and hearing in both ears, or any combination of two or more of these losses. 


* with family Plan coverage

Premiums are based on the benefit selected at time of application as well as whether it is an Individual or a Family plan.  

No, participation as a paid sports professional or participating in any extreme sport such as sky diving, bungee jumping or racing of any kind is an exclusion with this plan. 

Pre authorized withdrawal from a checking account is set up during the application process for the initial premium which comes out within 3 – 5 days of application submission and the recurring premium which comes out on the selected preferred billing date. 

We are here to support you for the lifetime of you owning policies with us!