Life insurance · Final expense
Leave memories. Not bills.
Final expense insurance is a smaller, permanent policy that covers the costs at the end of a life, the funeral, the final bills, the taxes, so your family grieves without a single invoice attached. No exam, and a decision within 24 hours.
Check my price- No exam, ever
- Decision within 24 hours
- Permanent coverage that stays for life
- Guaranteed-acceptance path, ages 18–80
What it covers
One payout, four jobs.
Your beneficiaries receive a tax-free lump sum they can use in any order they choose. In practice, it goes here.
Funeral, burial, cremation
Funeral home services, casket or urn, cemetery plot and interment, ceremony, flowers, obituary, and transportation.
Final medical bills
Care costs that provincial plans did not cover, so no invoice follows the goodbye.
Debts, taxes, and fees
Outstanding credit cards or loans, probate and legal fees, and taxes owing on your final return, settled without pressure to sell family assets.
A small legacy
Whatever remains can fund a gift to a grandchild, a charitable donation, or a contribution to your community, paid quickly, to the people you named.
Planning numbers
What end-of-life costs actually run.
Costs vary by province and by your family’s choices, large Ontario and BC cities tend to run highest, the Prairies mid-range. These illustrative scenarios are a realistic starting point.
Simple: $7,000–$10,000
Direct cremation, a modest service, obituary, flowers, and incidentals.
Middle: $12,000–$16,000
Cremation with a full ceremony, venue, urn, reception, keepsakes, and travel support for family.
Traditional: $18,000–$25,000+
Visitation, casket, burial plot, interment fees, reception, and memorial materials.
Illustrative ranges only, not quotes. To size your coverage: start with a scenario above (or a local funeral quote), add final bills, small debts, and probate fees, add a 10–20% buffer, and subtract savings already set aside. That total is your coverage target.
Check my priceThe honest part
How the guarantees actually work.
Final expense coverage is built for older adults and health histories. Here is the fine print, unburied.
Everyone 18–80 gets an offer
Plain-language questions, no exam, no doctor’s note. Health answers shape the offer; a guaranteed-acceptance path exists no matter what they are. Coverage that starts is permanent, it never expires as long as premiums are paid.
The 24-month deferral, plainly
Depending on your answers, a 24-month deferral can apply. Accidental death is covered in full from day one. If death from natural causes occurs in the first 24 months, every premium you paid is returned to your beneficiary, we keep nothing. After 24 months, the full amount is payable for any cause. Full explanation here.
Your price, before you commit
Your exact coverage amount and monthly price are confirmed during the application, before you commit to anything, and before any payment is taken. Every policy includes a 30-day free look.
Reasons to choose final expense
For people who plan ahead.
I want it settled in advance
Lock in the plan now so every final bill gets paid, no matter what happens or when.
I have health conditions
Diabetes, heart history, or a decline elsewhere, every applicant aged 18 to 80 still gets an offer here.
I have debts or taxes to clear
Beyond the funeral, the payout clears what you owe so nothing passes to your family.
I want to leave something behind
A named gift for the grandkids or a cause you love, paid tax-free, exactly as you intended.
Final expense FAQ
The questions everyone asks.
Is final expense insurance necessary in Canada?
It depends on your savings and your family’s situation. A funeral, final medical bills, and estate fees routinely add up to five figures, due within weeks. If your savings or existing life insurance would not comfortably cover that, final expense coverage means nobody you love pays out of pocket to say goodbye.
How is final expense insurance different from regular life insurance?
Same mechanism, different size and purpose. Regular life insurance carries larger benefits meant to replace income or pay off a mortgage. Final expense insurance is a smaller, permanent policy sized to cover funeral, burial or cremation, final bills, and a modest legacy, and it is built to be easy to qualify for at older ages and with health conditions.
How much does final expense insurance cost?
Your price depends on your age, gender, smoking status, health answers, and the coverage amount you choose. Our minimum premium is $20 per month, and you see your exact price during the application, before any payment is taken and with no email wall.
Does Oneday require a medical exam for final expense coverage?
No. There is no exam, no blood work, and no doctor’s note. You answer plain-language health questions, and every applicant aged 18 to 80 receives an offer, a guaranteed-acceptance path exists no matter your health.
What does final expense insurance not cover?
Standard exclusions apply, and they are printed on the page, not buried: if a 24-month deferral applies to your policy and death from natural causes occurs in that window, every premium paid is returned to your beneficiary instead of the face amount (accidental death is covered in full from day one). Suicide within the first two years and material misrepresentation on the application are excluded, as with any Canadian life policy.
How much burial insurance do I need?
Start with a local funeral estimate or the illustrative ranges on this page, add final medical bills, small debts, probate and legal fees, and family travel, then add a 10 to 20 percent buffer and subtract savings already set aside. The result is a practical coverage target, most answers land between $10,000 and $25,000.
When does my coverage start?
Your coverage starts once your application is approved and your first premium payment is processed. The effective date is printed in your policy documents, which arrive by email. Every policy includes a 30-day free look with a full refund.
Policies are underwritten by Humania Assurance Inc. Product features, eligibility, and maximum amounts vary by province and product, and coverage is always subject to the terms of your policy. If something is unclear about a policy or claim, our Complaints Policy explains exactly what to do.
Find out in 60 seconds if we can cover you.
No email required. Rates are set by your age at application and go up on your birthday, checking today locks in today’s age.
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