A kindness they’ll never have to ask for.
End-of-life coverage takes one worry off your family’s hardest week: the money. Funeral costs, last bills, the paperwork, handled by a plan you put in place today, quietly, in about five minutes.
Check my price- No medical exam, ever
- Acceptance guaranteed, 18–80
- Coverage that stays for life
- Price locked when you buy
What it takes care of
One lump sum, for everything that week brings.
The benefit is paid directly to the person you choose, generally tax-free in Canada, as a single lump sum. No receipts required, no categories, they use it where it’s needed.
The funeral, fully
Funeral or cremation, cemetery fees, a casket or urn, the memorial. In Canada these commonly total $8,000 to $15,000, depending on province and preferences.
The loose ends
Last medical or care bills, credit card balances, final taxes, legal and estate costs, settled without your family fronting the money or selling anything in a hurry.
The legacy, if you choose
Some set aside a portion for a grandchild, a cause, or a charity. You name the beneficiaries and the split; we make sure your wishes are written down clearly.
Choosing your amount
A simple way to land on the right number.
Start with the service
Burial or cremation? Simple or full service? Most Canadian funerals run $8,000 to $15,000. Pick the number that matches your wishes.
Add the loose ends
Last bills, small debts, estate and legal costs. A few thousand dollars of margin here spares your family surprises.
Add any legacy
Anything you’d like to leave on top, for a person or a cause. Many people land between $10,000 and $25,000 all-in; coverage starts at $5,000.
Already have some life insurance? End-of-life coverage can sit alongside it, ring-fencing the final costs so the larger policy stays intact for your family’s bigger plans.
The honest part
A guaranteed yes, and the trade that makes it possible.
Our Guaranteed tier accepts every applicant aged 18 to 80, no health questions asked of the answer. Here is the fine print, printed large.
Accidental death: covered in full, from day one
The deferral never applies to accidents. Your beneficiary receives the full amount immediately, starting the day your coverage begins.
Natural causes in the first 24 months
Every premium you paid is returned to your beneficiary. Oneday keeps nothing. This is the trade that makes a guaranteed yes possible without a medical exam.
After 24 months: covered for life
The full amount is payable for any cause, for as long as premiums are paid. The price never rises with age or health, and the coverage never expires.
Healthier answers on the questionnaire can unlock better-priced tiers with full day-one coverage, your application finds the strongest offer automatically. The four tiers are explained on our products page.
A gentle process
Five minutes today. Peace of mind after that.
No clinic, no needles, no interviews about your health history. 14 plain-language questions, your price on the page before you commit to anything, and a decision within 24 hours. Every price already includes the $30 annual policy fee, and there’s a 30-day free look with a full refund.
Do it quietly, online
Many people prefer to arrange this privately, at their own pace, without explaining themselves to anyone. Start to finish online, whenever you’re ready.
Or with a human
A licensed advisor can walk through it with you or with a family member on the line, no pressure, as long as you need. 1 800 655 2795.
Then tell someone
The kindest last step: let your beneficiary know the policy exists and where the documents are. We email them to you the day you buy.
Before you start
Questions families ask about end-of-life coverage.
What is end-of-life (final expense) insurance?
A smaller life insurance policy with one clear job: covering the costs that arrive when you pass, funeral or cremation, a memorial, last bills, and estate paperwork, so the people grieving you never have to think about money that week. The benefit is paid to your beneficiary as a lump sum, generally tax-free in Canada, and they can use it however it’s needed.
How is it different from regular life insurance?
Mostly size and purpose. Regular coverage replaces income and clears large debts like a mortgage; end-of-life coverage is sized to final costs, often $10,000 to $25,000, which keeps premiums modest. At Oneday both come from the same simple application: 14 plain-language questions, no medical exam, and coverage from $5,000.
Do I need a medical exam to qualify?
No. There is no medical exam at Oneday, ever. And for end-of-life planning specifically, our Guaranteed tier means acceptance is guaranteed for every applicant aged 18 to 80: no health answer can take that yes away.
What can the payout be used for?
Anything your beneficiary needs. Typical uses: funeral, burial, or cremation costs; a memorial or celebration of life; travel for family; unpaid medical or care bills; outstanding debts and final taxes; legal and estate costs. It arrives as one lump sum, so your family decides where it matters most.
How much coverage should I choose?
Start with your expected funeral or cremation cost, commonly $8,000 to $15,000 in Canada, depending on province and preferences, then add a margin for last bills, small debts, and estate costs. Many people land between $10,000 and $25,000. If you’d like to leave a legacy on top, size up from there; coverage runs from $5,000 to $500,000.
I have serious health conditions. Can I still get covered?
Yes. This is the one purchase no health history can take off the table. Every applicant aged 18 to 80 receives an offer, and the Guaranteed tier accepts everyone in that range, permanent coverage that stays for life as long as premiums are paid, with the 24-month deferral disclosed plainly before you buy.
What is the 24-month deferral on this kind of policy?
Guaranteed-acceptance coverage starts with a 24-month deferral: accidental death is covered in full from day one, and if death from natural causes happens in the first 24 months, every premium you paid is returned to your beneficiary, Oneday keeps nothing. After 24 months, the full amount is payable for any cause. This is the honest trade that makes a guaranteed yes possible without a medical exam.
Does the coverage ever expire?
No. Guaranteed-tier coverage is permanent: it stays in force for life as long as premiums are paid, and your price is locked when you buy, it never rises because you age or your health changes.
Where is Oneday available?
Seven provinces: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia.
The plan is the gift. Put it in place today.
No email required, no medical exam. Acceptance guaranteed for every applicant aged 18 to 80.
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