Permanent Life Insurance for Canadian Seniors Offers Coverage with Pre-existing Conditions

For many Canadian seniors, getting life insurance isn’t easy—especially if you have a pre-existing condition or complicated health history. The truth is, people who need protection the most are often the ones turned away.

That’s why Specialty Life created the Excelsior Plan—a guaranteed-acceptance life insurance plan designed specifically with seniors and those with health concerns in mind.

Why this plan makes sense:

• Guaranteed acceptance¹ for Canadians ages 18–80
• Up to $50,000 in coverage, plus an additional $150,000 in complimentary accidental death coverage
• Instant approval through a quick, paperless application—no medical exams, no waiting
• Lifetime protection with rates that never increase
• Tax-free payout for your loved ones when it matters most

Why it matters

The tax-free benefit can:

• Cover final expenses like funeral costs or estate taxes

• Help a spouse replace lost income such as CPP, OAS, or pension

• Provide a financial cushion for children and family members

Most importantly, this plan offers peace of mind. Instead of leaving behind financial burdens, you can leave a legacy of love, security, and care for the people who matter most.

1. Must answer "No" to one 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?".