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Final Expenses Insurance

Get up to $25,000 to help your family cover funeral costs, unpaid bills, and other final expenses.

North Cover Final Expenses Insurance

You’re well loved – let’s keep it that way. The people in your life will adore you even more when they’re not worried about paying for the costs you might leave behind.

Final expenses insurance is designed to help cover things like your funeral, end-of-life celebration, burial or cremation – whatever you have in mind for yourself. Plus, you can’t take your bills with you when you go (and seriously, why would you?) that’s where North Cover Final Expenses Insurance can help with those, too.

So, you could leave your loved ones pinching pennies they don’t have or give them the means to celebrate your amazing life. Easy choice, eh?

We can send you a free information brochure with everything you need to know about North Cover.

Benefits of choosing North Cover Final Expenses Insurance

Acceptance guaranteed

If you’re a Canadian resident (excluding Quebec) and between 20 and 80, you’re guaranteed acceptance for final expenses coverage. It’s that simple.

No medical tests or tough questions

Life tests us enough. We don’t want to add to that. Get final expenses insurance coverage without any medical tests, blood work or nosy questions.

Coverage for any cause of death

Life is full of surprises, including the kind no one likes thinking about. You're covered for accidental death in the first 12 months, and any cause of death after this time (excluding suicide for 24 months).

3 x payout for accidental death

If your death is the result of an accident, your loved ones will get triple your coverage amount.

Your coverage, your choice

How much you need should be up to you. With North Cover Final Expenses Insurance you can choose a level of coverage between $3,000 and $25,000.

Single or multi-life coverage

We all have different needs, so pick what works best for you. If single coverage works for you, awesome. And for those needing it, we also have multi-life coverage for you and your partner.

Quick, simple claims

Your loved ones will receive their cash payout fast through a simple claims process. They’ll have money on hand to help cover funeral costs or any other final expenses.

Early cash out option

When you hit 85, you can end your policy and still get 75% of your benefit amount. Who says getting older is a bad thing?

No premiums after 90

You’ll have a lot of celebrate on your 90th birthday – including no more premiums to pay (but you get to keep your coverage!).

Simple coverage you can trust

Our team is always up for dishing out more details.

North Cover. Here to help.

Made for Canadians

We celebrate what makes Canadians different. And we’re committed to providing insurance designed for your needs.

Insurance made simple

Go direct and get coverage without tons of confusing forms or medical tests. Because no one needs more paperwork in their life.

Flexible coverage

Our Canadian-based licensed advisors can guide you on the best coverage for your needs. We're here to support your insurance journey from start to finish.

Trusted experience

Your policy is backed by an insurer with decades of experience protecting Canadians. You can be confident knowing you’re in good hands (if we do say so ourselves).

Still reading?

Get a free info brochure

We’ll send you a free information brochure with everything you need to know about North Cover.

Frequently asked questions

  • Final expenses insurance is designed to help cover any immediate costs after you pass away, such as a funeral service, burial or cremation, or outstanding bills.

    When you pass away, your beneficiaries will receive a lump sum payout that they can put towards your end-of-life expenses. It’s a little like that friend that’s always there even when you didn’t even realize you needed them.

  • Final expenses insurance works a lot like other insurance policies, but it’s much simpler (if we do say so ourselves).

    You’ll pay a monthly or annual premium. That amount will be based on factors such as on your age, gender and smoking status, and the coverage amount you choose.

    When the time comes, the beneficiaries you’ve chosen will get a lump sum payout within just a few days of making a claim. They can use that to cover any immediate expenses, such as a funeral service, or outstanding bills.

  • Final expenses insurance is designed to help cover any immediate expenses after you pass away, such as your funeral or memorial service, burial or cremation costs, or outstanding bills – at the end of the day, it’s up to you and the people you love.

    Your beneficiaries will get a lump sum payment, and they can use the money on whatever they need at that difficult time.

  • Once Canadian residents outside Quebec hit their 20th birthday, they’re guaranteed acceptance for North Cover Final Expenses Insurance – and it stays that way until age 80.

  • Burial insurance or funeral insurance are other names for final expenses insurance. As those names suggest, coverage can go towards funeral and burial costs, outstanding bills or other final expenses immediately after someone passes away. In the case of North Cover Final Expenses Insurance, it’s a one-time cash payout up to $25,000.

    Life insurance, on the other hand, is designed to replace a person’s lost income after they pass away. That means the coverage amount may be bigger, because it often offers financial support for a longer period.

    While life insurance payouts can go towards funeral costs, having final expenses insurance can give you additional peace of mind. The claim payment will come through fast, so your beneficiaries will have money on hand to cover immediate costs.

  • The monthly or yearly cost of final expenses insurance will depend on the level of coverage you choose, plus other personal factors, such as your age and smoking status. The best way to get an accurate estimate of the cost is to request a quote. Our licensed advisors are ready to talk you through your coverage options, so get in touch.

  • Nope! North Cover Final Expenses Insurance does not require any medical checks or blood tests when you apply for coverage. As long as you are a Canadian resident outside of Quebec between 20 and 80 years old, you are guaranteed acceptance.

  • Final expenses insurance is a smart choice for anyone who wants to protect their loved ones financially.

    Any Canadian resident between the ages of 20 and 80 residing in Canada (outside of Quebec) is guaranteed acceptance for North Cover Final Expenses Insurance. You can also choose your coverage amount up to $25,000. That way, you know your beneficiaries will have a quick, lump sum payment that they can put towards whatever immediate expenses they need to cover after you pass away, including your funeral costs, last bills, and more.

    Let’s talk it over. Get in touch with one of our licensed advisors to discuss your options and request a quote today.

  • Once you reach big life milestones like buying a home or growing your family, planning for the worst is important (even if it’s not always comfortable). Taking out final expenses insurance is one way to help you protect your loved ones from high funeral costs, and other bills or expenses you may leave behind. The bonus? Planning ahead will take some weight off your shoulders, so you can get back to living in the moment.

Let’s do this

Trust us, we hate wasting time as much as you do. We make getting a quote simple, so have us give you a call or request a quote today.