At Maple Bay Financial, we believe that everyone deserves the opportunity to protect their loved ones—regardless of their health history or age. That’s where Guaranteed Life Insurance comes in. It’s one of the most accessible types of life insurance in Canada, and it’s designed to provide lifelong coverage with no medical exams, no health questions, and no hassle.
Guaranteed life insurance is a permanent life insurance policy, meaning it lasts your entire lifetime—as long as premiums are paid. Unlike traditional life insurance, you can’t be turned down due to health conditions, age-related issues, or past medical concerns. Approval is guaranteed for eligible applicants between the ages of 18 and 80.
The payout from your policy—called a death benefit—is a tax-free lump sum that goes directly to your beneficiary. It can be used to cover final expenses, such as funeral costs, medical bills, or outstanding debts, helping to ease the financial burden on your family during an already difficult time.
Guaranteed life insurance is especially helpful for:
It’s a great option if you want to make sure your family isn’t left with unexpected expenses—even if you’ve been told you’re “uninsurable” elsewhere.
While guaranteed life insurance doesn’t offer large coverage amounts like some traditional plans, it still provides meaningful protection. Coverage usually ranges from $5,000 to $50,000, depending on your age and the provider. That’s more than enough to handle basic final expenses and leave behind a small financial cushion for your loved ones.
Your premiums remain fixed for life, meaning you won’t pay more as you get older.
Planning ahead is an act of love. Guaranteed life insurance helps you take control and leave a plan in place for your family, so they don’t have to worry about money during a time of grief. You can apply quickly over the phone, without any medical visits or long forms—and be covered for life, within days.
At Maple Bay Financial, we’ve helped thousands of Canadians secure guarenteed life insurance coverage, placing over $1 billion in protection to date. Our advisors specialize in non-medical and guaranteed issue plans, and we’re here to make things easy.
Have questions? Ready for a quote? Give us a call or request your free quote online. No pressure, just friendly, expert advice.
