Zesty Final Expenses Insurance is guaranteed acceptance protection that covers you for life. If you’re a Canadian resident aged 40-80, you’re eligible for up to $25,000 of coverage depending on your age². You don’t need to provide a medical or blood test to get approved for coverage. Our coverage is exclusive to us and can only be bought direct. We’ll discuss a benefit amount and a monthly premium with you. Once you’ve secured coverage you’ll be protected for life⁴.

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With Zesty Final Expenses Insurance, you can apply for a minimum of $3,000 and a maximum $25,000 worth of coverage depending on your age. Your age, gender and smoker status will all have an impact on the amount of coverage you can apply for. The amount of coverage you apply for will determine the amount you will pay each month for your premiums. When applying, it’s important to take the time to consider what coverage amount would be right for you and your situation.   

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How much your life insurance will cost you depends on your individual circumstances. Here are some of the things that could affect the price of your coverage:  

• Your age at the time of applying  
• Your gender  
• Your smoker status   
• Your chosen benefit amount   
• Adding the increasing benefit option to your policy

You could get Zesty Final Expenses Insurance from as little as $13.95 per month.³

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One of the benefits of choosing Zesty Final Expenses Insurance is that there are no policy fees. As part of our commitment to excellent service, this applies throughout the duration of the policy. So, if in the future you need to make any changes there are no policy fees.

With level life insurance, you’ll have fixed premiums for the duration of your policy. Your benefit amount will also stay the same. With the increasing benefit option, your benefit amount will increase by 3% and your monthly premium will increase by 4.5% each year to help keep up with inflation. 

With a Zesty Final Expenses Insurance policy, you’re covered immediately for accidental death. After 12 months you’ll also be covered for death by any cause (except for suicide) and after 24 months you will be covered for death by any cause, including suicide.  If your death is the result of an accident, we pay out 3x your benefit amount. For example, if you took out $10,000 of coverage and died in an accident, we would pay out $30,000. Subject to the terms and conditions of your policy.

You will not be covered for suicide until 24 months after you take out a policy. In the first 12 months after the policy start date, non-accidental death will not be covered and in these circumstances only a return of the total of all premiums paid towards a life insured's coverage will be provided.