What is Zesty Final Expenses Insurance?

Zesty Final Expenses Insurance is a form of life insurance and a hassle-free way to help your loved ones take care of funeral costs, household debts and tax bills when you pass away. It could even be used as a gift to help keep life on track when you’re gone. It’s designed for Canadian residents aged 40-801 and acceptance is guaranteed, so there’s no need to provide us with a medical check to get approved.   

It only takes a few minutes to get coverage and depending on your age, you could get up to $25,000 of permanent life insurance. Simply get a quote and our team of Canadian based experts can help you get protection in place from as little as $13.95 per month2, with no policy fees.

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What makes Zesty Insurance different?

Easy to arrange
Easy to arrange

You can get covered in just a matter of minutes.

Great value
Great value

Simple life insurance with a big lump sum payment and a low monthly cost.

Excellent service
Excellent service

Friendly service from local Canadian people you can trust.

Why choose Zesty Insurance?

  • Easy to arrange – You can get coverage in just a few minutes 
  • Exclusive – Zesty Final Expenses Insurance can only be bought direct  
  • Guaranteed acceptance – For Canadian residents aged 40-801  
  • Get approved for coverage with no medical or health check needed   
  • Guaranteed cash amount – Get up to $25,000 of coverage depending on your age  
  • Affordable coverage – No need to shop around with premiums from as little as $13.95 per month2  
  • Immediate protection for accidental death, and 3x payout if death is due to an accident3 

How our coverage works

We take a fresh approach to buying life insurance, so you can get protection with zero stress. Our coverage is exclusive and can only be purchased directly, meaning you won’t have to go through a broker. Even better, you don’t need to complete a medical check or blood tests to get approved. Find out more below or read our helpful life insurance guide.

Level premiums 

With level premiums, you'll have fixed monthly premiums for the duration of your policy. Your benefit amount will also stay the same. You might prefer this option if you want to know exactly how much you’ll be paying for your whole of life insurance coverage every month. 

Increasing benefit option

The increasing benefit option can help to offset the effects of inflation on your policy. Rather than having everything stay the same throughout the policy life, your premium and benefit will increase every year.  

The cost of life insurance 

We understand how important it is for your family to be protected. We also understand that you want quality coverage that won’t leave you out of pocket. With Zesty Insurance, you could get permanent life insurance from as little as $13.95 per month,2 depending on your age. 

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  
  • Whether or not you choose the increasing benefit option

Not sure how much coverage you might need? Our life insurance calculator can help you quickly work it out, so you can get on with more important things!

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Frequently asked questions

Here are some common questions we get asked about Zesty Final Expenses Insurance coverage.

What is Zesty Final Expenses Insurance?
How does Zesty Final Expenses Insurance work?
How much life insurance coverage can I get?
How much does it cost?
Are there any policy fees?
Are level premiums the same as the increasing benefit option?
What does life insurance cover?
What does life insurance not cover?



Free Info Pack

Have some more questions? Learn more about Zesty Final Expenses Insurance with our free information pack. It includes straightforward information and features of Zesty Insurance.

How to buy direct

Our Final Expenses Insurance is available exclusively from Zesty Insurance Agency. This means that instead of having to meet with brokers, go through unnecessary paperwork, and potentially pay more money, you can get your coverage directly through us – with no policy fees. Our highly trained and friendly Canadian team of experts are on hand to answer your questions and help you explore your options allowing you to get covered in a matter of minutes, with zero stress.

Whether you already know exactly what you want, or you want to learn more about our coverage, we’re here to help. Simply call today to get a free quote and talk to one of our experts.

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Our claims process

Step 1 - Contact us

To start the claims process, simply call us or email claims@zestyInsurance.ca. Our claims team is highly trained and handle claims with care and compassion.

Step 2 - Submit

We will send out a claim form to be completed, signed, and returned to us. The claim will then be reviewed as quickly as possible. If we need more information, the person making the claim might be contacted.

Step 3 - Payout

Once your claim is approved, we will pay the benefit amount to the person legally entitled to it. 

More reasons to choose Zesty Insurance?

  •  Free coverage after age 95 – On the policy anniversary after your 95th birthday, your coverage is FREE  
  • Local experts – Our experienced and friendly call centre is based right here in Canada  
  • Fast payout – We strive to pay out claims fast, with a straightforward claims process   
  • 24/7 Worldwide coverage – For the whole of your life   
  • Flexibility – You can apply to make changes with excellent ongoing service and no fees

View full policy terms & conditions

For life insurance with zero stress, choose Zesty Insurance


Not yet available in Quebec.


For a 50-year-old female non-smoker with $3,000 of coverage. 


Full coverage is after just 12 months for any death, except suicide, which is not covered for the first 24 months.