Frequently Asked Questions 

Life insurance is a simple way to help provide some financial security for your loved ones. With Zesty Final Expenses Insurance, you can help your family with funeral costs, tax bills and final expenses when you’re gone. It could allow you to leave behind some money as a gift. Even better, with Zesty you’re guaranteed a cash amount so once it’s in place, you’re protected for life¹.  

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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 life. 

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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.

You will pay your premiums up until the policy anniversary after your 95^th birthday. After that, you will still have coverage but you will no longer have to pay your monthly premiums. You will no longer pay premiums if you cancel your coverage. 

How much life insurance you need depends on what you want it to do. If you want it to cover tax bills when you’re gone you should consider how much these may be. Likewise, if you want to help cover your funeral expenses you should think about what kind of service you would like. If you simply want to leave a gift behind, you should decide how much you want to leave for your loved ones and how long you want it to last. 

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.

Generally, the younger you are when you take out life insurance, the cheaper your premiums could be, and you can apply for larger benefit amounts. However, the decision to purchase life insurance depends on your personal circumstances and needs. Please contact us if you would like to discuss this further. 

No, if you take out our level premium life insurance, you can rest assured that your premiums will remain the same throughout the lifetime of your policy. However, you may wish to add the increasing benefit option to your policy. In this case, your monthly premium and your benefit amount will increase each year to help keep up with the cost of inflation.

Yes, it is possible to get life insurance as a smoker. However, you should be aware that it is usually more expensive for smokers because their risk of dying is higher than a non-smoker. It is important to be truthful about your smoking status during the application process, and failure to do so may result in your policy being invalidated.

If you leave your job for any reason, your coverage may cease, and you could be left without adequate protection. So, you may want to consider taking out your own life insurance policy.

Yes, if you have a Zesty Final Expenses Insurance policy and were to subsequently pass away as a result of Covid-19, you would be covered under your policy.

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. 

Yes, it is possible to have more than one life insurance policy at a time. This can either be with Zesty Insurance Agency or another provider. However, you should note that you can only hold policies with Zesty Insurance Agency that have a combined benefit amount that is within the limit you can apply for based on your age. 

Whole life or whole of life insurance is a type of protection that covers you for life. This means that as long as you keep up with your monthly premium payments, your loved ones are guaranteed a cash amount when you die. Subject to standard terms and conditions.

No. There is no cash-in value at any point of your Zesty Insurance policy.

You can apply to make changes to your policy at any time, free of charge. Simply email us at inquiries@zestyinsurance.ca and our friendly team of Canadian experts will be on hand to help you. 

If you die during the first year of your policy, we’ll refund all of the premiums that you have already paid, but your benefit amount will not be paid. However, in the case that you pass away as a result of an accident, we will pay 3 times the benefit amount. This accidental death coverage starts from day one of the policy.

With Zesty, there is no policy fee added to your premium. This means that if you and your partner would like coverage it’s easy to set up 2 separate policies.

You can get coverage over the phone with one of our highly trained agents. To get your quote you can call us TOLL FREE at .  Our team is available Monday to Friday 9am to 8pm ET. 

Yes, you are free to cancel your policy at any stage if you feel like you no longer need it. If you choose to cancel your policy within the 30-day period after the start date, you will get a full refund of any premiums paid. Please be aware that if you decide to cancel your policy after this period, you will not get any money back.  

Once a claim has been approved, payment will be made to whoever is legally entitled to it. Usually this will be the beneficiaries designated by you in your application or any subsequent change of beneficiary request. If no one has been designated by you, payment will be made to your estate and will then be distributed according to your will (if applicable) or applicable law.

To start the claims process, you or your loved ones will need to email claims@zestyinsurance.ca. Once we have received your email, we will send out a form to be completed and returned with the supporting documentation. We aim to process claims as quickly as possible. After the claim is approved, payment will be made to whoever is legally entitled to it.

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If for any reason you miss a monthly payment you should get in contact with us as soon as possible. To maintain your coverage, it’s important to make sure that you make the missing payment as soon as you can. If you miss two consecutive monthly payments your policy will be cancelled.