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Guaranteed Acceptance Life Insurance

Leave your loved ones with up to $25,000, with FiftyUp Final Expenses Insurance.

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Guaranteed Acceptance Life Insurance

From the cost of a funeral service to leftover bills, final expenses don’t have to be a burden to your loved ones. FiftyUp Final Expenses Insurance can help by providing a fast payout that can go towards immediate costs shortly after you pass away, from a funeral to outstanding debts and more.

Designed for our 50 and up community, FiftyUp Final Expenses Insurance is easy to understand and easy to get, with guaranteed acceptance and no medical tests required. It’s a simple and reliable way to give your family financial support when you’re no longer around to look after them.

Plus, you can give the people you love the means to honour you how you want. You might prefer a simple cremation or imagine an elaborate celebration of life. Whatever the case, we make it easy to get a coverage amount that makes sense for you.

Get a free info brochure

See more details about FiftyUp Final Expenses Insurance in our free product information brochure.

What you get with FiftyUp Final Expenses Insurance

Guaranteed acceptance

FiftyUp Final Expenses Insurance makes getting coverage simple. Canadian residents (excluding residents of Quebec) aged 20 to 80 are guaranteed acceptance.

No medical tests

Applying for FiftyUp Final Expenses Insurance is a fast and simple process, with no medical or blood tests needed.

Immediate coverage

Once your policy is in place, you are immediately covered for accidental death, and for any cause after 12 months (excluding death by suicide for 24 months).

Triple payout for accidental death

If your death is the result of an accident, your loved ones will receive triple your coverage amount, because we understand these costs would be unexpected.

Choose your cover amount

FiftyUp’s licensed advisors can help you choose a coverage amount from $3,000 to $25,000 that your loved ones can use towards your final expenses, including funeral costs.

Choose single or multi-life coverage

Our coverage options are flexible and can work for your family's needs. Take out a policy for yourself or get multi-life coverage.

A quick payout

Your loved ones can expect a fast payout without unnecessary delay to cover funeral costs or whatever else they wish to spend the money on.

Early cash out

Once you turn 85, you can choose to end your policy and receive 75% of your benefit amount paid to you.

No payments after 90

FiftyUp Final Expenses Insurance stays budget-friendly even as you get older as premium payments stop entirely at age 90; but your coverage remains in place.

Manageable premiums

At FiftyUp we’re committed to providing flexible coverage that helps you stay in control of your premiums. Our licensed advisors are available to talk you through your options.


Trusted coverage when you need it most

Learn more about final expenses insurance

What is final expenses insurance?

Dive deeper into how final expenses insurance, also known as guaranteed acceptance life insurance, differs from other insurance types and how the benefit can be used towards the costs associated with honouring your memory.

Learn more

How does final expenses insurance work?

Learn more about how much coverage you need, the application process and how much it could cost to help ease the financial burden on your loved ones when you pass away.

Learn more

Why choose FiftyUp

Canadians aged 50 and up deserve quality, reliable and trustworthy insurance coverage. Discover more about FiftyUp.

Designed for us

We’re proud to be part of Canada’s over 50 community, passionate about delivering insurance that meets its unique needs.

Get coverage easily

Our products are easy to understand, simple and fast to get. As you age, FiftyUp has insurance solutions that will work for you.

Peace of mind

Avoid placing the burden of final expenses on your loved ones. Our licensed advisors can help, so you can focus on what you do best – living.

Control your money

We’re committed to helping you stay in control of your finances with flexible insurance products made for people over 50.

Get a free info brochure

See more details about FiftyUp Final Expenses Insurance in our free information brochure.

Frequently asked questions

  • Canadian residents, excluding Quebec, between 20 and 80 are guaranteed acceptance for FiftyUp Final Expenses Insurance.

  • Depending on your circumstances, final expenses insurance can be affordable. The best way to find out how much coverage will be is to request an obligation-free quote from one of our licensed advisors.

  • Canadian residents, excluding residents of Quebec, between 20 and 80 are guaranteed acceptance for FiftyUp Final Expenses Insurance.

  • The cost of final expenses insurance will depend on your level of coverage and other personal factors, such as your age, gender, and smoking status. The best way to get an accurate estimate of the cost is to Get a quote from one of our licensed advisors. We’re here to help, so get in touch today.

  • No. FiftyUp 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, excluding residents of Quebec, between 20 and 80 years old, you are guaranteed acceptance.

  • Final expenses insurance is a great option for anyone who wants to protect their loved ones against costs after you pass away, including funeral costs and unpaid bills. Your beneficiaries receive a lump sum payment that they can put towards whatever immediate expenses they need to cover, including honouring your memory.

    It’s also a great option for people over 50 including seniors who are having trouble getting life insurance because of their health or age. FiftyUp guarantees acceptance for Canadian residents, excluding residents of Quebec, who are aged 20 to 80, with no medical or blood tests required.

  • If you’re a Canadian resident between the ages of 20 and 80, you’re eligible to apply for FiftyUp Final Expenses Insurance with guaranteed acceptance. It is not yet available to residents of Quebec.

  • During the first year of your FiftyUp Final Expenses Insurance policy, we’ll only pay a benefit for accidental death. After that we will pay the benefit for death by any cause, excluding suicide which is only covered after 24 months. [We will not pay a death benefit or refund premiums if the policy is declared void due to material omission, misrepresentation or fraud.]

  • Getting FiftyUp Final Expenses Insurance coverage is easy – all it takes is a quick phone call with one of our licensed advisors! They can help you choose the best coverage for your needs and provide an obligation-free quote over the phone. There are no medical or blood tests required to apply. Request a quote or have us call you to start your application today.

  • You can keep your FiftyUp Final Expenses Insurance for life, as long as it remains active.

    At age 85 you can choose to cancel your coverage to receive an early cash out 75% of your benefit amount. Or if you keep your policy active, once you reach age 90, we will stop charging you premiums, but you can keep your cover.


Get guaranteed acceptance life insurance today

Help your loved ones cover your final expenses. Speak with one of our licensed advisors to discuss the best coverage for your needs.