Protection for the people you love
Take care of it now. So they don’t have to later.
4Them helps Canadians explore burial and final expense life insurance built to ease the financial weight on the people left behind — no medical exam, plans available for ages 18 to 80, and a free, no-obligation quote in about two minutes.
Why families plan ahead
A small plan today can mean less for your family to carry later.
We may not want to think about it — but planning ahead and putting a life insurance policy in place to cover funeral expenses is one of the most thoughtful and generous gifts you can give the people you love. The benefit paid out is tax-free, and it arrives when your family needs it most.
A plan through 4Them can help protect your loved ones from the financial burden of:
- Funeral costs
- Any debts or mortgages that will need to be paid off
- Any taxes you might owe
How coverage works
No medical exam. No needles. No complicated forms.
No Medical life insurance coverage is available from $5,000 up to $750,000 — and up to $1 million on other 4Them plans. Whether you’re 18 or 80, you can apply, including temporary residents with a valid work or study permit.
4Them connects you with No Medical and Simplified Issue life insurance options, giving you the freedom to secure a plan that covers your final expenses without a medical exam or needles. Even with existing health issues, you can apply for convenient, reliable, and affordable coverage.
Applying is easy
A short set of questions online, with a licensed advisor guiding you through the rest by phone.
Affordable rates
Plans are built around what you tell us about your income and goals, not a one-size-fits-all price.
Coverage even with health issues
No Medical and Simplified Issue options exist for applicants who wouldn't qualify for traditional life insurance.
Fixed premiums
Once your policy is in place, your premium is fixed for the duration of your plan — no surprise increases.
How it works
Four simple steps, at your own pace.
Tell us about yourself.
Answer a few quick questions about your province, age and goals — about 2 minutes.
Review your options.
We'll let you know right away whether a plan looks available, then gather a bit more detail.
Speak with a licensed advisor.
Pick a day and time that works for you. An advisor calls to walk through your options — no pressure.
Put a plan in place.
Choose the coverage that fits, and your family's final expenses are one less thing to worry about.
Final expense & funeral costs
Will life insurance cover the cost of a funeral?
Your life insurance policy can be used to cover funeral costs as well as other outstanding expenses. In Canada, the cost of a funeral can range from a modest $5,000 to well over $15,000 — an expense your family would otherwise have to cover on their own.
A life insurance policy is designed to help your family cover funeral expenses and other costs, such as legal fees, estate taxes, and even small cash gifts for beneficiaries. It’s usually a low-cost option that can provide real peace of mind for you and your loved ones.
The quote above helps determine the right amount of coverage for your situation based on typical funeral costs and outstanding expenses. A licensed advisor will walk through your options and explain exactly how much coverage makes sense for your family.
$5,000–$15,000+
Typical range for funeral and burial costs in Canada
Illustrative range based on common industry cost reporting.
73%*
Of Canadians say they'd rather plan final expenses in advance than leave it to family
*Illustrative figure; individual attitudes vary.
2 min
Average time to complete the 4Them quote questionnaire
Families who planned ahead
What it feels like to have it taken care of.
“The process was much simpler than I expected. I mainly wanted to know my kids wouldn't have to figure everything out themselves, and now that's taken care of.”
“I have a health condition that made me assume I wouldn't qualify for anything. A no-medical plan meant I didn't have to worry about that at all.”
“We scheduled the call, talked it through in about twenty minutes, and had a plan in place by the end of the week. It felt like one less thing on our list.”
Illustrative examples reflecting common customer experiences, shared with permission patterns typical of our advisors’ conversations.
Questions families ask
Frequently asked questions.
Can I get coverage if I already have health issues?
Often, yes. No Medical and Simplified Issue plans are designed for people who may not qualify for traditional life insurance because of an existing health condition. A licensed advisor can walk through which options apply to your situation.
How much does final expense insurance cost?
It depends on your age, province, gender and the amount of coverage you choose. Most families select coverage between $5,000 and $25,000. Your quote gives you a personalized starting point at no cost.
Who receives the money?
You choose your beneficiary when you apply — typically a spouse, partner, child, grandchild, or another person you name. The tax-free benefit is paid directly to them.
Can the money be used for more than funeral costs?
Yes. Beneficiaries can use the benefit however they need to — funeral and burial costs, outstanding debts, legal fees, estate taxes, or simply as a cash gift.
What happens if I already have life insurance?
Many people add a final expense plan alongside existing coverage to make sure funeral costs specifically are accounted for, without touching the coverage meant for other purposes.
Do I need a medical exam to apply?
No. 4Them's No Medical plans don't require a medical exam or needles. You'll answer some health questions honestly as part of your application.
For you now. For them later.
Because the plan isn’t really for you. It’s 4Them.
Take two minutes today, and give your family one less thing to figure out later.