RateSavingScout

Cover your funeral costs. Protect your family.

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A licensed broker in your province will reach out shortly. Keep an eye on your phone — most brokers follow up within a few hours.

1,000+
Canadians helped find coverage
100%
Licensed insurance professionals
Free
No cost, no obligation
2 min
Takes just 2 minutes to apply
What is final expense

Simple coverage. Lasting peace of mind.

Final expense insurance pays a tax-free lump sum directly to your loved ones when you pass — designed to cover funeral costs, burial expenses, and any outstanding bills, so your family isn't left scrambling to pay for it themselves. Whatever isn't needed for expenses is theirs to keep, tax-free.

🛡️
Covers funeral & burial costs
The average Canadian funeral costs $10,000–$15,000. Final expense coverage ensures that bill never falls on your family.
💸
Tax-free payout to loved ones
Your beneficiary receives the full death benefit tax-free. Any amount left after expenses is theirs to keep — no strings attached.
📋
No medical exam required
Most plans require only a short health questionnaire. No doctors, no needles, no waiting on lab results to get approved.
How it works

Find your coverage in 4 simple steps

Takes about 2 minutes. No exam, no commitment, no pressure.

1
Answer a few questions
Tell us your province, age, and coverage needs. The whole form takes about 2 minutes.
2
Get matched
We connect you with a licensed broker in your province who specializes in final expense coverage.
3
Review your options
Your broker walks you through available plans and pricing — completely free, no obligation.
4
Choose what fits
No pressure. You decide if and when coverage makes sense. The choice is always yours.
Why RateSavingScout

One form. One broker. Zero cost to you.

We're not an insurance company. We're an independent matching service — which means we work for you, not the insurer.

FAQ

Common questions

Everything you need to know before getting started.

No. Most final expense plans are simplified issue — a short health questionnaire, no physical exam required.
Premiums depend on your age, province, and coverage amount. Most plans start as low as $20–$40/month for smaller coverage amounts.
No. Final expense insurance locks in your rate at approval. It will never increase and your coverage will never decrease.
You name a beneficiary — typically a spouse or child — who receives the tax-free death benefit directly to cover funeral and end-of-life expenses.
No. We're an independent matching service. We connect you with licensed brokers at no cost to you. The brokers we work with are fully licensed in their province.
Final expense insurance is often used alongside existing coverage. It's specifically designed to cover funeral and burial costs, which traditional life insurance may not fully address.

Trusted by Canadians across the country

1,000+
People helped find coverage
100%
Licensed insurance professionals
Free
No cost, no obligation

What is final expense insurance?

Final expense insurance — sometimes called burial insurance or funeral insurance — is designed to cover end-of-life costs such as funeral arrangements, burial or cremation, outstanding medical bills, and other expenses your family may face after you're gone.

Unlike traditional life insurance, final expense policies are simpler to qualify for. Most plans require no medical exam and ask only a few health questions. Coverage typically ranges from $5,000 to $50,000, making it affordable for seniors on a fixed income.

Once approved, your premiums never increase and your coverage never decreases — it stays in place for life as long as premiums are paid.

What we offer

How it works

Common questions

Is there a medical exam?
No. Most final expense plans are simplified issue — meaning you answer a short health questionnaire, but there is no physical exam required.
How much does it cost?
Premiums depend on your age, province, coverage amount, and health history. A licensed broker will walk you through exact pricing — most plans start as low as $20–$40/month for smaller coverage amounts.
Will my premiums go up?
No. Final expense insurance locks in your premium at the time of approval. It will never increase, and your coverage will never decrease.
Who pays out the benefit?
You name a beneficiary — typically a spouse, child, or other family member — who receives the tax-free death benefit directly to cover funeral and end-of-life expenses.
Is RateSavingScout an insurance company?
No. We are an independent matching service. We connect you with licensed insurance brokers in your province at no cost to you. The brokers we work with are fully licensed and regulated in their respective provinces.

RateSavingScout is an independent quote-matching service, not an insurance company. Rates and eligibility vary by age, province, and insurer.

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