Form_1_Extreme_Insurance
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Take our quiz and find out exactly how much we recommend!
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No Obligation
No locked-in contracts, cancel anytime.
Lowest Prices
We’ve shopped the market to find you the best prices, guaranteed.
Need Help?
Call 1-403-800-9108
Mon-Fri 9:00-5:00 MST
Not sure if this is the best plan for you?
No problem we can walk you through some simple questions to make sure you get a plan that’s the perfect fit.
FAQ’s
- Death from any activity in any country (Excluding suicide in the first two years)
- A lump sum tax-free death benefit that will be paid to your loved ones in the event that you, unfortunately, passed away
- A fixed-rate for the term that you select and guaranteed renewability (meaning you can renew the policy once your term is finished regardless of what happens to your health)
- 30-day grace period for missed payments
- 10-day free look period to cancel and get all your premiums back
- Cancel anytime after that without fees or penalties
- Suicide in the first two years of the policy (this is industry standard), however, your premiums paid would be returned if this did occur
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Both policies through CPP and iA are “Simplified Issue” products. This type of insurance is typically cheaper than traditional insurance for individuals who are engaged in extreme sports. Traditional insurance may appear less expensive initially but once your sports are disclosed the price is usually significantly increased or they will offer you an exclusion for those sports. You can learn more about that here
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All companies and insurance brokers will show prices for traditional life insurance at standard rates. That price is only an estimate and assumes that your lifestyle habits don’t include any extreme sports. If you went to apply for any of these companies, they would offer you either an exclusion (meaning they won’t cover) for your sports, or a rating. In most cases, the rating will be substantially more expensive than our simplified issue products. You can learn more about that here
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If you aren’t ly involved in any extreme sports, it may be cost effective for you to apply with a traditional product (which we also offer!). If you’re not certain which side of the fence you’re on, schedule a call with us and we’ll push you in the right direction.
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Nope! Our simplified issue products that cover extreme sports don’t require a medical exam. You can skip the needles and paramedical questions!
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There are only two reasons an insurance company can deny a claim. Suicide within the first 2 years and fraud on the application. If you answer the questions truthfully, you have nothing to worry about. Read more about that here
- Death from any activity in any country (Excluding suicide in the first two years)
- A lump sum tax-free death benefit that will be paid to your loved ones in the event that you, unfortunately, passed away
- A fixed-rate for the term that you select and guaranteed renewability (meaning you can renew the policy once your term is finished regardless of what happens to your health)
- 30-day grace period for missed payments
- 10-day free look period to cancel and get all your premiums back
- Cancel anytime after that without fees or penalties
- Suicide in the first two years of the policy (this is industry standard), however, your premiums paid would be returned if this did occur
- Suicide in the first two years of the policy (this is industry standard), however, your premiums paid would be returned if this did occur
Both policies through CPP and iA are “Simplified Issue” products. This type of insurance is typically cheaper than traditional insurance for individuals who are engaged in extreme sports. Traditional insurance may appear less expensive initially but once your sports are disclosed the price is usually significantly increased or they will offer you an exclusion for those sports. You can learn more about that here
All companies and insurance brokers will show prices for traditional life insurance at standard rates. That price is only an estimate and assumes that your lifestyle habits don’t include any extreme sports. If you went to apply for any of these companies, they would offer you either an exclusion (meaning they won’t cover) for your sports, or a rating. In most cases, the rating will be substantially more expensive than our simplified issue products. You can learn more about that here
If you aren’t actively involved in any extreme sports, it may be cost effective for you to apply with a traditional product (which we also offer!). If you’re not certain which side of the fence you’re on, schedule a call with us and we’ll push you in the right direction.
- Besides suicide in the first two years, the only other main reason an insurance company can deny a claim is for lying on your application
- Intentionally leaving out information or blatantly lying on your application can give the insurance company a reason to deny your claim
- Ensure that you read through each question carefully and answer them truthfully
- If you are unsure about any of the questions don’t hesitate to schedule a meeting with our team to ensure you completely understand them
Our customers share our passion
OUR PLEDGE
A portion of our profits goes back to help support the initiatives of many mountain programs of Mountain Search and Rescue teams, Mountain Muskox, Tabvar, Alpine Club of Canada, the Association of Canadian Mountain Guides, and others.
