Funeral Expense Insurance

Funeral insurance covers final expenses, providing a lump sum to pay for burial, cremation, and other end-of-life costs. This coverage helps ease the financial burden on your loved ones, ensuring peace of mind during difficult times.

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4.8 Stars
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Our Reviews

Excellent4.8 Based on 352 reviews from ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koyajs_loader
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Understanding Funeral Expense Insurance

Funeral insurance, also known as burial insurance or final expense insurance, is a type of permanent life insurance. Unlike traditional life insurance, which provides a general death benefit, funeral insurance specifically covers end-of-life expenses such as funeral services and burial costs.

Here’s a breakdown of the differences between funeral insurance and general life insurance:


  • Funeral Insurance: Designed to cover funeral expenses, including burial or cremation costs.
  • Life Insurance: Offers comprehensive coverage for various financial needs, such as income replacement, debt payoff, education funding, and more.


  • Funeral insurance premiums are often fixed and more affordable than permanent life insurance premiums.
  • Life insurance premiums can vary widely based on policy type, coverage amount, term, age, health, and lifestyle.


  • Funeral insurance provides coverage for the policyholder’s lifetime.
  • Life insurance can also offer lifetime coverage if premiums are paid1.

Key Benefits

Here are the key benefits of having Funeral Expense Insurance in Canada:

Financial Relief:

Funeral insurance ensures that your loved ones receive a lump sum payment specifically for end-of-life expenses, easing their financial burden.

Peace of Mind:

Knowing that there’s money set aside for funeral costs provides peace of mind for both policyholders and beneficiaries.

Streamlined Process:

The tax-free payout from a life insurance policy can be designated specifically to cover funeral expenses, simplifying the management of funeral costs.

Different Types of Funeral Expense Insurance

In Canada, there are two primary types of funeral insurance policies: simplified issue life insurance and guaranteed issue life insurance. Let’s delve into each type:

Simplified Issue Life Insurance

This type of funeral insurance caters to individuals who seek coverage without undergoing a medical exam. It offers a simplified application process, making it accessible for those with health concerns. While premiums are typically higher than traditional life insurance policies, the death benefit pays out to cover funeral expenses, memorial services, and other end-of-life costs.

Guaranteed Issue Life Insurance

On the other hand, this type of funeral insurance requires no health questions or medical exams, ensuring acceptance regardless of health status or age. Although premiums are higher due to the lack of underwriting, this type is ideal for seniors or those with serious health issues who may have been declined for traditional coverage.

Tips for Saving Money on Funeral Expense Insurance

When it comes to funeral insurance in Canada, there are ways to save money while ensuring your loved ones are protected. Let’s explore some practical tips:

Compare Plans Wisely:

Regularly comparing funeral insurance plans allows you to stay informed about available options and potential cost savings. Reviewing policies annually or when major life changes occur ensures you’re getting the best coverage at the most competitive rates.

Choose Term Life Insurance:

Consider term life insurance specifically for covering funeral expenses. Term policies are more affordable than permanent ones. They provide coverage during specific years (like when you have a mortgage and children at home). Permanent policies are much costlier because they guarantee a payout regardless of when you pass away.

Buy Only What You Need:

Calculate the precise amount of coverage you require. Avoid overprotecting yourself and your family by purchasing only what’s necessary. Consider your debts, income, mortgage, and education costs for your kids.

Take the Life Insurance Medical Exam:

While some policies promise instant approval without a medical exam, these “no-medical” options are costlier. Opt for a standard term life insurance policy that requires a medical exam. It’ll likely save you money in the long run.

Explore Government Funeral Grants:

Group health and dental insurance plans, often offered through employers or professional associations, typically provide more comprehensive coverage at lower rates compared to individual policies. Take advantage of group coverage options if available, as they often offer significant cost savings and broader benefits.

Maintain Good Health Habits

In Canada, government programs provide financial relief to families dealing with funeral expenses. These grants can help cover funeral-related costs through federal and provincial assistance programs, including the Canada Pension Plan (CPP) and specific COVID-19-related assistance.

FAQ’s – Funeral Expense Insurance

Learn more about Funeral Expense Insurance with our FAQ section. Get answers to common questions about coverage, benefits, and more.

Funeral expense insurance, also known as burial or funeral insurance, is a type of whole life insurance specifically marketed to cover the expenses associated with end-of-life arrangements. These expenses may include funeral costs, memorial services, receptions, cremation, and burial.

Funeral expense insurance is ideal for individuals who want to ensure their funeral expenses are covered without burdening their family. It’s particularly beneficial for seniors or those with health conditions that may make obtaining traditional life insurance more challenging.

The appropriate coverage amount for funeral expense insurance depends on your preferences and the anticipated costs of your funeral arrangements. Consider factors such as burial or cremation expenses, funeral services, and any outstanding debts you’d like to cover. Research local funeral costs to determine an appropriate coverage level1.

Yes, many Funeral Expense Insurance providers offer coverage regardless of pre-existing health conditions. However, premiums may vary depending on your health status. Some policies may have waiting periods or exclusions for certain conditions, so it’s essential to review the terms and conditions of the policy carefully.

Applying for Funeral Expense Insurance typically involves completing an application form and providing information about your health and personal details. Many insurance companies offer online applications for convenience. Once you submit your application, the insurer will assess your eligibility and may require a medical examination or review of medical records. Upon approval, you’ll start paying premiums to maintain coverage.

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