The Edge Benefits - No Medical Insurance ProductsFounded: 1989
  • Term Insurance
    Permanent Insurance
    Disability Insurance
    Disability Insurance
    Critical Illness Insurance

LICAT Ratio 2023
Financial Rating: A++
Underwritten by Chubb

Edge logoIn the ever-evolving Canadian insurance industry landscape, The Edge Benefits has emerged as a trailblazer, revolutionizing how individuals and small businesses approach their financial security.

As a leading provider of affordable, flexible insurance solutions, The Edge's mission is to equip Canadians with the protection they need to navigate life's uncertainties confidently.

Guaranteed Issue Life Insurance: Securing Your Final Expenses

One of the cornerstones of The Edge Benefits' offering is their Guaranteed Issue Life Insurance.

This simplified, small life insurance policy provides affordable coverage for final expenses, ensuring that your loved ones are not burdened with the financial implications of your passing.

Unlike traditional life insurance policies, The Edge's Guaranteed Issue plan requires no medical exam, health questions, or medical underwriting, making it an accessible option for those who may not qualify for or afford conventional coverage.

The Advantages of Guaranteed Issue Life Insurance

  • Immediate Coverage: The policy provides immediate coverage, with no waiting period, for those aged 18 to 69.
  • Flexible Coverage Amounts: Individuals can choose coverage amounts ranging from $5,000 to $50,000, tailoring the plan to their needs.
  • Tax-Free Lump-Sum Payout: The benefit paid to your designated beneficiaries is tax-free, ensuring the total amount is available to address final expenses.
  • Accidental Death Benefit: In the event of accidental death, the beneficiary will receive four times the benefit amount.
  • Living Benefit Payout: If you are diagnosed with a terminal illness with a prognosis of death within 12 months, the policy will pay you 50% of the benefit amount at the time of diagnosis, with the remaining 50% paid after your passing.

Disability Income Replacement: Protecting Your Livelihood

The Edge Benefits has also revolutionized disability income replacement within the Canadian insurance landscape, making these crucial benefits affordable, easy to qualify for, and quick to issue.

Their comprehensive disability coverage protects against the loss of income due to injury or illness, providing a monthly income replacement that can be used to cover medical bills, living expenses, and other financial obligations.

Streamlined Disability Insurance Options

  • Guaranteed-Issue Injury-Only Coverage: Individuals aged 18-69 who work at least 20 hours per week and 35 weeks per year can qualify for this affordable income replacement protection.
  • Injury and Illness Coverage: Besides the injury-only plan, The Edge offers a simplified underwriting process for illness coverage, ensuring comprehensive protection.
  • Flexible Benefit Amounts and Waiting Periods: Clients can choose from a range of benefit amounts and waiting periods to coordinate with other sources of income, such as Employment Insurance.
  • 24-Hour or Non-Occupational Coverage: Individuals can select the coverage that best suits their needs, whether it's protection for on-the-job or off-the-job incidents.

Business Overhead Expense Protection: Safeguarding Your Livelihood

As the self-employed workforce in Canada continues to grow, The Edge Benefits recognized the need for comprehensive business protection. Their Business Overhead Expense (BOE) insurance is designed to keep your business running during a period of disability, ensuring that fixed expenses like rent, utilities, and employee salaries are covered.

Tailored BOE Coverage Options

  • Injury-Only Coverage: This cost-effective plan reimburses business expenses up to $6,000 per month, and approval is guaranteed for those who meet the eligibility criteria.
  • Injury and Illness Coverage: For comprehensive protection, The Edge offers BOE coverage that extends to injuries and illnesses, with the option to tailor the benefit amount to your business needs.
  • Flexible Benefit Amounts: Clients can choose from a range of monthly benefit amounts, from $1,000 to $6,000, to cover their most critical expenses.
  • Tax Advantages: Depending on your business structure, the BOE benefit can be paid directly to the business or the business owner, potentially offering tax advantages.

Critical Illness Insurance: Navigating Life's Unexpected Challenges

The Edge Benefits' Critical Illness Insurance provides a tax-free lump-sum payment to help alleviate the financial burden of a critical illness diagnosis. With a comprehensive list of covered conditions and the option to increase coverage without undergoing extensive medical examinations, this protection offers peace of mind during a time of uncertainty.

Comprehensive Critical Illness Coverage

  • Guaranteed Issue Tier 1 Coverage: All individuals aged 18-64 can qualify for up to $25,000 in critical illness coverage, with the option to increase coverage to $50,000 or $75,000.
  • Simplified Tier 2 Coverage: Clients can increase their coverage to $100,000 or $125,000 without extensive underwriting by answering a few medical questions.
  • Second Event Benefit: The Edge's critical illness coverage includes a unique feature that allows clients to receive compensation for a second, unrelated critical condition.
  • Child Critical Illness Rider: For an additional monthly fee, clients can extend critical illness coverage to their children, providing $10,000 in protection from birth to age 21.

Accidental Death and Dismemberment: Safeguarding Against the Unexpected

The Edge Benefits' Accidental Death and Dismemberment (AD&D) coverage offers a tax-free lump-sum payment in the event of an accidental death or life-altering injury.

This affordable protection provides financial security for individuals and their families, ensuring they have the resources to navigate the challenges that may arise from such unexpected circumstances.

Tailored AD&D Coverage Options

  • Guaranteed-Issue Single Plan: Individuals aged 18-64 can qualify for 24/7 AD&D coverage, with benefit amounts ranging from $50,000 to $300,000.
  • Guaranteed-Issue Family Plan: The family plan covers the principal insured at 100%, the spouse at 50%, and dependent children at 15% of the selected benefit amount.
  • Accidental Medical Reimbursement Benefit: For those with The Edge's income replacement coverage, the AD&D plan offers an additional $100,000 in reimbursement for medical expenses related to an accident.
  • Supplementary Benefits: The AD&D coverage includes additional benefits, such as daycare, education, home alteration, and vehicle modification, to support individuals and their families during the recovery process.

The Edge Difference: Tailored Solutions for Your Unique Needs

At the heart of The Edge Benefits' approach is a deep understanding that one-size-fits-all insurance solutions don't work.

The brand has revolutionized the industry by offering a la carte flexibility, allowing clients to customize their coverage and pay only for the protection they need.

The Edge's Unwavering Commitment to Clients

  • Guaranteed Issue Coverage: The Edge's plans often do not require medical exams, health questions, or lengthy underwriting processes, making it easier for individuals to secure the coverage they need.
  • Affordable and Transparent Pricing: The Edge's rates are consistently low and unaffected by pre-existing conditions or family medical history, ensuring clients receive transparent and predictable premiums.
  • Seamless Coverage Transitions: The Edge's policies are designed to provide seamless coverage through job and life transitions, offering clients the peace of mind that their protection will remain in place.
  • Multi-Product Discounts: Clients who combine The Edge's Health & Dental coverage with any other EDGE plan can take advantage of exclusive multi-product discounts.
  • Concierge Claims Assistance: The Edge's quality guarantee and personalized claims assistance make purchasing and receiving benefits easy and stress-free.


In a world of uncertainties, The Edge Benefits has emerged as a trusted partner dedicated to empowering Canadians with comprehensive insurance solutions tailored to their unique needs.

The Edge has positioned itself as an industry leader by offering various products, from Guaranteed Issue Life Insurance to Accidental Death and Dismemberment coverage. It is committed to providing individuals and small businesses the financial security to navigate life's challenges confidently.

Whether you're seeking protection for your final expenses, livelihood, business, or overall well-being, The Edge Benefits is here to guide you through the complexities of the insurance landscape, ensuring that you and your loved ones are prepared for the future.

Life Insurance Solutions proudly offers The Edge Benefits to our clients and other top no-medical-exam insurance companies in Canada. We will compare all your insurance solutions to ensure you have the best insurance rates in the country.

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