4Thought Assurance
4Thought Assurance
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    • Home
    • Allied Professionals
      • Our Funeral Partners
      • Insurance Professionals
      • HR Professionals
    • Our Team
    • Agent Login
  • Home
  • Allied Professionals
    • Our Funeral Partners
    • Insurance Professionals
    • HR Professionals
  • Our Team
  • Agent Login

Building a solid foundation for the future.

Building a solid foundation for the future.

Our mission is to empower families with peace of mind and financial protection through pre-arranged funeral plans while ensuring dignity, care, and certainty when it matters most.

Why should I pre-arrange?

Your family will thank you

Funeral costs are unavoidable

Your family will thank you

Pre-arrangements allow your family to feel confident that they're making the right decisions in your end-of-life care. Pre-planning is a gift to your loved ones.

Funeral costs are rising

Funeral costs are unavoidable

Your family will thank you

On average, funeral costs double every 10 years. When you pre-arrange with 4Thought Assurance, you get today's price, no matter how much time passes.

Funeral costs are unavoidable

Funeral costs are unavoidable

Life insurance is wasted on funeral expenses

Funeral costs are something that 100% of people will need to pay. Pre-arranging is the smart way to take care of that cost, no matter what your funeral preferences are.

Life insurance is wasted on funeral expenses

Life insurance is wasted on funeral expenses

Life insurance is wasted on funeral expenses

Would you rather leave your family $100,00 or $80,000? Pre-arranging protects the value of your life insurance by securing the lowest possible cost for funeral services.

The future is uncertain

Life insurance is wasted on funeral expenses

The future is uncertain

Tending to end-of-life financial matters now ensures security for the future. Low monthly payments now mean no lump sums at the time of death.

4thought's key advantages

No Medical Exams

Accounts for Life Changes

Shielded from Inflation

Avoided applying for insurance due to age or health conditions? Our plans have no exclusions based on age or health conditions.

Shielded from Inflation

Accounts for Life Changes

Shielded from Inflation

With our plans, the price tomorrow is the price today. No matter how much costs rise in the future, your loved ones won’t pay inflation.

Accounts for Life Changes

Accounts for Life Changes

Accounts for Life Changes

Whether you move to another city, need to change a named beneficiary, or change bank accounts, you will have flexibility and support.

No Delays

Insured Payment Plans

Accounts for Life Changes

4Thought ensures that there will not be any PAYMENT DELAYS. Survivors will receive services immediately. No out-of-pocket expenses for survivors.

REAL Service 24/7

Insured Payment Plans

Insured Payment Plans

Our partner funeral homes are here 24 hours a day to provide immediate assistance. They will already know your wishes and so will your survivors.

Insured Payment Plans

Insured Payment Plans

Insured Payment Plans

Choose from payment plans between 1-15 years. If you pass away before paying your plan off, all remaining payments are paid out.*

Travel Coverage

Free Generational Coverage

Free Generational Coverage

For travelers, we offer coverage for death abroad. We handle consulates, airlines, and foreign funeral homes. We do all the work to bring you home and pay the bills upfront.

Free Generational Coverage

Free Generational Coverage

Free Generational Coverage

Each policy provides additional coverage for one grandchild or great-grandchild, offering a free, equal-value payout in the case of a premature death.

explore your options with 4Thought Assurance

Professionals you can trust

Specialists in Pre-need Care

We pride ourselves on our meticulous approach to providing care. Whether it’s tailoring your plan to meet your financial needs, or assisting you in selecting a package that suits your unique preferences - our experienced consultants are with you every step of the way.

Privacy and Security

Your plans are as important to us as they are to you. That’s why we maintain your information in a safe, secure, and accurate system, ensuring your wishes are honoured when the time comes. We continue to update records per your instruction and make adjustments as your life changes.

Peace of Mind

Financial concerns shouldn’t stand in the way of planning ahead. Flexible options tailored to your needs mean you can pre-plan with confidence.

here for you 24/7.

Copyright © 2026 4Thought Assurance - All Rights Reserved.


4Thought Assurance is not a funeral home and does not provide at-need services. Our staff are contract employees of our partner funeral homes.

All Final Expense policies for our partner funeral homes are underwritten by Equitable Life of Canada.



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