4Thought Assurance
4Thought Assurance
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  • Allied Professionals
    • Our Funeral Partners
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  • More
    • 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

Immediate service. Immediate Coverage.

Do you have trouble covering those 65 years of age and older?

Are you looking for new, multigenerational leads?

Are you trying to grow your commission revenue or number of agents?

Let us help your business grow

  • If you want marked growth in your insurance business, start with our Final Expense 
  • Ask how we can help with recruitment, growing sales, and generating leads
  • 4Thought provides dedicated staff to deliver ongoing education, sales training, and support 
  • We  provide direct support to agents for prospecting and selling, through ongoing training, seminars, webinars, or even meetings with clients alongside agents

4THOUGHT'S FINAL EXPENSE - a comprehensive approach

NO EXCLUSIONS

NO EXCLUSIONS

NO EXCLUSIONS

Without any exclusions, 4Thought can help cover the ‘uninsurable’ while supporting considerable lead generation.

NO DECISIONS

NO EXCLUSIONS

NO EXCLUSIONS

Our partners are licensed Funeral Directors ready to act, 24/7. You and your clients can call us anytime in Western Canada to be connected immediately.

NO INFLATION

NO EXCLUSIONS

NO INFLATION

Our plans LOCK IN INFLATION at the time of writing and have the added benefit of preserving the value of all other life insurance and savings. 

NO CONFUSION

NO CONFUSION

NO INFLATION

Policies are written with an itemized funeral home contract. Real instructions are the meaningful part of pre-planning.

NO DEAD ENDS

NO CONFUSION

NO DEAD ENDS

Once paid, each policy converts to whole-life coverage. Payments are insured (2-year limited life).

NO CLAIMS

NO CONFUSION

NO DEAD ENDS

4Thought ensures there are no claims, NO PAYMENT DELAYS, and no funeral home payment demands.

FAMILY COVERAGE

COVERAGE FOR DEATH ABROAD

COVERAGE FOR DEATH ABROAD

With each policy, your clients receive a duplicate payout in the case of the premature death of one grandchild or great-grandchild. Some conditions apply.

COVERAGE FOR DEATH ABROAD

COVERAGE FOR DEATH ABROAD

COVERAGE FOR DEATH ABROAD

All costs are covered for any death more than 100km from the primary residence. No out-of-pocket expenses. No limits, nor are benefits tied to medical expenses.

4thought's final expense system

TRADITIONAL INSURANCE

4THOUGHT’S FINAL EXPENSE

4THOUGHT’S FINAL EXPENSE

  • Does not lock in the price
  • Other Final Expense products over-insure
  • Acceptance up to 80 years at the top end
  • No funeral home price guarantee 
  • 24/7/365, there is no real support for survivors
  • Policies have no instructional value
  • Claims cannot start without a death certificate
  • Upfront funeral expenses to paid by survivors
  • This is REIMBURSEMENT

4THOUGHT’S FINAL EXPENSE

4THOUGHT’S FINAL EXPENSE

4THOUGHT’S FINAL EXPENSE

  • No inflation - protects life insurance & savings
  • Single-term of 1, 3, 5, 10, or 15 years
  • Converts to permanent coverage at the end of the term
  • No renewals
  • Acceptance up to 99 years of age
  • No medical and no exclusions
  • Network of 40+ funeral homes / assigned
  • Served 24/7 by licensed funeral professionals
  • Fully detailed for 100% of funeral homes
  • No claims, no out-of-pocket expenses 
  • This is COVERAGE

Welcome to 4Thought Assurance

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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