Leave them a blessing,
not a bill.
One day, the people you love will get a phone call. Whether that day leaves them a burden or a blessing is decided now — up to TT$500,000 for them, from under $6 a day, right from your phone.
Answered by RAI 24/7 · Issued by a licensed team typically within 24 hours
Your rate, right now
Three answers. No name, no number, no waiting.
Indicative premium. Your exact premium is confirmed on your policy at issue.
Protect them now — instant decisionTheir maximum is our minimum.
Typical bank-sold funeral plans cap at TT$100,000 — that's where Xpress Life starts.
Comparison reflects published features of guaranteed-issue final-expense plans marketed locally, including bank-distributed plans. Xpress Life pays a return of premiums in year 1, half the sum assured in year 2, and the full sum assured from year 3.
Get a free side-by-side review — in one business day
Email a photo of your policy schedule and our team will send you a side-by-side breakdown — exactly what your family receives in years 1, 2 and 3, and what you'll pay over a lifetime. Free, no obligation, and yours to keep either way.
Email my plan for a free reviewPay for 20 years. Protect them forever.
Pay for 20 years only — protection continues for life. Then in year 21, choose:
Keep it — covered for life, and at maturity (~age 100) the full sum is paid to you, in cash.
Take it back — surrender in year 21 and receive every dollar of premium you ever paid.
The greatest gift you can leave your family
is a day to grieve — not a debt to carry.
Meet RAI, our leatherback — every question answered, 24/7
Born on a Trini beach, built to protect for 100 years. Ask your cost at your exact age, what your family gets in every policy year, and more.
Ready in 3 short steps
Your cover is locked in below. Applying with your spouse? One tap adds them — then continue.
About you
Exactly as it appears on your ID.
Please complete every field to continue.
Five eligibility questions
Word-for-word from the official application. A "Yes" or a blank means that plan can't be issued — answer honestly.
1. Within the last 5 years, have you ever had, been told you had, or been treated for heart or blood vessel disease, stroke, kidney disease or cancer?
2. Within the last 5 years, have you ever had, been told you had, or been treated for alcohol abuse, alcoholism or drug abuse?
3. Have you ever been told you have, been diagnosed with, or treated for AIDS, an AIDS-related complex, any disorder of the immune system, or tested positive for HIV?
4. Have you ever been rated, postponed/deferred or declined for Life or Health insurance because of your health or habits of life?
5. Do you have any Easicover policy/ies with Bancassurance Caribbean Limited where the total sum assured, together with this application, would exceed $500,000?
For your premium rate: have you used tobacco or nicotine products in the last 12 months?
Please answer every question.
Beneficiary & payments
Who we protect, and how your premiums are set up.
Your security: card and account numbers are never entered on this website. First premium is taken by one-time card authorisation (e-signed via DocuSign) or by your own online bank transfer — your choice above.
Boost your protection from day one
Xpress Life reaches full strength in year 3 — these cover the gap. No extra forms — a quote is simply included with your confirmation.
Please complete every field and confirm your declaration to submit.
Check it — then send it
This is exactly what we receive. A PDF copy is emailed to you the moment you submit.
You declared: answers true & complete · no physician has advised of any condition risking death within 12 months · untrue statements may void the policy with premiums refunded only.
One more step — our team takes it from here
Please choose a call time and confirm consent.
Pre-Approved
—
Any approval shown is based on your answers and is subject to verification and issue by the insurer. Your answers form part of the Proposal and Declaration on which the policy is issued; untrue statements may void the policy, with only premiums refunded. Your application has been transmitted securely to the Ricky Rampersad Branch.
Track your application
Your Ref and Access Code were emailed the moment you applied. We update you at every step — check live any time.