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Blue Cross Life® Insurance

Get peace of mind on your terms by providing your loved ones with financial security.

Coverage to protect your family.


Life insurance provides your loved ones with a one-time tax-free payment after you pass away that can be used at their discretion.
Should the worst happen, know your family is protected with the resources they need to cover expenses.

Starting a family

Supplement lost income so your family can continue their quality of life.

Purchasing a home

Cover mortgages and debts to relieve financial burdens.

Preparing for your future

Cover final expenses so your family doesn't have to.

What is term life insurance?

Term life insurance offers a fixed payment amount for given number of years. It guarantees your rates for a set period of time.

We offer three types of coverage for a fixed period:

  • 10-year term.
  • 20-year term.
  • 25-year term.

As a result, it's more affordable and provides you with more suitable coverage at a time in your life when you might need it most.

When do you need it?

If you pass away unexpectedly while your policy is active, the payout from term life insurance can:

  • Use to cover your mortgage.
  • Supplement a loss of income.
  • Pay off debts.
  • Provide child-care costs.
  • Maintain living expenses.

When do you need it?

If you pass away unexpectedly while your policy is active, the payout from term life insurance can:

  • Use to cover your mortgage.
  • Supplement a loss of income.
  • Pay off debts.
  • Provide child-care costs.
  • Maintain living expenses.

Ready to protect your family with term life insurance?

Speak to an advisor: 1-800-873-2583

Permanent Life Insurance (Atlantic Canada Only)

Permanent life insurance is available for residents residing in the Atlantic region of Canada only (New Brunswick, Newfoundland & Labrador, Nova Scotia & Prince Edward Island).

Permanent insurance offers lifetime coverage. You pay the same premiums each year and your policy can be maintained until your death, regardless of your age. As an example, permanent life insurance can be used to cover final expenses.

Once you’re covered, you’re covered for life. This is ideal coverage for when you're young and healthy, because enrollment rates are guaranteed. Many also choose whole life insurance later in life when the children are grown, the mortgage is paid and retirement is on the horizon.

Easy & Preferred Access

One of our most popular products, Easy Access provides financial security and money for final expenses with no medical exams or tests.

And, if you can satisfy six additional health questions, you qualify for Preferred Access: the same great benefits as Easy Access – at even better rates.

  • Issue ages
    • Age range to be eligible for the product is 40 – 85 years.
  • Face amount
    • Total coverage amount up to $35,000.
  • Contract length
    • The contract is in force for life.
  • Guaranteed level premiums
    • Premiums remain the same for the duration of the contract. They will not increase.
  • Qualifying for coverage
    • To qualify for Easy Access, you'll be asked questions about your medical history to qualify—but there is NO medical exam*. For even better rates, answer six additional medical questions to qualify for Preferred Access.
  • Accidental death benefit
    • Coverage amount to your beneficiary doubles should your death be the result of an accident.
  • Immediate death benefit
    • No waiting period before the death benefit is payable.
  • Premium amount
    • Premiums vary based on how much insurance you want and whether you pay monthly or yearly. Minimum premium amount is $20 per month or $200 per year.

Cash surrender value, should you decide to end your contract, available after 3 years.

*Physician’s verification may be necessary based on age and face amounts.

**Blue Cross Life Insurance Company of Canada underwrites all life and disability benefits.


We can help you find the right Permanent Life Insurance plan for your needs.