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Life Insurance Comparison

Compare Our Life Insurance Plans

Term Life Insurance  

Term 10

Permanent Life Insurance  

Century Life, Whole Life 100, Easy Access®/Preferred Access®

Issue ages

Age range to be eligible for the product.

Term 10 - Under $100,000 15 days to 65 years
Term 10 - Over $100,000 18 to 65 years
Century Life 15 days to 70 years
Whole Life 100 15 days to 85 years
Easy Access® / Preferred Access® 40 to 85 years
Face amount

Total amount for which you are covered.

Term 10 - Under $100,000 $25,000 to $99,999
Term 10 - Over $100,000 $100,000 and up
Century Life $10,000 and up 
Whole Life 100 $5,000 and up 
Easy Access® / Preferred Access® Up to $35,000
Contract length
Term 10 - Under $100,000Term (10 years)
Term 10 - Over $100,000Term (10 years)
Century LifePermanent
Whole Life 100Permanent
Easy Access® / Preferred Access®Permanent
Guaranteed level premiums

Premiums remain the same for the duration of the contract. They will not increase.

Term 10 - Under $100,000Yes, for 10 years
Term 10 - Over $100,000Yes, for 10 years
Century LifeYes
Whole Life 100Yes
Easy Access® / Preferred Access®Yes
Guaranteed renewable

Able to renew your plan for a new term with no health questions or tests as each term expires. 

Term 10 - Under $100,000Yes, up to age 75 
Term 10 - Over $100,000Yes, up to age 75 
Century Lifen/a
Whole Life 100n/a
Easy Access® / Preferred Access®n/a
Convertible

Able to convert the plan to a permanent Medavie Blue Cross product with no health questions or tests. 

Term 10 - Under $100,000Yes, up to age 65 
Term 10 - Over $100,000Yes, up to age 65 
Century Lifen/a
Whole Life 100n/a
Easy Access® / Preferred Access®n/a
Qualifying for coverage
Term 10 - Under $100,000Medical questionnaire*
Term 10 - Over $100,000Regular plan: Medical questionnaire*
Enhanced plan: Medical exam§
Century LifeMedical questionnaire*
Whole Life 100Medical questionnaire*
Easy Access® / Preferred Access®Medical questionnaire*


* With a medical questionnaire, you are asked questions about your medical history to qualify. (Some medical testing may be necessary based on age and face amounts.)

§ With a medical exam, a doctor or nurse will perform an examination that may include taking blood pressure, blood tests and/or urinalysis. This may qualify you for better rates. 

Optional riders available
Term 10 - Under $100,000Family term rider
Waiver of premium
Accidental death
Term 10 - Over $100,000Family term rider
Waiver of premium
Accidental death
Century LifeFamily term rider
Waiver of premium
Accidental death
Whole Life 100Family term rider
Waiver of premium
Accidental death
Easy Access® / Preferred Access®Accidental death (included with coverage)


Family term rider: Extend coverage to your spouse and children at affordable rates. When children reach age 21, they can convert their coverage to permanent life insurance with Medavie Blue Cross, at up to five times its previous value—no matter what their health. 

Waiver of premium: If, prior to age 60, you become disabled (as defined in the policy) for a period of at least 6 months during the term of the contract, the premiums for your life insurance policy are waived for the duration of your disability. 

Accidental death: This option provides an additional payment to your beneficiary should your death be the result of an accident. Provide your beneficiary with up to two times the amount of coverage included under your life insurance policy.

Cash surrender value

Amount of money to which you are entitled should you decide to end your contract.

Term 10 - Under $100,000No
Term 10 - Over $100,000No
Century LifeNo
Whole Life 100Yes (after 5 years)
Easy Access® / Preferred Access®Yes (after 3 years)
Immediate death benefit

No waiting period before the death benefit is payable. 

Term 10 - Under $100,000Yes
Term 10 - Over $100,000Yes
Century LifeYes
Whole Life 100Yes 
Easy Access® / Preferred Access®Yes
Minimum premium amount

Premiums vary based on how much insurance you want and whether you pay monthly or yearly. 

Term 10 - Under $100,000$10 per month or $100 per year 
Term 10 - Over $100,000$10 per month or $100 per year 
Century Life$20 per month or $200 per year 
Whole Life 100$20 per month or $200 per year (reduced for children)
Easy Access® / Preferred Access®$20 per month or $200 per year

Life insurance products can be complex. 

The product information here provides a summary of product details only. We can help!