Skip to main content

Permanent Life Insurance

Permanent life insurance provides guaranteed security—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.

Questions? Ready to apply?

Let us help.