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Life insurance takes care of your family’s financial needs when it matters most. With term life insurance, you can get affordable coverage for as long as you need it.
Term life insurance provides flexible, short-term coverage for a certain number of years. Unlike whole life insurance, which covers the duration of your life, term life insurance lets you choose how long you want coverage for.
Blue Cross Life® Insurance offers term lengths of 10, 20 or 25 years. If you pass away at any point during your term, your beneficiaries will receive a death benefit—a tax-free, lump sum payment.
Choosing a term length depends on the kinds of financial responsibilities you might have now and in the future. This could include:
Our Term Life Insurance plan helps your loved ones and beneficiaries maintain their current lifestyle by offering a lump-sum payment. This can help take care of their financial needs like living expenses and pay off debts when you are gone.
To qualify for no medical exam, you must answer no to all medical and lifestyle questions. If you answer yes or if there is a report about your insurability, you may be asked to provide more information after submission. Medical exams are required if the age and sum insured fall outside the following ranges.
We’re here to help. Talk to an agent at 1-800-873-2583.
Life insurance is more affordable than you might think. For a cost similar to your monthly cell phone bill, you can ensure financial peace of mind for you and your loved ones.
Most people choose to buy life insurance when they experience a significant life event, such as marriage, welcoming a new child or purchasing a home. While life insurance is cheaper to buy at a younger age, it’s an investment you can make any time. The money you leave behind will help reduce the financial stress when you’re gone.
To help you determine how much coverage you need should you pass away, consider the debts, assets and other family needs that may occur, along with any income that may be available. Enter those details using the coverage calculator to find out how much coverage you need.
You can get a quote and purchase a plan online. But sometimes it helps to talk to a person about your unique circumstances to find the right plan. Our Blue Cross advisors can give advice and answer your questions. Contact an agent at 1-800-873-2583 from Monday to Friday.
Maximum coverage amount for term life insurance.
Coverage options for people over the age of 60.
Changes to your premiums for the initial duration of the term.
Canadians between 18 and 70 years old can get a quote and buy online.
If you are between 71 and 85 years old or need a unique solution to suit your needs, our agents can help you. Give them a call at 1-800-873-2583 from Monday to Friday.
An add-on (rider) is additional insurance you can add to your policy. It helps broaden your coverage and provides additional financial protection against the unexpected. A Critical Illness add-on provides a lump sum payment if you are diagnosed with one of 16 covered critical illnesses and survive the survival period specified in the contract. A Critical Illness add-on cannot be purchased alone. It can only be added to eligible policies.
Are you a smoker? *
In the past twelve (12) months, have you used any substance or product containing tobacco, nicotine, or marijuana mixed with nicotine, or used e-cigarettes?
Coverage Calculator
Not sure how much coverage you need? Use our handy coverage calculator. * Disclaimer: For informational purposes only. Not a binding recommendation.
Residents of Quebec must complete a mandatory needs analysis to proceed. The Needs analysis is an essential process that the client must complete and review with a financial agent to properly assess their needs and ensure the proper coverage is obtained. For more information on this requirement, please visit: https://lautorite.qc.ca/en/general-public/.
Would you like to add Critical Illness coverage to you quote?
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