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Protect your loved ones' financial health with the most respected life insurance company in Canada—Blue Cross Life®.

When you have life insurance, you feel secure knowing your loved ones are protected. In the event of a death, life insurance will provide your loved ones with a death benefit—a tax-free, lump sum payment to help take care of their financial needs.

A death benefit could provide financial assistance with

  • mortgage payments,
  • support for a spouse,
  • funeral costs,
  • business expenses,
  • childcare costs,
  • tuition costs, and
  • everyday living expenses.

Get Blue Cross Life® Insurance

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Do you have more questions about life insurance or would like to learn more about additional coverage options? Speak to a personal life consultant to learn more at 1-800-873-2583.

Types of life insurance

When it comes to choosing a plan, there are options to consider.

Term Life Insurance

Term Life Insurance is a flexible and affordable option. This plan provides coverage to support your family for a set period of time. You decide how long you want coverage for by choosing a term length of 10, 20 or 25 years.

Whole Life Insurance

Whole Life Insurance provides permanent coverage that never expires. Your loved ones will receive a guaranteed death benefit. You can rest easy knowing there’s no need to renew your policy, and your premiums remain the same.

Additional life insurance plans tailored specifically for you

We also offer a selection of more specified plans that may support your needs. To learn more talk to a personal life consultant. They are ready to answer any questions you may have and can provide you with a plan tailored directly to your life and your needs.

Talk to a personal life consultant at

Term versus Whole Life Insurance

Wondering which plan is right for you? Let's look at some of the common differences between Term and Whole Life Insurance.

Term Life Whole Life
Your needs Affordable and temporary coverage to help pay for major expenses (such as a mortgage or tuition) Lifetime protection and peace of mind knowing your loved ones will receive a death benefit regardless of when you pass away
Eligible ages 18 to 70 years old 18 to 85 years old
Coverage maximum Coverage up to $10 million Coverage up to $500,000 depending on your age
Policy duration 10, 20 or 25 years For the rest of your life
Cash value No Guaranteed cash value
Payout Tax-free lump sum payment if you pass away during your term Tax-free lump sum payment when you pass away

Medical exams

When you apply for life insurance, we’ll ask you a few questions about your health history and lifestyle. If you answer no to all the questions, you may not need to complete a medical exam.

If you answer yes, you may be asked to provide more information, depending on the type of policy you've selected.

Critical Illness Insurance add-on

You can add Critical Illness Insurance to enhance your existing coverage.

If you experience a heart attack, stroke or another serious illness*, you may face new or unexpected out-of-pocket expenses. A Critical Illness add-on provides a lump sum payment that can help cover these expenses.

A Critical Illness add-on cannot be purchased alone. It can only be added to eligible Term Life policies.

*Covered critical illness include accidental loss of limbs, aortic surgery, aplastic anemia, bacterial meningitis, blindness, cancer (life-threatening), coma, coronary artery bypass surgery, heart attack, heart valve replacement or repair, kidney failure, major organ failure on waiting list, major organ transplant, paralysis due to an accident, severe burns, and stroke (cerebrovascular accident).

Frequently asked questions

Term Life Insurance provides flexible, temporary coverage for a certain number of years. This plan lets you choose how long you want coverage for.

Whole Life Insurance, also referred to as Permanent Life Insurance, provides lifetime coverage. This type of insurance does not expire and remains in effect as long as the premiums are paid. If you pass away, your beneficiaries will receive a tax-free lump sum payment equal to your coverage.

This is dependent on your answers to the medical and lifestyle questions. If you answer yes, you may be asked to provide more information after submission depending on the policy you've selected.

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 if you’re healthy and younger, it’s an investment you can make any time. The money you leave behind will help reduce the financial stress on your loved ones.

Along with these 2 plans, we also offer a selection of additional types of life insurance plan designs. Reach out to a personal life consultants at 1-800-873-2583 to learn about all of available options.

Need more information or have questions?

Call a personal life consultant at 1-800-873-2583 to learn about all of our distinct plans and what you may be eligible for.