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Life insurance takes care of your family’s financial needs when it matters most. Let us help you find the right plan with coverage that meets your needs.
When you have life insurance, you can feel secure knowing your family is protected should you pass away. If that happens, life insurance will provide your loved ones with a death benefit—a tax-free, lump sum payment. This can help take care of their financial needs and pay off debts.
This could include:
Have comfort knowing your loved ones are protected
Get a quote or talk to an agent to find out what kind of life insurance best suits your needs.
When it comes to choosing a plan, you have a few options to consider. Let’s take a closer look at the 2 types of life insurance we offer.
Term Life Insurance provides flexible, short-term coverage for a certain number of years. This plan 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.
Choosing a term length depends on the kinds of financial responsibilities you might have now and in the future. You’ll want to make sure the plan provides coverage for when your family will need the most financial support.
Whole Life Insurance (also known as permanent life insurance) provides lifetime coverage. It does not expire and remains in effect as long as the premiums are paid. At death, your beneficiaries will receive a tax-free lump sum payment equal to your coverage.
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.
A rider is insurance that you can add to enhance your existing plan. It provides additional financial protection against the unexpected.
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.
Your Blue Cross Life policy comes with special advantages. Members Save More: Save with Blue Advantage.® Blue Cross members can save on medical care, vision care and many other products and services offered by participating providers across Canada, including online. No receipts to submit – save right away when you purchase at a pharmacy or other health provider.
Simply present your Blue Cross identification card to the 100+ participating providers and mention the program before your purchase transaction. Visit Website
Maximum coverage amount for Term Life Insurance.
Coverage options for people over the age of 60.
Changes to your premiums for Whole Life and the initial duration of Term Life.
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.
Whole Life Insurance premiums are usually higher than Term Life Insurance. While you may pay more, you receive lifetime coverage and your premiums do not change for the duration of your coverage.
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 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 into 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.
Canadians between 18 and 85 years old can get a quote and buy online.
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.
In the past 12 months, have you used any substance or product containing tobacco, nicotine, or marijuana mixed with nicotine, or e-cigarettes? *
Have you been hospitalized or received treatment due to a serious illness or injury? * Answer “No” if you have only had emergency room visits, routine check-ups, simple day surgeries, or if your medical interventions did not involve hospital stays or treatment for serious conditions. This detail helps us tailor your insurance plan to your specific health needs.
You don’t have you provide this information now, but if you do it will be easier to retrieve your quote and serve you better.
In the context of this Blue Cross Life® insurance quote, underwritten by Assumption Life, we must collect, use, keep and disclose personal information that you communicate to us, in particular for the following purposes:
By clicking Accept and continue, you consent to the collection, use, retention and disclosure of your personal information and that of your dependents, if any, in accordance with applicable privacy laws and our Privacy Policy, which you can review prior to giving your consent. You can refuse to consent by clicking Decline and exit or withdraw your consent at any time. However, you understand that we will then be unable to proceed with this submission or provide you with the requested insurance coverage.
Use our optional coverage calculator for a recommendation.This is for informational purposes only.
Residents of Quebec must complete a mandatory coverage calculator to proceed. The Coverage Calculator / Needs Analysis is an essential process that the client must complete and review with a financial advisor 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 your quote?
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Choosing life insurance can sometimes feel overwhelming and complicated!
Our agents can help answer any questions and help you choose the right solutions for your needs.