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5-Year Term Life
A simple, affordable way to help protect your loved ones. Ideal if you want short-term life insurance. If you're under age 50, you may be able to quickly obtain up to $100,000 of coverage if you can answer 'no' to three questions about your health.
Learn MoreMulti-Term Life
Affordable protection designed to meet your changing needs and lifestyle. Choose between 10-year, 15-year or 20-year term lengths. Ideal for married couples, young families or homeowners.
Learn MoreLifetime Protection
Affordable, lifetime protection with no expiring term lengths or rate increases. Also, ideal if you want supplemental coverage apart from your employer group plan.
Learn MoreGuaranteed Issue
A guaranteed way for you to leave your loved ones with an extra measure of security. Ideal if your medical history or age is making it difficult to obtain life insurance.
Learn MoreWhen to Consider Life Insurance?
Finding the right life insurance depends on your unique situation. Whatever stage you’re at, BCAA has a life insurance plan that’s right for you.
Life Insurance Plans
Choose a plan that fits your life. No matter your lifestyle or status, we have flexible plan options to suit your needs.
5-Year Term Life |
Multi-Term Life |
Lifetime Protection |
Guaranteed Issue |
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Coverage Amount |
$50,000 to $500,000 | $50,000 to $1 million | $50,000 to $500,000 | $5,000 to $25,000 |
Eligibility |
Age 18-70 Must be a Canadian resident |
Age 18-55 for 20-Year Term Age 18-60 for 15-Year Term Age 18-65 for 10-Year Term Must be a Canadian resident |
Age 18-75 Must be a Canadian resident |
Age 40-75 Must be a Canadian resident |
BCAA Member Exclusive BenefitYour coverage will increase by 2% every year - at no extra cost to you. Learn more. |
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How long will my insurance last? |
5 years | 10, 15 or 20 years | For life | For life |
How long are my rates locked in? |
5 years | 10, 15 or 20 years | For life | For life and free after age 95 |
How long can I renew my insurance? |
Up to age 75 | Up to age 75 | For life | For life |
Can I convert my plan to a Lifetime Protection or a 20-Year Term Life plan? |
Before age 56 | Before age 71 | ||
Living Benefit Cash AdvanceReceive a cash advance of up to 50% of your coverage if you are diagnosed with a terminal illness with 12 months or less to live*. |
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Health Service NavigatorGet access to Manulife’s online and on-call Health Service Navigator to help you make informed health care decisions for you and your loved ones**. |
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Additional Volume SavingsDiscount is dependent on the coverage amounts you buy. Learn more. |
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Simplified ApplicationMakes applying for coverage of $50,000 or $100,000 fast and easy if you are age 50 and under. |
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Automatic Coverage Increase Benefit (Optional)Your coverage could increase by 5% every year (for up to 10 years) if you choose the optional Automatic Increase Benefit***. |
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Critical Illness BenefitUp to a max. of $15,000. |
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Accidental Death BenefitReceive an additional 4x your coverage amount if you die accidentally before age 85. |
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How to Apply for Life Insurance
Identify your coverage needs
Get an estimated price
Apply for coverage
BCAA will contact you to finalize your policy
Get a 30-day money back guarantee
Why Choose BCAA Life Insurance?
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READ MORELife Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent, and underwritten by the Manufacturers Life Insurance Company (Manulife Financial).
*Policy must be in-force for 2 years. The Living Benefit is subject to the written consent of irrevocable beneficiaries or assignees and at time of death, the balance of the face amount is paid to the assigned beneficiary.**Health Service Navigator is offered through The Manufacturers Life Insurance Company (Manulife). WorldCare and the WorldCare Consortium are trademarks of WorldCare Limited, used under license.
***The 5% Automatic Increase Benefit is optional, and no medical questions are required at time of increase to obtain it. By selecting this option when you sign up for BCAA Term 5 Life Insurance, your initial coverage amount will increase by 5% every year. This allows your coverage amount to keep pace with increases in the cost of living. Please note that premiums are adjusted accordingly. The increase applies for a maximum period of 10 years or until your 56th birthday or the date the total Amount of Insurance in force has increased by 50% or when you ask to stop it, whichever occurs sooner.