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Life Insurance

An easy and affordable way to help protect your loved ones.

Are you prepared for the unexpected? In partnership with Manulife, BCAA Life Insurance provides the comfort of knowing your loved ones will have the financial support they need should you pass away unexpectedly. Whether you’re getting married, growing your family or purchasing a home, BCAA offers a wide variety of plans to fit your needs.

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.

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Multi-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.

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Lifetime 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.

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Guaranteed 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.

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When 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.

Buying a Home

Protect your most valuable investment should you pass away unexpectedly. Consider BCAA 20-Year Term Life Insurance.

Getting Married or Having a Child

Safeguard your growing family and financial obligations. Consider BCAA 20-Year Term Life Insurance.

Health Issues

Looking for an extra measure of security? Consider BCAA Guaranteed Issue Life Insurance.

Employer Coverage Ending or Nearing Retirement

Secure your assets you worked so hard to build. Consider BCAA 5-Year Term Life Insurance.

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

Coverage Amount

$50,000 to $500,000 $50,000 to $1 million $50,000 to $500,000  $5,000 to $25,000


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 Benefit

Your coverage will increase by 2% every year - at no extra cost to you. Learn more.


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 Advance

Receive 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*.

Health Service Navigator

Get 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**.

Additional Volume Savings

Discount is dependent on the coverage amounts you buy. Learn more.


Simplified Application

Makes applying for coverage of $50,000 or $100,000 fast and easy if you are age 50 and under.


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***.


Critical Illness Benefit

Up to a max. of $15,000.


Accidental Death Benefit

Receive an additional 4x your coverage amount if you die accidentally before age 85.


How to Apply for Life Insurance

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Identify your coverage needs

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Get an estimated price

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Apply for coverage

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BCAA will contact you to finalize your policy

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Get a 30-day money back guarantee


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Why Choose BCAA Life Insurance?

BC Based
BC Based

We know BC. Using our local knowledge and 40 years of experience as a province-wide insurer, we understand the unique needs of British Columbians.

Trusted Experts
Expert Advisors

Our expert advisors take the time to get to know you better. We work with you to understand your insurance needs and then recommend the best, customized coverage.

Ways To Save
Valuable Ways to Save

Save 10% when you bundle BCAA Life Insurance with BCAA Optional Car Insurance or BCAA Home Insurance. Plus, BCAA Members get access to exclusive benefits.

Insurance History
30-Day Guarantee

If you’re not completely satisfied, simply call a BCAA Life Insurance Advisor within 30 days to cancel your policy and get a refund, less any claims paid – no questions asked.

Award Winning
BC’s Most Trusted Insurance Brand

British Columbians consistently rank BCAA as BC’s Most Trusted Insurance brand as ranked by the Gustavson Brand Trust Index.

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Life 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.