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Life Insurance

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

Are you prepared for the unexpected? With BCAA Life Insurance, feel comforted knowing your loved ones will have the financial support they need should you pass away unexpectedly. In partnership with Manulife, BCAA has a life insurance plan that’s right for you.

Easy to Apply Life Insurance

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With BCAA 5-Year Term Life Insurance, you can quickly and easily obtain $50,000 or $100,000 of coverage. There are no medical exams or long health questionnaires when you apply. You simply need to answer three questions and be aged 50 or under.

Get A Quote

Key Features

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Lump-Sum Payment

Should you pass away unexpectedly, your beneficiaries would receive a tax-free, lump-sum payment to help clear debts, pay off the mortgage, replace lost income and more.

Satisfaction Guaranteed
Attractive Alternative to Mortgage Life Insurance

BCAA Term Life Insurance helps to pay off your mortgage should you pass away and is an attractive alternative to mortgage life insurance. It provides more flexibility, lower premiums and more control.

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Living Benefit Cash Advance

Receive a cash advance of up to 50% (max. $100,000) of your coverage if you are diagnosed as terminally ill with 12 months or less to live.1

Resources for Educators
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.

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 Amounts

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

Terms Available

Rates are locked in for the length of your term.

5-year term 10, 15 & 20-year term Rate locked in forever Rate locked in forever and free after age 95

Guaranteed Renewable

Up to age 75  Up to age 75   For life    For life

Convertible to Lifetime Protection Plan or 20-Year Term Plan

 Before age 56  Before age 71      

Volume Discount

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


BCAA Member Exclusive Benefit

Your coverage will increase by 2% every year - at no extra cost to you (for up to 5 years).


Simplified Application

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


Optional Automatic Increase Benefit

Your coverage could increase by 5% every year (for up to 10 years) if you choose the optional Automatic Increase Benefit**.


Critical Illness Benefit Included

Up to a max. of $15,000.


Accidental Death Benefit

Increase your coverage by 5x if you die accidentally before age 85.


* The insurer cannot guarantee the availability of this benefit indefinitely.
** 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.

Why do you need life insurance?

Single, Recently Married or Buying a Home

Help protect your loved ones' financial security.

Married, Young Family or Own a Home

Help safeguard your growing family and financial obligations.

Established, Kids in School or Mortgage

Help protect your family's lifestyle and dreams for your children.

Nearing Retirement or Retiree

Help secure your assets, retirement savings and legacy.

Similar Products

With BCAA Health & Dental Insurance, get affordable coverage for things like eye exams, prescriptions, physiotherapy and much more.

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Fill in the gaps not covered by MSP starting from $1 a day.

Learn More

Life Insurance is sold through BCAA Insurance Agency Ltd., a licensed insurance agent, and underwritten by the Manufacturers Life Insurance Company (Manulife).

*Conditions and limitations apply.
** 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.