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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, including as a result of COVID-19.
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5-Year Term Life

Simple, affordable protection if you want short-term life insurance.

Ideal for:

  • Couples
  • Young families
  • Homeowners
  • People aged 18-70

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Multi-Term Life

Affordable, long-term protection designed to meet your constantly changing needs and lifestyle. You can choose between 3 term options: 10-Year Term, 15-Year Term, 20-Year Term.

Ideal for:

  • Couples
  • Families
  • Homeowners
  • Self-employed workers
  • People aged 18-65 (10-Year Term), 18-60 (15-Year Term) or 18-55 (20-Year Term)

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Lifetime Protection

Affordable protection to help safeguard your loved ones even after your group life plan ends or when your term life insurance policy expires.

Ideal for:

  • Couples
  • Families with older children
  • Grandparents in good health
  • Homeowners
  • People aged 18-75

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Guaranteed Issue

The simple solution if you’re having trouble finding affordable life insurance because of your age or health. Your acceptance is guaranteed as long as you meet the eligibility criteria.

Ideal for:

  • People with health problems
  • People aged 40-75

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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 a Canadian resident aged 50 or under.

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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.*

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.**

Policy Summary
Optional Automatic Coverage Increases

With BCAA 5-Year Term Life Insurance, your initial coverage amount could automatically increase by 5% each year (for up to 10 years).***

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Critical Illness Benefit

With a BCAA Multi-Term Life Insurance policy, if you’re diagnosed with a life-threatening cancer, heart or stroke, this feature pays you a maximum of $15,000.

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 – no questions asked.

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.

         

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.

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Buying a Home

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

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Getting Married or Having a Child

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

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Health Issues

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

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Employer Coverage Ending or Nearing Retirement

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

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BCAA Blog

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

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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.
***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.