Get an affordable term life insurance quote online today
Ready to see what term life insurance could cost? Get a free personalized quote online in 30 seconds.
Blue Cross Life offers coverage from $100,000 to $5 million, with flexible term lengths from 10 to 30 years. Many eligible applicants are approved right away, and about half don't require any medical follow-ups.
There’s no obligation to apply, so you can explore your options with confidence.
Why Canadians choose Blue Cross Life
Coverage that fits your budget
Choose coverage amounts from $100,000 to $5 million and term lengths from 10 to 30 years. Whether you're protecting your family’s income or preparing for future financial responsibilities, you can customize your protection to suit your needs.
Simple online experience
Get a personalized quote in as little as 30 seconds and complete your application online in about 20 minutes, with no in-person meetings required. Many eligible applicants are approved right away, and about half don't require any medical follow-ups.
Support when you need it
Have questions before you apply? Our knowledgeable, licensed advisors are available to help you compare coverage options, understand eligibility requirements, and choose a policy that best fits your situation and budget.
Compare term life insurance quotes in Canada
Average monthly rates for $500,000 in coverage over a 20-year term
Industry Average Premiums
Blue Cross Life Premiums
Female
Female
Age
$51
$82
$33
$23
$21
$22
$25
$32
$35
$54
$88
$74
$128
$47
$31
30
35
40
45
50
$71
$122
$44
$31
$29
Male
Male
Average rates for term life insurance in Canada
The cost of term life insurance can be surprisingly affordable. Select a coverage amount below to see estimated Blue Cross Life monthly premiums for a 20-year term.
The examples above provide a general pricing reference for eligible non-smokers. Looking for additional examples? Explore our full guide to term life insurance rates by age.
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What determines your life insurance rate?
Life insurance quotes are personalized based on several factors. That's why two people applying for the same coverage amount may receive different rates.
Age: Premiums are generally lower when you're younger.
Coverage amount: Higher coverage amounts typically result in higher premiums.
Term length: Longer terms generally cost more than shorter terms.
Smoking status: Tobacco use can significantly impact rates.
Health history: Existing medical conditions may affect eligibility or pricing.
Sex at birth: Insurers may consider sex at birth when determining rates, based in part on differences in average life expectancy.
The best way to find out your exact rate is to get a free personalized quote.
Benefits of term life insurance with Blue Cross Life
Locked-in value
Competitive rates that stay the same throughout your term, plus a 10% first-year discount for couples who apply together.
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Family-focused protection
Every policy includes $10,000 in free life insurance for each dependent child, including future additions to your family.
A name Canadians trust
Protecting your loved ones starts with choosing a provider you can count on. More than 8 million Canadians depend on the Blue Cross name.
How to get term life insurance online
Getting term life insurance online only takes a few simple steps. If you have questions along the way, our licensed advisors are available to provide guidance by phone or email.
Step 1: Get a free, personalized estimate in 30 seconds
Answer a few quick questions about your age, coverage amount, term length, and smoking status. You don't need a credit card or medical records to get a free, no-obligation quote.
Step 2: Apply online in under 20 minutes
If you decide to move forward, you’ll answer questions about your health, lifestyle, and coverage needs. Many eligible applicants are approved right away, and about half don't require any medical follow-ups.
Step 3: Finalize your policy when you’re ready
Once approved, you can review your policy details and make your first payment online to activate coverage. Some applicants may qualify for same-day protection.
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Ready to get started? Get your free, personalized quote with just a few clicks.
Advisor support, when you need it
Get tailored advice
You don't need to speak with an advisor to get an online quote or apply for coverage. But if you'd like some guidance, we’re here to help.
Our team of licensed advisors can offer guidance specific to your situation at no cost. Their role is to help you make an informed decision, not pressure you into buying more coverage than you need.
Call us at +1 (866) 316-4458 (Monday–Friday, 9 AM–5 PM ET) or send us an email anytime.
Our advisors can help with:
Determining how much coverage may fit your needs and budget
Comparing term lengths and coverage options
Understanding medical exams or eligibility
Answering questions about your application
Reviewing your options after a major life change
FAQs: Get a Term Life Insurance Quote
Can’t find the answers you're looking for? Give us a call at +1 (866) 316-4458 (Monday–Friday, 9 AM–5 PM ET) or email us at service@life.bluecross.ca.
If you pass away while your policy is active, your beneficiaries receive a tax-free, lump-sum payment that can be used as they see fit. Many people use the benefit to help protect their family's financial future and cover expenses such as mortgage payments, household bills, childcare and education costs, or outstanding debts.
Yes, for many Canadians, the cost of term life insurance is worthwhile. It’s an affordable way to provide a financial safety net during the years when financial responsibilities are highest. Because you can tailor your coverage amount and term length, it’s often possible to find protection that fits comfortably within your budget.
Not always. Most eligible applicants with Blue Cross Life do not need a medical exam, although this can depend on factors such as age, health and coverage amount.
If additional information is needed, medical follow-up may be requested during the application process. Our advisors will guide you through each step, and you won’t need to find your own doctor or clinic.
Learn more about how no-medical exam life insurance works.
Term life insurance in Canada can cost as little as $15 per month. Your premium will depend on factors such as your age, health, smoking status, coverage amount and term length. Getting a personalized quote is the best way to find out how much term life insurance will cost for you.
No. Once your policy is approved, your premiums stay the same throughout your selected term, even if your health changes in the future. That's one of the key benefits of term life insurance. Applying while you're younger and in good health can help you lock in lower rates for the length of your term.
How much life insurance coverage you need depends on your individual financial situation. A common starting point is coverage equal to 7 to 10 times your annual income, but the right amount for you may depend on factors like:
- Number of dependents
- Daily living expenses
- Your mortgage or rent payments
- Future costs, like education or final expenses
- Existing savings or coverage
For a more personalized estimate, explore the Financial Consumer Agency of Canada’s guide to life insurance needs.
Your term length should reflect how long your financial responsibilities are expected to last. Many people choose a term that aligns with a mortgage, their children’s dependent years, or the time remaining until retirement.
Common term lengths include 10, 20, and 30 years. Learn how to choose the right term length for your situation.
To apply for term life insurance with Blue Cross Life, you must be a Canadian citizen or a resident of Canada. You must also be physically located in Canada when you sign your policy contract. Eligibility requirements may vary depending on your situation and the province where you live.
® Registered trademark of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross Plans and Licensees. Used under license by Blue Cross Life Insurance Company of Canada, an independent licensee of the Canadian Association of Blue Cross Plans.
Individual Term Life and Critical Illness Insurance products are underwritten by Blue Cross Life and distributed by .
Voluntary Benefits are underwritten by Blue Cross Life.