Blue Cross Life Insurance Review Canada [2024] | All the Facts

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In This Article

Key takeaways:

  • Blue Cross life insurance offers a range of coverage options, including term life, whole life, and universal life insurance.
  • Blue Cross's life insurance policies are customizable to fit individual needs and budgets, with a variety of riders available to provide additional protection.
  • Unique features offered by Blue Cross life insurance include child life insurance and accidental death coverage.

Our Blue Cross Life insurance review

To help you determine whether blue cross insurance is right for you, we reviewed their different products, prices, features and customer feedback.

Our rating for Blue Cross life insurance: ★★★★☆ (4/5)

Who is Blue Cross Life?

Blue Cross Life Insurance is a Canadian insurance company that has been providing Canadians with life insurance policies for over 70 years. They offer a range of coverage options, including term life, whole life, and universal life insurance.

Blue Cross's life insurance policies are customizable, which means that customers can choose the coverage amount, term length, and riders that fit their individual needs and budget. Blue Cross understands that every person's situation is unique, and their policies reflect that by offering options that can be tailored to each customer's specific needs.

In addition to its life insurance policies, Blue Cross also offers a range of health and wellness programs designed to help policyholders maintain optimal health and well-being. These programs may include access to virtual care, wellness coaching, mental health support, and more. By investing in the health of its policyholders, Blue Cross is committed to providing comprehensive insurance coverage that goes beyond just financial protection.

Blue Cross life insurance policies are available in most provinces and territories in Canada, making it an accessible option for many Canadians.

Blue Cross insurance: Quick facts

  • Headquarters in Etobicoke, Ont
  • A+ AM Rating/ A+ BBB Rating
  • Founded 1957
  • Employees: 400

Blue Cross life insurance rates for 2023

See how Blue Cross term life insurance prices stack up against the prices of products offered by other life insurance providers in Canada.

Blue Cross life insurance: pros and cons

Pros of Blue Cross life insurance

  • Customizable policies: Blue Cross life insurance policies can be tailored to fit individual needs and budgets, with a range of coverage options and riders available.
  • Health and wellness programs: Blue Cross offers a range of health and wellness programs to policyholders, which can help promote healthy living and prevent illness.
  • Reputation: Blue Cross has been serving Canadians for over 70 years and has a strong reputation for providing reliable insurance coverage.

Cons of Blue Cross life insurance

  • Limited availability: While Blue Cross life insurance is available in most provinces and territories in Canada, it may not be an option for everyone.
  • Cost: Blue Cross life insurance premiums may be higher than those offered by some other insurance companies.
  • Limited features: While Blue Cross offers unique features such as child life insurance and accidental death coverage, these may not be necessary or useful for all policyholders.

Blue Cross life insurance customer reviews

Positive Blue Cross life insurance review

"The agent answered all of our questions and was very versed in the levels and types of insurance we needed. Wish all customer service was this good! was this good!" - Customer on Google Reviews

Negative Blue Cross life insurance review

"My MIL died more than five months ago. She had a very small life insurance policy with Blue Cross. After numerous contacts by phone and email, we finally received demands for a range of paperwork, which we provided. " - Customer on InsurEye

Blue Cross Life Insurance products

1. Term Life Insurance

  • Coverage amount: Blue Cross's life insurance policies offer coverage amounts ranging from $25,000 to $5 million, depending on the type of policy.
  • Term lengths available: Blue Cross offers term life insurance with terms ranging from 10 to 40 years, whole life insurance, and universal life insurance.
  • Riders: Blue Cross offers a range of riders, including critical illness rider, accidental death and dismemberment rider, children's rider, and waiver of premium rider.
  • Exclusions: The specific exclusions depend on the type of policy and riders selected. Customers should carefully review their policy documents for details.
  • Renewable or convertible: Blue Cross's term life insurance policies are renewable and convertible, which means that policyholders can renew their policy at the end of the term or convert it to a permanent policy without needing to undergo a medical exam.
  • Uniqueness: Blue Cross offers unique features such as child life insurance, which provides coverage for a child's entire life, and accidental death coverage, which provides an additional benefit if the insured dies accidentally. Additionally, Blue Cross offers a range of health and wellness programs to its policyholders, which can help promote healthy living and prevent illness.

Bottom line:

The decision of whether or not BCAA life insurance is worth it depends on individual circumstances and needs.

For those who are looking for customizable life insurance policies with large coverage amounts, Blue Cross may be a good option. The lack of a medical exam requirement and availability of additional riders may also make it an attractive choice for some.

FAQ: Blue Cross Life insurance life insurance


What types of insurance does Blue Cross offer?

Blue Cross offers a range of insurance products, including life insurance, health insurance, dental insurance, travel insurance, and more.

Who is eligible for Blue Cross coverage?

Eligibility for Blue Cross coverage depends on the specific product. For example, life insurance policies may have age restrictions or health requirements, while travel insurance may not cover certain destinations or pre-existing conditions. It's important to review the policy details carefully to determine eligibility.

How do I file a claim with Blue Cross?

The process for filing a claim with Blue Cross depends on the type of insurance product. Generally, claims can be submitted online through the Blue Cross member portal, by email, or by phone. Instructions for filing a claim will be provided in the policy documents.

Does Blue Cross offer group insurance for businesses?

Yes, Blue Cross offers group insurance for businesses, including health, dental, and life insurance. Group insurance policies can be customized to fit the needs of the business and its employees.

How long has Blue Cross been in business?

Blue Cross has been providing insurance coverage to Canadians for over 70 years, with a focus on promoting health and wellness and providing reliable and affordable insurance options.

What is Blue Cross's customer service phone number?

The customer service phone number for Blue Cross varies depending on the specific product and location. Contact information can be found on the Blue Cross website or in the policy documents.

Who owns Blue Cross insurance?

Blue Cross Life Insurance is owned by the Canadian Association of Blue Cross Plans, a not-for-profit organization that operates as an alliance of independent Blue Cross member organizations across Canada. These member organizations work collaboratively to provide health and travel insurance products to individuals, families, and groups across the country.

The Canadian Association of Blue Cross Plans is not owned by any individual or company, but rather by its member organizations. The member organizations operate autonomously within their respective provinces or territories, but share the common goal of providing reliable, affordable insurance products and exceptional customer service to their policyholders.


Here are more reviews of Canadian life insurance companies:

Laura McKay

COO & Co-Founder
About the Author

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