Blue Cross Life Insurance

A family of four stands in front of their home. Dad has a toddler on his shoulders and mom holds a baby in her arms.

Non medical, term life and whole life solutions

In the event of the unthinkable, make sure financial security isn't a worry for your family.
As brokers, we work with all major insurers. You'll get a personalized plan that meets your needs and budget.

Life insurance tailored to you—because one size doesn’t fit all

When it comes to protecting what matters most—your family, your business, your future—there’s no such thing as “one-size-fits-all”. At MacLellan Moffatt we understand that your needs are unique, and your life insurance plan should be too.

Whether you’re starting a family, building your wealth, or preparing to leave a legacy, we’re here to help you navigate your options with clarity and confidence.

How an independent life insurance broker helps

As independent, licensed life insurance brokers and advisors in Canada, our role is to represent your best interests—not any one insurance company. We work with multiple leading Canadian insurers. This enables us to give you a range of flexible, competitive options tailored to your specific goals. Here’s how we can help:

Understand your needs: We start by listening. We take the time to understand your life stage, goals, budget, and concerns—so we can design a strategy that truly fits.
Explore your options: From term life insurance to whole life, universal life, or business-owned policies. We break down the pros and cons in simple language. You’ll know exactly what you’re getting.
Design a personalized solution: We don’t just “sell policies”—we help build plans. Do you want to cover your mortgage, protect your business, or create tax-advantaged wealth? Together we craft a plan that aligns with your needs today and tomorrow.
Compare multiple insurers: We shop the market for you. As brokers, we can access multiple top-rated Canadian insurance companies. This gives you choice and flexibility—often at better rates than going direct.
Review and support over time: Your life evolves—and so should your insurance. We offer regular reviews and are here when life changes: new job, growing family, business expansion, or retirement planning.

Life insurance, your way.

Life insurance options

Some people want simple, affordable protection. Others are looking for long-term investment features or estate planning tools. Take a look at these options, consider your current and future needs. Then our job is to meet you where you are.

Non-medical life insurance

This type of policy skips the traditional medical exam and lengthy health questionnaires. It’s ideal for those who may have health concerns, are short on time, or simply prefer a hassle-free application process. Premiums may be slightly higher and coverage limits lower. However, non-medical life insurance provides fast, reliable protection without the red tape.

Medically underwritten life insurance

This option involves a more detailed health assessment, including a medical exam and questions about your history. The benefit? If you’re in good health, you could qualify for lower premiums and higher coverage amounts. It takes more time to set up but can offer better value over the long term.

Which is right for you? That depends on your health, lifestyle, and how quickly you need coverage. We’ll help guide you to the option that works best for your unique circumstances.

Term life insurance vs. permanent life insurance

Term life insurance offers protection for a set period—usually 10, 20, or 30 years. It’s often the most affordable option. It works well for temporary needs like covering a mortgage, protecting young children, or replacing income during your working years.

Permanent life insurance offers lifetime coverage and may include a cash value component that grows over time. It’s ideal for long-term planning, estate preservation, or building tax-advantaged wealth inside your policy.

Let us guide you

Just like no two lives are the same, no two insurance needs are either. Whether you’re planning for tomorrow or protecting today, we’ll help you choose a solution that matches your life, not just your policy number.

Not sure which life insurance product is right for you? We'll shop the market for you and provide a personalized quote.