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Express Plan: Guaranteed Issue Life Insurance

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Blue Cross’s Guaranteed Issue Life Insurance with Express Features

An old saying states that death and taxes are life’s only guarantees. But that’s not always the case. There are some instances where other guarantees come into play, such as with life insurance policies.

Usually, when you apply for life insurance coverage, the provider will only approve you if you pass a medical exam or complete a questionnaire that chronicles your medical history. This not only complicates the process, but it may make it undesirable and even discouraging for some to apply for life insurance coverage.

But there is a solution. Blue Cross’s Express Plan offers guaranteed life insurance coverage with minimal registration requirements. There is no medical exam or questionnaire required for this policy, and best of all, the benefits you receive are designed to assist your dependents with final expense costs.

What are the benefits of the Blue Cross guaranteed issue plan?

Blue Cross’s Express Plan is a great choice for those who are concerned about their current state health and any potential issues their condition may cause in the future. The policy also ensures that your dependents will have the funds in place to manage your final expenses when you pass away.

The plan allows you to select up to $20,000 worth of insurance. The amount of coverage you receive varies based on your age, as shown in the table below.

  • 40 to 64 years old – Coverage range from $2,000 to $20,000
  • 65 to 70 years old – Coverage range from $2,000 to $6,000
  • 71 to 79 years old -Up to $2,000 coverage

What are the eligibility requirements for the Blue Cross Express Plan?

In order to be eligible for the benefits of the Blue Cross guaranteed issue plan, you must:

  • Not be disabled in any way
  • Not have been diagnosed with breast cancer
  • Not be hospitalized or waiting to be hospitalized
  • Not have or have been diagnosed with pre-AIDS or AIDS
  • Complete the Declarations section of the application form
  • Be a beneficiary according to your province’s legislation for health and hospital insurance
  • Not have been diagnosed or treated for any other form of cancer within the past five years

What are the limitations of Express Plan Guaranteed Issue Life Insurance?

The Blue Cross guaranteed issue plan has a number of limitations based on certain situations:

  • Reimbursement of premiums for death benefits will only apply if the death occurs within the first six months after the signing of the insurance contract
  • If the insured individual succumbs to heart disease between the 12th and 24th month of coverage or reinstatement of coverage, the amount insured is restricted to 50% of the pre-determined amount of insurance (no less than $2,000)
  • If the insured individual commits or attempts to commit suicide within the first 24 months after the effective date of the coverage benefit, the coverage will become null and void. This applies whether or not the insured individual is in a sound state of mind at the time he or she commits suicide

Where can I get the Blue Cross Express Plan?

Like their other offerings, the Blue Cross Guaranteed Issue Life plan is available through most insurance brokers. It’s also important to consider your options before you decide on which insurance policy to purchase. Comparing insurance quotes will allow you to take a closer look at premiums, rates and benefits en route to a final purchase decision.

Other Blue Cross Products

Get more details on Blue Cross’s other insurance products by visiting the links below.

  • Tangible Plan: Critical Illness Insurance for Children

    Protect your children with Blue Cross Tangible Plan: Critical Illness insurance for Children. A unique plan specifically designed for them with a lump sum benefit plus lots of added features. This plan offers coverage up to $1 million with additional options for Automatic Benefit Increase and Refund of Premium.

  • Tangible Plan: Basic Critical Illness Insurance

    Protect yourself and your family with Blue Cross Tangible Plan: Critical Illness insurance. It's a basic critical illness plan designed to cover today’s major critical illnesses. This plan offers coverage of up to $2 million for 5 critical illnesses as well as a return of premium option.

  • Express Plan: Guaranteed Issue Life Insurance

    Protect yourself and your family with Express Plan: Guaranteed Issue Life Insurance. It's a life insurance coverage with NO QUESTIONNAIRE or MEDICAL EXAM that will assist your dependents with final expense costs. You can select an amount of coverage up to $20,000 depending on your age at application.

  • Blue Vision Plan: Comprehensive Disability Insurance

    Get protected with Blue Vision Plan: Comprehensive Disability Insurance. It's a comprehensive disability plan designed for employed Canadians (self-employed, an employee of a business that does not offer group insurance, or a business owner). This plan offers coverage of up to $10,000 of disability insurance per month with flexible waiting and benefit periods.

  • Blue Cross Travel Insurance for Snowbirds

    Why do snowbirds choose Blue Cross? The Blue Cross Travel Insurance plan for Snowbirds is designed for Canadians who head to warmer climates each year. This plan offer optional deductibles on emergency medical care costs. Where possible, Blue Cross arrange payment directly with the hospital with 24/7 travel assistance for any emergency, anywhere you travel.

  • Blue Cross Travel Insurance for Visitors to Canada

    Welcome to Canada! Travel to Canada with peace of mind with Blue Cross Travel Insurance for Visitors to Canada. It's a travel insurance plan designed for visitors to Canada that offers emergency medical care fees and is also available for individuals who are visiting Canada on a super visa.

  • Blue Cross Travel Insurance for Families

    Complete travel protection for your family with Blue Cross Travel Insurance for Families. It's a travel plan designed for Canadian families that love to travel together. This plan offer a wide range of travel insurance options to meet your family’s specific needs with $5,000,000 emergency medical care per trip and up to up to $2,000 emergency dental treatment as a result of an accident and many more.

Additional resources

Read more about health insurance from these informative articles to help you decide in choosing the right coverage for you.


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