Always Covered · Ontario homeowners
Protect your home.
Not your bank.
Life insurance you own, for the people inside. Advice that’s on your side.
No pressure. Nothing is bought until you say so.
Room for today. Ready for tomorrow.
- Ontario life insurance · personal guidance
- Compare Canadian insurers · clear choices
- Underwritten up front · not after a claim
Your protection, made personal
Where does your story start?
Step 1 of 3
I'm thinking about…
The difference that matters
Same mortgage.
Different protection.
The bank protects its balance. Your policy protects your family — even as the mortgage shrinks.
See the differenceBuilt around you
Your own policy
- The payout
- Goes to your people
- The coverage
- Stays level
- Your next move
- Comes with you
Built around a loan
Bank coverage
- The payout
- Goes to the lender
- The coverage
- Shrinks with your balance
- Your next move
- Usually ends
Life moves. Your coverage moves with it.
New keys.
Same peace of mind.
Renew, refinance or move. Your policy stays yours — and your family stays the beneficiary.
Make room for what’s nextYour protection. Our focus.
A company in your corner.
Clear comparisons. Honest guidance. We help you understand your options — including when bank coverage makes sense.
BCA Insurance Brokers Ltd.
Life insurance for Ontario homeowners · Always Covered
The learning room
A little knowledge. Better decisions.
- 01 / The essentialsWhat the bank's mortgage insurance actually isThe coverage offered at closing is optional creditor group insurance.Read the story
- 02 / The essentialsHow term life insurance prices are set in CanadaAge, sex, health, nicotine, amount and term do almost all the work in a life insurance price.Read the story
- 03 / The essentialsHow much coverage a mortgage really needsThe mortgage balance is where the sizing conversation starts, not where it ends.Read the story
Isn't this the same as the bank's mortgage insurance?
No. Bank coverage is a group policy the lender owns: it pays the bank, shrinks as you pay down, and is usually checked for health only after a claim. Your own policy is approved before you need it, stays level, and pays your family.
What does it cost?
Most people guess far higher than their real price. A healthy 35-year-old non-smoker often pays under $50 a month for $500,000 of 20-year term coverage. Your price depends on age, health and coverage, and is an estimate until the insurer reviews your application.
Do I have to do a medical?
It depends on the insurer, your age and the amount. Many policies need only a phone interview; some need a nurse visit. Our advisors will tell you before you apply.
What if I switch lenders or sell the house?
Your policy comes with you. Bank coverage usually ends when the mortgage does.
Who is BCA?
BCA Insurance Brokers Ltd. is the Ontario brokerage behind Always Covered. We compare Canadian insurers, help you choose coverage and guide your application, and the person who calls you is a licensed advisor, not a call centre. Our licensed advisor is Amalan Mahendran, licence 11120499.
A little clarity.
A lot of calm.
Know your options. Protect what makes your house a home.