CAA Critical Illness Plan: Check the Low Rates

The CAA Critical Illness Plan
offers you the affordable rates you've been looking for.

Choose CAA Critical Illness coverage, for you and your spouse, of up to $250,000 per person in increments of $25,000. This table shows the monthly rates for each $25,000 of coverage. Find the rate that applies to you, depending on your age, gender and smoking status. To determine your monthly premiums, multiply that rate by the number of $25,000 increments which add up to the coverage you need. The annual premium is 12 times the monthly premium.

Save 10% on coverage of $125,000 or more. If you choose $125,000 or more per person of Member or Spouse CAA Critical Illness coverage, reduce the premiums below by 10%.

Add Optional Premium Refund for just 25% more. Choose this option and, if no claim has been made when coverage ends at age 70, you can collect:

100% of your premium if your coverage began between the ages of 18 and 50;
75% of your premium if your coverage began between the ages of 51 and 55;
50% of your premium if your coverage began between the ages of 56 and 60.

To add Optional Premium Refund to your coverage, add 25% to the premiums below. (To be eligible for Optional Premium Refund, you must apply between the ages of 18 and 60.)

If you prefer, we can calculate the cost for you. To determine if you may be eligible for coverage, click here. For an outline of the limitations, exclusions and other important details of this coverage, read this. For your convenience, you can apply online. If you prefer, you can download a printer-ready application form that you can mail in.

MONTHLY PREMIUMS PER $25,000 OF COVERAGE

Non-Smoker¹
Smoker

Age²
Male
Female
Male
Female

18 to 25
6.71
6.49
7.43
7.49

26
6.88
6.68
7.73
7.79

27
7.06
6.88
8.04
8.11

28
7.24
7.09
8.36
8.44

29
7.43
7.31
8.69
8.79

30
7.62
7.53
9.04
9.15

31
7.86
7.81
9.55
9.54

32
8.10
8.11
10.09
9.95

33
8.36
8.41
10.66
10.38

34
8.62
8.73
11.26
10.82

35
8.89
9.06
11.90
11.28

36
9.10
9.41
12.45
11.95

37
9.32
9.77
13.02
12.65

38
9.54
10.15
13.63
13.39

39
9.77
10.54
14.26
14.18

40
10.00
10.94
14.92
15.01

41
10.73
11.64
16.47
16.37

42
11.51
12.38
18.18
17.86

43
12.34
13.17
20.06
19.49

44
13.23
14.02
22.15
21.26

45
14.19
14.91
24.45
23.19

46
15.37
15.55
27.16
24.97

47
16.65
16.23
30.17
26.89

48
18.03
16.93
33.51
28.95

49
19.53
17.66
37.23
31.17

50
21.15
18.42
41.35
33.56

51
23.23
19.50
46.29
36.34

52
25.51
20.65
51.81
39.35

53
28.01
21.86
57.99
42.62

54
30.76
23.14
64.91
46.15

55
33.77
24.50
72.65
49.97

56
36.64
25.95
78.69
53.16

57
39.75
27.49
85.23
56.55

58
43.13
29.11
92.32
60.16

59
46.79
30.83
99.99
64.00

60
50.77
32.65
108.30
68.08

61
53.04
34.77
116.63
71.11

62
55.42
37.02
125.59
74.28

63
57.90
39.42
135.24
77.59

64
60.49
41.97
145.63
81.05

65
63.20
44.69
156.82
84.66

66³
68.57
47.33
167.77
89.67

67 to 69³
73.94
49.96
178.71
94.67

1 To qualify as a Non-Smoker, you must have not smoked cigarettes within the past 12 months and you must meet Manulife Financial's health standards.
2 Age means the age of the applicant (member or spouse) as of their last birthday. Note that premiums will increase with age after coverage is in force.
3 Individuals over age 65 are not eligible to apply for coverage. These rates apply only for those persons with existing coverage. Coverage ends at age 70.

Rates shown here are subject to change without notice. However, once coverage has been issued, rates for that coverage are guaranteed not to change except at five-year intervals.

CAA Term Life, Child Term Life, Guaranteed Issue and Critical Illness Insurance are underwritten by The Manufacturers Life Insurance Company.

Manulife Financial and the block design are registered service marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Financial Corporation.

Available to Canadian residents only.