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Income Protection disability insurance
low group rates for REALTORS® only
MEMBERS
GROUP INCOME PROTECTION
DISABILITY INSURANCE
To apply, click here.
Thanks to the exclusive low rates of the REALTORS® Income Protection Plan, endorsed by the Canadian Real Estate Association (CREA), REALTORS® can safeguard their earning power with monthly benefits of up to 50% of their earned income, if disabled due to an accident or illness. To see the benefit you can be eligible to receive, and get a no-obligation quote on the cost, click here.
Save more if you choose to have benefits paid for up to five years. If you choose Plan B, for a maximum benefit period of five years, you pay rates that are up to 29% less than if you choose Plan A.
Save even more if you choose a longer waiting period. If you choose to have benefits begin after 90 days or 120 days of disability, you pay rates that are up to 41% less than if your benefits are to begin after 60 days.
PLAN A
Monthly Premiums
Per $100 Unit of Monthly Benefit |
Maximum coverage is 50 units ($5,000 a month).
Minimum coverage is 5 units ($500 a month).
To determine your payment, find the rate below that corresponds to your age and chosen Waiting Period, then multiply it by the number of $100 units of monthly benefit you are eligible for. |
 | Waiting Period |
Age 1 | 60 Days | 90 Days | 120 Days |
Under 30 | $2.80 | $2.10 | $1.90 |
30 to 34 | $3.80 | $2.90 | $2.70 |
35 to 39 | $4.80 | $3.60 | $3.40 |
40 to 44 | $6.00 | $4.40 | $3.90 |
45 to 49 | $7.40 | $5.80 | $5.20 |
50 to 54 | $8.50 | $7.00 | $6.40 |
55 to 59 | $10.50 | $9.00 | $8.20 |
60 to 64 | $12.10 | $10.60 | $9.90 |
65 to 69 | $13.70 | $12.10 | $11.10 |
70 | Coverage Ends |
PLAN B
Monthly Premiums
Per $100 Unit of Monthly Benefit |
Maximum coverage is 50 units ($5,000 a month).
Minimum coverage is 5 units ($500 a month).
To determine your payment, find the rate below that corresponds to your age and chosen Waiting Period, then multiply it by the number of $100 units of monthly benefit you are eligible for. |
| Waiting Period |
Age 1 | 60 Days | 90 Days | 120 Days |
Under 30 | $2.40 | $1.60 | $1.40 |
30 to 34 | $3.30 | $2.30 | $2.10 |
35 to 39 | $4.10 | $2.80 | $2.40 |
40 to 44 | $5.10 | $3.50 | $3.30 |
45 to 49 | $6.30 | $4.60 | $4.10 |
50 to 54 | $7.50 | $5.70 | $5.10 |
55 to 59 | $9.10 | $7.40 | $6.80 |
60 to 64 | $11.00 | $9.60 | $8.50 |
65 | Coverage Ends |
Optional
Cost of Living Adjustment (COLA)
Additional Monthly Premium
Per $100 Unit of Monthly Benefit |
Age 1 | |
Under 45 | $0.45 |
45 and up | $0.85 |
1 Age means the age attained by the applicant as of the Policy Anniversary Date (July 1 of each year). Note that premiums increase with age.
NOTE: Rates are subject to change without notice.
If you prefer, you can download a printer-ready application here.
If you have any questions about the CREA Income Protection Plan, or need help with your application, please call Manulife Financial toll-free at 1 800 668-0195 from 8:30 a.m. to 8:00 p.m. ET, or e-mail am_service@manulife.com anytime. You can also send your request through the Web by clicking here.
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