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Protection Cost Calculators

From here you can investigate the costs of different plan options for the levels of protection you are considering.

There are different eligibility requirements for each plan, so please read them carefully.

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Term Life/Child's Life Cost Calculator: Offering some of the lowest premium rates while delivering flexibility to suit your needs, including protection for your children.

Available to members and their spouses.
You can also review information about your Term Life Plan.

Major Accident Protection Cost Calculator: Protection coverage for Major Accident/Impairment and Accidental Death.

Available to members and their spouses.
You can also review information about your Major Accident Protection Plan.


Hbc Cardholders and their spouses residing in Canada, between the ages of 18 and 65, are eligible to apply for the Term Life Insurance Plan.
Underwritten by:  Manulife Financial
The Hbc, the Bay, Zellers insurance plans are underwritten by The Manufacturers Life Insurance Company (Manulife Financial).

Go to www.manulife.com to obtain more information on Manulife Financial.

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