Welcome, new Institute member,
to your complimentary
$50,000 Term Life coverage!
Once we confirm that you are a new Institute member (within 90 days of joining), we will mail you your coverage certificate for your complimentary $50,000 of Member Term Life Insurance. There are no medical examinations and no health questions to answer. Your complimentary coverage will last for up to 24 months or until June 1 of the year following the year in which you apply, whichever comes first. At that time, you will receive a renewal notice allowing you to continue your coverage for premiums starting as low as $1.40 a month depending on your age, gender and whether you smoke.
Plus, make the most of your new membership with special offers on:
Member Income Protection Disability Insurance
Member Personal Accident Insurance
Member Critical Illness Insurance
Enroll to be covered for up to $1,500/month of benefits — with no medical questions!
Income Protection Disability Insurance helps you protect yourself from the financial consequences of a disability that leaves you unable to work. To welcome you to the Institute, you can apply for up to fifteen units, ($1,500 of monthly benefits) of Income Protection Disability Insurance with no medical questions to answer when you apply. And you can select the Own Occupation Option to receive full benefit payments even if you choose to work in another occupation while Totally Disabled. See the rates that apply to you.
Enroll to add up to $50,000 of coverage to your Term Life or Income Protection Insurance — with no medical questions!
Personal Accident Insurance helps cover the immediate costs of a disability or death due to a covered accident. As a new Institute member with either Term Life or Income Protection coverage, you can get up to two units ($50,000) of Personal Accident Insurance with no medical questions to answer when you enroll. The Personal Accident Insurance benefit is paid as a lump sum, in amounts shown on the Table of Major Impairment Benefits Payable. The monthly premium is $1.76 for $50,000 of coverage.
Enroll for $25,000 of coverage - and pay half the regular premiums for up to two years!
If you are diagnosed with life-threatening cancer, a heart attack, a stroke, kidney failure or any of 14 other covered medical conditions, Critical Illness Insurance can provide a lump-sum cash benefit for the full amount of your coverage. Use this money to manage your recovery, get priority access to the treatment you need, or spend it any way you choose. As a new Institute member, you pay only 50% of the regular rates for 1 unit ($25,000) of the Critical Illness Insurance for which you may be eligible, for up to 24 months or until June 1 of the year following the year in which you apply, whichever comes first.
Click here for more information about Member Income Protection Disability Insurance
Click here for more information about Member Personal Accident Insurance
Click here for more information about Member Critical Illness Insurance
Once you become covered, you'll receive a Certificate with full details of your coverage. If you change your mind, simply return your Certificate within 30 days of receiving it for a full refund.
These special offers are available to you, as a new member under age 36, provided you apply within 90 days of your admission to membership. They're our way of welcoming you to the profession, and introducing you to the valuable coverage, available to you at attractive members-only rates, that more than 11,000 of your colleagues already enjoy.
To take advantage of any or all of these special offers, you must apply within 90 days of the date of your admission into the Institute.
Residents of Quebec and New Brunswick cannot apply for coverage online. Contact Manulife Financial toll-free at 1 866 219-4245 or by e-mail at firstname.lastname@example.org to request an information package.
Les résidents du Québec et du Nouveau-Brunswick ne peuvent pas présenter une demande de couverture en ligne. Pour obtenir une trousse d'information, veuillez communiquer avec la Financière Manuvie au numéro sans frais 1 866 219-4245 ou par courriel à l'adresse email@example.com.
If you choose, you can also apply online to purchase additional Member and Spouse Term Life Insurance, Child Life and Accident Insurance, Member Income Protection Disability Insurance, Member Office Overhead Expense Insurance, Member and Spouse Personal Accident Insurance or Member and Spouse Critical Illness Insurance.
If you have questions or feedback about our coverage, click here to contact us online, telephone us toll-free at 1 866 219-4245 Monday through Friday from 8 a.m. to 8 p.m. ET, or e-mail us at firstname.lastname@example.org any time.