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Critical Illness Insurance:
Check the Rates
Members and their spouses can choose up to 10 units of $25,000 each, for a maximum of $250,000 coverage per person.
Choose coverage of $125,000 or more per person, and take 10% off the total premiums for that coverage.
See the rates that apply to you below, or let us calculate the cost for you.
Monthly Premium Per $25,000 unit
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| Age* | Non-Smoker** | Smoker |
 | Male | Female | Male | Female |
| 18 to 24 | $3.69 | $3.32 | $4.72 | $4.22 |
| 25 to 29 | 4.01 | 3.68 | 5.21 | 4.72 |
| 30 to 34 | 4.86 | 4.77 | 6.88 | 6.22 |
| 35 to 39 | 5.93 | 6.30 | 9.32 | 8.48 |
| 40 to 44 | 8.14 | 8.88 | 13.89 | 13.14 |
| 45 to 49 | 12.70 | 12.49 | 24.73 | 21.36 |
| 50 to 54 | 19.54 | 17.83 | 42.82 | 31.76 |
| 55 to 59 | 31.60 | 24.58 | 70.06 | 46.90 |
| 60 to 64 | 52.49 | 34.05 | 103.48 | 63.63 |
| 65 to 69*** | 71.14 | 47.02 | 148.44 | 83.25 |
* "Age" means attained age at the policy anniversary date (June 1).
** Non-Smokers are those who have not used any form or tobacco or tobacco cessation products within the past 12 months and who meet Manulife Financial's health standards. You must notify Manulife Financial of any change to your smoking status.
*** Premiums for renewals only. Coverage ends at Age 70.
Note that premiums change as the insured reaches certain ages, as indicated in the table. Premiums may also change at the Policy Anniversary Date (June 1).
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 am_service@manulife.com any time.
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