Term Life Rate Table You and your spouse can choose the amount of Term Life insurance you need, in multiples (units) of $35,000. Beginning at age 61, coverage reduces by $3,500 per unit per year until age 70 when insurance coverage terminates. Insured members and spouses age 68 and 69 are covered for $7,000 and $3,500 per unit respectively without premium charge. . Monthly Premium Per Unit* Non-Smoker** Standard Age*** Male Female Male Female Under 30 $2.45 $1.75 $3.50 $2.75 30-34 $2.55 $2.00 $4.35 $3.25 35-39 $3.25 $2.40 $5.95 $4.10 40-44 $4.90 $3.80 $9.75 $6.80 45-49 $7.50 $5.45 $14.75 $9.85 50-54 $11.25 $8.00 $21.75 $14.10 55-59 $18.50 $13.00 $32.50 $22.50 60-67 $18.50 $13.00 $32.50 $22.50 Rates are subject to change. * Monthly Premium Per Unit - Premium rates may change at the Policy Anniversary date. ** Non-Smoker - Non-smoker rates are available to people who have not smoked cigarettes in the past 12 months and who meet Manulife Financial's health standards. *** Age - Please note that premiums increase with Age. "Age", for the purpose of the policy is attained age at the beginning of each policy year - December 1st.