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Key Benefits To Secure Your Family's Future

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 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. Please do not include any credit card account numbers in your email message to us.

The Canadian Real Estate Association (CREA) Insurance Plans are underwritten by The Manufacturers Life Insurance Company (Manulife).

All applicants must be resident in Canada. You must be a member of the Canadian Real Estate Association (CREA) and be licensed as a real estate agent/broker or salesperson for a minimum of one year, or an employee of a CREA member, or an employee of a Real Estate Board or Association working a minimum of 25 hours per week in the real estate industry.

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