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Term Life Insurance
Child Protection
Accidental Death & Dismemberment
Critical Illness
Total Disability Premium Waiver



Term Life Insurance
Low-cost rates make it easy to get the protection your family may need

Choose from $50,000 up to $1 million in coverage for yourself and $50,000 up to $1 million in coverage for your spouse, in increments of $25,000. This table shows the monthly rates for each $25,000 unit of coverage. Find the rate that applies to you, depending on your age, gender and whether you smoke. To determine your monthly premiums, multiply this rate by the number of units, up to 40, that correspond to the coverage you want.

For example:

Coverage amount desired:$150,000 in coverage
Particulars:male non-smoker aged 42
Calculation details:$4.50 x 6 units = $27.00
Total monthly payment:$27.00
Term Life Insurance
Monthly Premiums for each $25,000 of coverage
Issue & Renewal Age
Non-Smokers
Smokers
Male
Female
Male
Female
18 to 30
$2.75
$2.25
$4.75
$3.00
31
2.75
2.50
4.75
3.25
32
3.00
2.50
5.00
3.50
33
3.00
2.50
5.25
3.75
34
3.25
2.75
5.50
4.00
35
3.25
2.75
5.75
4.50
36
3.25
3.00
6.00
4.75
37
3.50
3.00
6.25
5.25
38
3.75
3.25
6.75
5.75
39
4.00
3.50
7.25
6.00
40
4.00
3.50
7.75
6.50
41
4.25
3.75
8.50
6.75
42
4.50
4.00
9.00
7.25
43
5.00
4.25
10.00
7.75
44
5.25
4.50
11.00
8.50
45
5.75
4.75
12.00
9.25
46
6.00
5.00
13.25
9.75
47
6.50
5.50
14.75
10.75
48
7.00
5.75
16.50
11.50
49
7.50
6.00
18.50
12.50
50
8.25
6.50
20.75
13.50
51
9.00
6.75
23.25
14.75
52
9.75
7.25
26.25
16.00
53
10.25
7.75
28.25
17.00
54
11.00
8.25
30.50
18.25
55
11.50
8.75
33.00
19.50
56
12.25
9.25
35.50
20.75
57
13.00
9.75
38.50
22.00
58
14.25
10.75
41.25
23.50
59
15.50
12.00
44.25
25.25
60
16.75
13.25
47.50
27.00
61
18.25
15.00
51.00
28.75
62
20.00
16.50
54.50
30.75
63
22.00
18.25
59.75
33.00
64
24.25
20.25
65.50
35.75
65
27.00
22.25
71.75
38.25
66
29.75
24.50
78.75
41.25
67
33.00
27.00
86.25
44.25
68
36.75
29.25
93.00
48.25
69
41.00
31.75
100.50
52.50
70
46.00
34.25
108.25
57.00
71*
51.25
37.00
117.00
62.00
72*
57.25
40.00
126.25
67.50
73*
63.00
45.25
136.75
74.00
74*
69.25
51.00
148.50
81.25
75*
76.25
57.50
161.00
89.00
76*
83.75
65.00
174.75
97.50
77*
92.25
73.25
189.50
107.00
78*
92.25
73.25
189.50
107.00
79*
92.25
73.25
189.50
107.00
*Premiums are for renewal purposes only

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Child Protection
Add Child Protection and cover all of your eligible children with a single premium.

This table shows the additional premium for $10,000 of coverage. One premium covers all of your eligible children, regardless of how many. Newborn children will automatically become covered under your existing Child Life Insurance, at no extra cost, once they reach the age of 15 days. Simply provide Manulife with their names and dates of birth.

Child Protection
Monthly Premium for $10,000 of coverage
Single premium covers
all eligible children:
$ 2.25

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Accidental Death & Dismemberment
Add Accidental Death & Dismemberment coverage to safeguard your financial health

You and your spouse can choose up to $500,000 in coverage each, in $10,000 increments.
This table shows the monthly rate for each $10,000 unit of coverage. To determine your monthly premiums, multiply this rate by the number of units that correspond to the coverage you want. Please remember that your coverage amount must be less than or equal to your Term Life coverage amount.
For example:

Coverage amount desired:$150,000 in coverage
Particulars:male non-smoker aged 42
Calculation details:$0.50 x 15 units = $7.50
Total monthly payment:$7.50

Accidental Death & Dismemberment coverage
Monthly Premium for each $10,000 of coverage
Single premium covers both Male/Female
Smoker/Non-Smoker
1 Unit = $10,000:
$ 0.50

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Critical Illness
Add Critical Illness coverage to protect your lifestyle during recovery

You and your spouse can each choose either $10,000 or $20,000 in Critical Illness coverage.

Critical Illness coverage
Monthly Premiums for $10,000 and $20,000 of coverage
Male
Female
Age:
$10,000 coverage
$20,000 coverage
$10,000 coverage
$20,000 coverage
18 to 39
$ 5.07
$ 10.14
$ 6.02
$ 12.04
40 to 49
10.69
21.38
13.84
27.68
50 to 60
19.69
39.38
29.53
59.06

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Total Disability Premium Waiver
Add Total Disability Premium Waiver when you apply for Term Life Insurance, and all your premiums could be waived during a disability

To determine your monthly premiums, multiply this rate by the number of units that correspond to the coverage amount you have chosen for your Term Life Insurance Plan.

Note: Your coverage amount must equal your Term Life coverage amount. You may apply for this coverage only when applying for Term Life coverage.

For example:

Coverage amount desired:$150,000 in coverage
Particulars:male non-smoker aged 42
Calculation details:$0.45 x 3 units = $1.35
Total monthly payment:$1.35

Total Disability Premium Waiver
Monthly Premiums for each $25,000 of Term Life insurance coverage
Non-Smokers
Smokers
Issue & Renewal Age
Male
Female
Male
Female
18 to 30
$0.28
$0.34
$0.48
$0.45
31
0.28
0.38
0.48
0.49
32
0.30
0.38
0.50
0.53
33
0.30
0.38
0.53
0.56
34
0.33
0.41
0.55
0.60
35
0.33
0.41
0.58
0.68
36
0.33
0.45
0.60
0.71
37
0.35
0.45
0.63
0.79
38
0.38
0.49
0.68
0.86
39
0.40
0.53
0.73
0.90
40
0.40
0.53
0.78
0.98
41
0.43
0.56
0.85
1.01
42
0.45
0.60
0.90
1.09
43
0.50
0.64
1.00
1.16
44
0.53
0.68
1.10
1.28
45
0.58
0.71
1.20
1.39
46
0.60
0.75
1.33
1.46
47
0.65
0.83
1.48
1.61
48
0.70
0.86
1.65
1.73
49
0.75
0.90
1.85
1.88
50
0.83
0.98
2.08
2.03
51
0.90
1.01
2.33
2.21
52
0.98
1.09
2.63
2.40
53
1.03
1.16
2.83
2.55
54
1.10
1.24
3.05
2.74
55
1.15
1.31
3.30
2.93
56*
1.23
1.39
3.55
3.11
57*
1.30
1.46
3.85
3.30
58*
1.43
1.61
4.13
3.53
59*
1.55
1.80
4.43
3.79
60*
1.68
1.99
4.75
4.05
61*
1.83
2.25
5.10
4.31
62*
2.00
2.48
5.45
4.61
63*
2.20
2.74
5.98
4.95
64*
2.43
3.04
6.55
5.36
*Premiums are for renewal purposes only

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Get an application, complete it and return it to Manulife today.