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LOW GROUP RATES FOR YOU!

Term Life Insurance
Choose from $50,000 up to $750,000 in coverage for yourself and $50,000 up to $750,000 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 30, that correspond to the coverage you want.

Starting at age 66, coverage reduces by $2,500 per unit per year and ends at age 75. Insured members aged 73 to 74 are covered for $5,000 and $2,500 per unit, respectively, without premium charge.

MONTHLY PREMIUM PER $25,000 UNIT
Age*
Non-Smoker**
Standard
MALE
FEMALE
MALE
FEMALE
Under 30
$ 2.20
$ 1.70
$ 3.50
$ 2.50
30 – 34
2.40
2.00
4.00
3.00
35 – 39
2.90
2.20
5.25
4.00
40 – 44
4.10
3.20
8.00
6.00
45 – 49
6.00
4.60
12.25
9.00
50 – 54
8.90
6.50
18.00
12.25
55 – 59
14.40
9.60
26.75
16.50
60 – 72
16.80
11.80
35.50
20.25
73 – 74
No Premiums Payable
75
Coverage Terminates

Minimum Coverage .......................................................................................................... 2 Units
Maximum Coverage ....................................................................................................... 30 Units

† Rates for this age group are for renewals only.
* “Age”, for the calculation of premiums and the determination of benefits, means the age attained as of the beginning of each policy year.
** Non-Smoker rates apply to people who have not smoked cigarettes in the past 12 months and who meet Manulife Financial’s health standards.


Child Life Coverage
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 Financial with their names and dates of birth.

MONTHLY PREMIUM FOR $10,000 OF COVERAGE
Single premium covers all eligible children
$2.25


Personal Accident Insurance
You and your spouse can choose up to $250,000 in coverage each. The value of 1 unit is $25,000, until age 65. Starting at age 66, coverage reduces by $2,500 per unit per year and ends at age 75. Insured members aged 73 and 74 are covered for $5,000 and $2,500 per unit, respectively, without premium charge. Please remember that your coverage amount must be less than or equal to your Term Life coverage amount.

MONTHLY PREMIUMS
Premiums cover Male/Female Smoker/Non-Smoker
$25,000
$1.50
50,000
3.00
75,000
4.50
100,000
6.00
125,000
7.50
150,000
9.00
175,000
10.50
200,000
12.00
225,000
13.50
250,000
15.00

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


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