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Term Life monthly rates
You and your spouse can choose Term Life coverage in multiples (units) of $35,000.
Coverage for Members and Spouses ends at age 85. |
MONTHLY PREMIUM1 PER $35,000 UNIT OF COVERAGE | |
| Non-Smoker2 | Smoker | |
Age3 | Male | Female | Male | Female | |
18-29 | $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 | |
55-60 | 18.50 | 13.00 | 32.50 | 22.50 | |
61-64 | 25.90 | 18.45 | 53.65 | 33.30 | |
65-69 | 40.40 | 28.78 | 93.90 | 49.95 | |
70-744 | 78.40 | 55.25 | 167.15 | 92.40 | |
75-79 | 142.70 | 101.10 | 259.10 | 158.95 | |
80-84 | 251.15 | 176.95 | 357.55 | 254.30 | |
85 | Coverage ends | |
Rates are subject to change.
1Premium rates are not guaranteed and could change on any Policy Anniversary date. Premiums increase with age as you move into a new premium age band.
2Non-smoker rates are available to people who have not smoked cigarettes in the past 12 months and who meet Manulife Financial’s health standards.
3Age means the age reached on or immediately before the Policy anniversary date.
4Rates for ages 71 and up are for renewal only.
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