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Choose REALTORS®
Member & Family
Personal Accident
Insurance to
safeguard your
family's future
The consequences of a serious accident can affect your family for years. An accident that results in a disability can drain your family's finances, as they struggle to cope with the cost of adjusting their lifestyles. Fortunately, here's a practical solution designed for REALTORS® and endorsed by the Canadian Real Estate Association (CREA). |
The CREA Personal Accident Plan offers Members up to 5 units of coverage, each providing benefits up to $50,000, until age 70, when coverage ends. That's up to $250,000 in coverage for the exclusive low rate of just $2.50 per unit each month.
Under Family Coverage, your Spouses and eligible Children can also get up to 5 units of coverage at a total monthly cost of only $3.50 per unit. The benefit provided by each unit under Family Coverage is as follows:
Personal Accident Plan
Family Coverage:
Coverage Amount Per Unit |
 | Member and Spouse covered | Member and Children covered | Member, Spouse and Children covered |
| Member, per unit: | $50,000 | $50,000 | $50,000 |
| Spouse, per unit: | $25,000 | | $20,000 |
| Child, per unit: | | $20,000 each | $10,000 each |
Maximum coverage is 5 units. Benefits are payable to cover a wide range of accidental losses, including accidental death, as follows:
Personal Accident Plan
Payment of Benefits |
Accidental Loss | Amount of Benefit Payable* |
| Life | 100% |
| Both hands, both feet or sight of both eyes: | 100% |
| One hand and one foot: | 100% |
| One hand or foot, and sight of one eye: | 100% |
| Speech and hearing in both ears: | 100% |
| Quadriplegia (total paralysis): | 100% |
| Paraplegia (paralysis of lower limbs): | 100% |
| Hemiplegia (paralysis of one side): | 100% |
| Use of both arms or both hands or both feet: | 100% |
| One arm or one leg (or the use thereof): | 75% |
| One hand or one foot (or the use thereof): | 50% |
| Sight of one eye: | 50% |
| Speech or hearing in both ears: | 50% |
| Thumb and index finger from same hand: | 25% |
| Hearing in one ear: | 25% |
* Your maximum benefit payable shall not exceed 100% of the total unit value for any one accident.
Eligibility:
Members must be insured under the Term Life Plan or the Income Protection Plan to be eligible for Personal Accident coverage. Members must be insured under the Personal Accident Plan for their Spouses and Children to be eligible for Personal Accident coverage. Employees of Members, Real Estate Boards or Associations must be insured under the Term Life Plan or the Income Protection Plan to be eligible for Personal Accident coverage. Any applicant for the Personal Accident Plan must be a resident of Canada and less than 60 years of age. Children, stepchildren or adopted children must be unmarried, dependent on the Member for support, and at least 15 days old but not yet 21 years old (or not yet 25 years old if they are in full–time attendance at an accredited educational institution, college or university).
We've made it easy for you to get the Personal Accident coverage you want by yourself, in the comfort and privacy of your own home or office. Click the following links to get a free quote on the cost and to fill out your application online. You can also download an application that you can print, fill out and mail in:
If you don't have Adobe Acrobat Reader Version 3.01 or later, which is necessary to view and print these .PDF files, you can download it for free from Adobe:
If you have any questions about the CREA Personal Accident Plan, or need help with your application, please don’t hesitate to call Manulife Financial toll-free at 1 800 668-0195 Monday through Friday from 8 a.m. to 8 p.m. ET, or e-mail am_service@manulife.com any time. You can also send your request through the Web by clicking here.
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