,
Manulife Financial
 
Term Life Insurance Rates
for Costco Business and Gold Star members

Apply for coverage from $50,000 to $750,000, in units of $25,000. To determine your monthly cost, find the premium amount in the table that corresponds to your age, gender and smoking status, and then multiply that premium by the number of units you want. (For example, multiply the premium by 2 for $50,000 of coverage, by 3 for $75,000 of coverage, etc.) Remember, save 10% on rates for coverage of $200,000 or more! Once you are done, click here to apply.

Monthly Premium Per $25,0001 Unit
of Term Life Insurance

Age
2
Male
Female
Non-Smoker3
Smoker
Non-Smoker3
Smoker
18 to 30
$ 2.82   
$ 4.32   
$ 2.10   
$ 3.17   
31
2.88
4.50
2.24
3.35
32
2.94
4.68
2.37
3.57
33
3.01
4.83
2.42
3.71
34
3.08
4.98
2.48
3.85
35
3.15
5.13
2.55
4.01
36
3.22
5.29
2.61
4.16
37
3.29
5.46
2.67
4.33
38
3.38
5.78
2.77
4.55
39
3.47
6.12
2.87
4.79
40
3.57
6.48
2.97
5.04
41
3.66
6.87
3.08
5.30
42
3.76
7.28
3.19
5.58
43
3.90
8.02
3.20
5.95
44
3.92
8.83
3.22
6.29
45
3.97
9.06
3.25
6.30
46
4.13
9.98
3.35
6.71
47
4.31
11.00  
3.45
7.16
48
4.58
12.07  
3.68
7.65
49
4.86
13.23  
3.93
8.17
50
5.17
14.51  
4.20
8.73
51
5.49
15.92  
4.48
9.33
52
5.84
17.46  
4.79
9.96
53
6.27
18.49  
5.07
10.55  
54
6.73
19.58  
5.38
11.18  
55
7.22
20.74  
5.70
11.84  
56
8.33
23.61  
6.50
13.47  
57
8.95
25.01  
6.89
14.27  
58
9.83
27.28  
7.37
15.51  
59
10.79  
29.76  
7.89
16.86  
60
11.85  
32.47  
8.44
18.32  
61
13.02  
35.43  
9.03
19.91  
62
14.30  
38.65  
9.67
21.63  
63
15.36  
41.75  
10.30  
23.44  
64
16.50  
45.10  
10.97  
25.41  
65
17.73  
48.71  
11.69  
27.53  

  1. Minimum coverage is $50,000 or 2 units.
  2. "Age" for premiums and benefits means the age attained as of the policy anniversary date. Premiums increase with age.
  3. Non-smoker rates are available to people who have not used any form of tobacco, tobacco cessation products or marijuana in the past 12 months.

Note: Rates are subject to change without notice.