Engineers Canada Manulife Financial
Term Life insurance
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To calculate monthly premiums for Member and/or Spouse Term Life Insurance, simply follow the easy steps below.

blank Member Spouse
Term Life Insurance
  1. Coverage Amount - The combined total for existing Term Life coverage and the amount selected above must not exceed $1,500,000.

    NOTE: Term Life rates are reduced by 5% for coverage of $500,000 or more per person, and reduced by 10% for coverage of $1 million or more per person.

  2. Age - Please note that premiums increase with age, as specified in the premium rates table. "Age" for the purpose of the policy is attained age at the beginning of each policy year - April 1st.
  3. Standard/Non-Smoker - Non-smoker rates are available to people who have not smoked cigarettes in the past 12 months and who meet Manulife Financial's health standards.
  4. Provincial taxes may apply.
Insurance Continuation Option
    You chose Insurance Continuation Option, so that you may receive premium-free life insurance beginning at age 85 when Term Life coverage ends. The coverage amount of each Insurance Continuation Option unit equals $2,500 (or 10% of the coverage amount of each Term Life unit).
Monthly Premium

- Premium rates may change at any Policy Anniversary date.

- Provincial taxes may apply.

Please note, all quotes are based on current rates and are subject to change without notice.

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Engineers Canada-sponsored insurance plans are underwritten by The Manufacturers Life Insurance Company (Manulife Financial).