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Term Life Information


Would you like to include the Future Insurability Option?

Important information:

  • Premiums - Premium rates may change at the Policy Anniversary date (June 1).
    Provincial taxes may apply.
  • Rate savings –

    Rate reductions will apply for volume purchases of per person coverage of $250,000 and over:

    - 10% for coverage of $250,000 to $725,000;

    - 15% for coverage of $750,000 to $1,225,000; and

    - 18% for coverage totaling $1,250,000 to $2,000,000.

  • Age - "Age" for the purpose of this policy is your age at the beginning of each policy year - June 1. Term Life premiums increase with age, as shown in the premium rates table.
  • All quotes are based on current rates and are subject to change without notice. Approval is based on satisfactory evidence of insurability and financial need.
Residents of New Brunswick and Quebec cannot apply for coverage online. Applications are available to download in the Resource Centre or you may contact Manulife toll-free at 1 866 219.4245 or by e-mail at to request an information package.