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The McGill/Manulife Base
Plan, underwritten by Manulife Financial is the ideal way to ensure your health and financial peace-of-mind.
The CoverMe Guaranteed Issue Life Plan guarantees you a measure of protection you can be sure of in this uncertain world.
Wouldn't you like to spend less time worrying about final expenses and debts you may leave behind ... and spend more time enjoying life with the people you love? That is why we designed theCoverMe Guaranteed Issue Life plan.
Other life insurance plans may protectyour loved ones from these financialburdens. But the CoverMe GuaranteedIssue Life plan offers you real peaceof mind with guaranteed acceptance,
guaranteed rates and much more!
Final expenses. Medical expenses. Outstanding loans and credit card debts. Regardless of whether you're working hard and focusing on building your career, raising a family, or your family is grown and on their own, the need for financial protection is real - no matter what age or stage you're at in life. Fortunately, with the affordable coverage offered by the CoverMe Guaranteed Issue Life plan, you'll be able to protect those you care about most with an extra measure of security.
Perhaps you want to ensure that your final expenses are not a burden to those most important in your life. Maybe you'd like your spouse to have an extra financial cushion to fall back on. Or, you'd just like to pass along a little something to your children or grandchildren.
Regardless of your reasons, the CoverMe Guaranteed Issue Life plan offers you one of the easiest ways to obtain the extra financial protection you want and need.
With CoverMe Guaranteed Issue Life, your acceptance is guaranteed – no medical exam or health questions are required Unlike most life insurance coverage, the CoverMe Guaranteed Issue Life plan does not require any medical underwriting. That means that as long as you are a Canadian citizen age 40 to 75, your acceptance is guaranteed*.
* Acceptance is guaranteed upon receipt of initial
premium payment(s).
Once you are insured under the CoverMe Guaranteed Issue Life plan, you can be confident that you made a wise decision. Guaranteed.
- Your premiums will never go up
for as long as you are covered –
guaranteed
- Your coverage amount will never
decrease – guaranteed
- Your coverage will never be
cancelled as long as your premiums
are paid – guaranteed
- And you can enjoy premium-free
coverage after your 95th birthday –
guaranteed.
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The CoverMe Guaranteed Issue Life plan
offers choice.
Recognizing that different people have different priorities regarding life insurance, the CoverMe Guaranteed Issue Life plan is designed to offer you coverage levels from $5,000 up to $25,000. When deciding on the coverage amount, keep in mind that your final expenses alone could run into thousands of dollars, not to mention any outstanding debts you
may leave behind.
Benefits increase to five times
the coverage amount, if you die
accidentally before age 85.
In the event of accidental death before age 85, your beneficiary could receive an Accidental Death Benefit that is five times your CoverMe Guaranteed Issue Life plan coverage amount! That means that if, for instance, you choose the $25,000 benefit and die before age 85 because of a bodily injury caused by accidental means while your policy is in force, your beneficiary could receive up to $125,000! |
Benefits payable under the
CoverMe Guaranteed Issue Life plan
___________________________________________ |
| DURING THE FIRST TWO YEARS OF COVERAGE: |
|
| Cause of death |
|
Benefit payable |
| Suicide |
|
Refund of 100% of the premiums
paid, without interest |
| Non-accident* |
|
Refund of premiums paid plus
10% interest compounded annually |
| Accident |
|
5 X the Life Benefit Amount |
|
|
|
| DURING THE FIRST TWO YEARS OF COVERAGE: |
|
| Suicide |
|
Life Benefit Amount |
| Non-accident* |
|
Life Benefit Amount |
| Accident (under 85 years of age) |
|
5 X the Life Benefit Amount |
| Accident (at age 85+ years) |
|
Life Benefit Amount |
|
|
|
|
| * |
Coverage must be in force for at least 2 years before the Life Insurance amount
you choose becomes payable. |
|
Coverage includes a Living Benefit that puts you first, when you need it most
In the event of a diagnosis of a terminal illness with a prognosis of less than 12 months to live, you will have the option of applying to receive an advance of up< to 50% of your life insurance benefit, provided your coverage has been in force for at least two years. You can use the money however you wish – to pay for a trip with your family, to paymedical expenses, to pay down a loan –the choice will be yours.
Your coverage is guaranteed premium-free from age 95
Your coverage is guaranteed to continue – without the need for any additionalmedical information. That means you'llcontinue to be covered – even if your health changes in the future. And, after your 95th birthday, you'll continue to be insured – without paying another premium again!
Your coverage cannot be cancelled
Your coverage cannot be cancelled for any reason, including changes in your health, as long as your premiums are paid. Of course, you can choose to cancel this protection at any time. |
Low-cost premiums make this coverage easy to budget for Based on an affordable monthly cost,it's easy to ensure that those who matter most in your life have an extra measure of security. Even better, under current legislation the life insurance benefit is 100% tax-free!
Non-smokers enjoy up to 20% lower premiums Lower premiums are available for those who have not used any tobacco products or nicotine substitutes in the last 12 months or more. If you apply as a smoker, you can still take advantage of this better value by applying to switch to the lower non-smoker rates once you've quit smoking for at least 12 months.
The sooner you apply, the lower your rates will be
The age you are when you apply, your gender and smoking status will determine your premiums. Apply today and you'll save a significant amount because you'll pay the premium rate for your current age, not the higher rate for your age after your next birthday! |
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| Issue Age |
Life Benefit $5,000 Accident Benefit $25,000 |
Life Benefit $10,000 Accident Benefit $50,000 |
Life Benefit $15,000 Accident Benefit $75,000 |
Life Benefit $20,000 Accident Benefit $100,000 |
Life Benefit $25,000 Accident Benefit $125,000 |
| |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 40 |
$8.51 |
$6.95 |
$17.02 |
$13.89 |
$25.53 |
$20.84 |
$34.03 |
$27.78 |
$42.54 |
$34.73 |
| 41 |
8.92 |
7.30 |
17.84 |
14.59 |
26.76 |
21.89 |
35.68 |
29.18 |
44.60 |
36.48 |
| 42 |
9.33 |
7.64 |
18.67 |
15.28 |
28.00 |
22.93 |
37.33 |
30.57 |
46.67 |
38.21 |
| 43 |
9.75 |
7.99 |
19.49 |
15.98 |
29.24 |
23.98 |
38.98 |
31.97 |
48.73 |
39.96 |
| 44 |
10.16 |
8.34 |
20.32 |
16.68 |
30.48 |
25.01 |
40.63 |
33.35 |
50.79 |
41.69 |
| 45 |
10.57 |
8.69 |
21.14 |
17.38 |
31.71 |
26.06 |
42.28 |
34.75 |
52.85 |
43.44 |
| 46 |
11.09 |
9.13 |
22.18 |
18.26 |
33.26 |
27.39 |
44.35 |
36.52 |
55.44 |
45.65 |
| 47 |
11.60 |
9.57 |
23.21 |
19.14 |
34.81 |
28.71 |
46.42 |
38.28 |
58.02 |
47.85 |
| 48 |
12.12 |
10.01 |
24.23 |
20.03 |
36.35 |
30.04 |
48.47 |
40.05 |
60.58 |
50.06 |
| 49 |
12.63 |
10.45 |
25.27 |
20.91 |
37.90 |
31.36 |
50.53 |
41.82 |
63.17 |
52.27 |
| 50 |
13.15 |
10.90 |
26.30 |
21.79 |
39.45 |
32.69 |
52.60 |
43.58 |
65.75 |
54.48 |
| 51 |
13.98 |
11.59 |
27.97 |
23.18 |
41.95 |
34.76 |
55.93 |
46.35 |
69.92 |
57.94 |
| 52 |
14.82 |
12.28 |
29.63 |
24.56 |
44.45 |
36.84 |
59.27 |
49.12 |
74.08 |
61.40 |
| 53 |
15.65 |
12.98 |
31.29 |
25.95 |
46.94 |
38.93 |
62.58 |
51.90 |
78.23 |
64.87 |
| 54 |
16.48 |
13.67 |
32.96 |
27.33 |
49.44 |
41.00 |
65.92 |
54.67 |
82.40 |
68.33 |
| 55 |
17.31 |
14.36 |
34.63 |
28.72 |
51.94 |
43.08 |
69.25 |
57.43 |
86.56 |
71.79 |
| 56 |
18.51 |
15.34 |
37.02 |
30.68 |
55.53 |
46.01 |
74.03 |
61.35 |
92.54 |
76.69 |
| 57 |
19.70 |
16.32 |
39.41 |
32.63 |
59.11 |
48.95 |
78.82 |
65.27 |
98.52 |
81.58 |
| 58 |
20.90 |
17.29 |
41.79 |
34.58 |
62.69 |
51.88 |
83.58 |
69.17 |
104.48 |
86.46 |
| 59 |
22.09 |
18.27 |
44.18 |
36.54 |
66.28 |
54.81 |
88.37 |
73.08 |
110.46 |
91.35 |
| 60 |
23.29 |
19.25 |
46.58 |
38.50 |
69.86 |
57.75 |
93.15 |
77.00 |
116.44 |
96.25 |
| 61 |
25.18 |
20.78 |
50.35 |
41.55 |
75.53 |
62.33 |
100.70 |
83.10 |
125.88 |
103.88 |
| 62 |
27.07 |
22.30 |
54.13 |
44.60 |
81.20 |
66.90 |
108.27 |
89.20 |
135.33 |
111.50 |
| 63 |
28.95 |
23.83 |
57.91 |
47.65 |
86.86 |
71.48 |
115.82 |
95.30 |
144.77 |
119.13 |
| 64 |
30.85 |
25.35 |
61.69 |
50.70 |
92.54 |
76.05 |
123.38 |
101.40 |
154.23 |
126.75 |
| 65 |
32.73 |
26.88 |
65.47 |
53.75 |
98.20 |
80.63 |
130.93 |
107.50 |
163.67 |
134.38 |
| 66 |
35.47 |
29.06 |
70.94 |
58.13 |
106.41 |
87.19 |
141.88 |
116.25 |
177.35 |
145.31 |
| 67 |
38.21 |
31.25 |
76.42 |
62.49 |
114.63 |
93.74 |
152.83 |
124.98 |
191.04 |
156.23 |
| 68 |
40.94 |
33.43 |
81.88 |
66.87 |
122.83 |
100.30 |
163.77 |
133.73 |
204.71 |
167.17 |
| 69 |
43.68 |
35.62 |
87.36 |
71.23 |
131.04 |
106.85 |
174.72 |
142.47 |
218.40 |
178.08 |
| 70 |
46.42 |
37.80 |
92.83 |
75.61 |
139.25 |
113.41 |
185.67 |
151.22 |
232.08 |
189.02 |
| 71 |
50.49 |
40.97 |
100.98 |
81.93 |
151.48 |
122.90 |
201.97 |
163.87 |
252.46 |
204.83 |
| 72 |
54.57 |
44.13 |
109.13 |
88.25 |
163.70 |
132.38 |
218.27 |
176.50 |
272.83 |
220.63 |
| 73 |
58.65 |
47.29 |
117.29 |
94.58 |
175.94 |
141.86 |
234.58 |
189.15 |
293.23 |
236.44 |
| 74 |
62.72 |
50.45 |
125.44 |
100.89 |
188.16 |
151.34 |
250.88 |
201.78 |
313.60 |
252.23 |
| 75+ |
66.80 |
53.61 |
133.59 |
107.22 |
200.39 |
160.83 |
267.18 |
214.43 |
333.98 |
268.04 |
| *Initial rates are subject to change without notice, but will not increase once coverage is in force. |
| CLICK HERE FOR SMOKERS RATES | |
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Applying for coverage is fast
and easy
1. Simply select the coverage that you or you and your spouse have decided on. (For your convenience, your spouse can also use the same application form.)
2. Complete, sign and date the
enclosed application.
3. Return it, along with your first premium payment, in the postage-paid envelope provided. The last thing you want is to leave those you love most, unprepared.
Apply for CoverMe Guaranteed Issue Life insurance today! |
Why buy CoverMe Guaranteed
Issue Life insurance?
Because...
- Your acceptance is guaranteed
- No medical exams or health questions to answer when you apply
- Your coverage cannot be cancelled
as long as you pay your premiums
- Premiums will never increase and
coverage will never decrease
- Lower rates of up to 20% if you are
a non-smoker
- Convenient payment options to suit
your budget
- The life insurance benefit is 100%
tax-free under current legislation
- Tax-free cash advance of up to 50%
is available if diagnosed with a
terminal illness
- Five times the life benefit paid for
accidental death before age 85
- Applying is fast, convenient and easy!
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