| Age | $50,000 | $75,000 | $100,000 | $125,000 | $150,000 |
|---|---|---|---|---|---|
| 18-30 | $8.00 | $10.00 | $10.20 | $11.75 | $13.30 |
| 31 | $8.00 | $10.00 | $10.20 | $11.75 | $13.30 |
| 32 | $8.00 | $10.00 | $10.20 | $11.75 | $13.30 |
| 33 | $8.00 | $10.00 | $10.20 | $11.75 | $13.30 |
| 34 | $8.10 | $10.15 | $10.40 | $12.00 | $13.60 |
| 35 | $8.20 | $10.30 | $10.40 | $12.00 | $13.60 |
| 36 | $8.30 | $10.45 | $10.60 | $12.25 | $13.90 |
| 37 | $8.40 | $10.60 | $10.80 | $12.50 | $14.20 |
| 38 | $8.70 | $11.05 | $11.20 | $13.00 | $14.80 |
| 39 | $9.00 | $11.50 | $11.60 | $13.50 | $15.40 |
| 40 | $9.30 | $11.95 | $12.20 | $14.25 | $16.30 |
| 41 | $9.60 | $12.40 | $12.60 | $14.75 | $16.90 |
| 42 | $9.90 | $12.85 | $13.00 | $15.25 | $17.50 |
| 43 | $10.40 | $13.60 | $13.80 | $16.25 | $18.70 |
| 44 | $10.80 | $14.20 | $14.60 | $17.25 | $19.90 |
| 45 | $11.30 | $14.95 | $15.40 | $18.25 | $21.10 |
| 46 | $11.80 | $15.70 | $16.00 | $19.00 | $22.00 |
| 47 | $12.30 | $16.45 | $16.80 | $20.00 | $23.20 |
| 48 | $13.10 | $17.65 | $18.00 | $21.50 | $25.00 |
| 49 | $13.90 | $18.85 | $19.20 | $23.00 | $26.80 |
| 50 | $14.70 | $20.05 | $20.60 | $24.75 | $28.90 |
| 51 | $15.50 | $21.25 | $21.80 | $26.25 | $30.70 |
| 52 | $16.30 | $22.45 | $23.00 | $27.75 | $32.50 |
| 53 | $18.00 | $25.00 | $25.60 | $31.00 | $36.40 |
| 54 | $19.70 | $27.55 | $28.20 | $34.25 | $40.30 |
| 55 | $21.20 | $29.80 | $30.60 | $37.25 | $43.90 |
| 56 | $22.90 | $32.35 | $33.00 | $40.25 | $47.50 |
| 57 | $24.70 | $35.05 | $35.80 | $43.75 | $51.70 |
| 58 | $26.70 | $38.05 | $39.00 | $47.75 | $56.50 |
| 59 | $28.90 | $41.35 | $42.40 | $52.00 | $61.60 |
| 60 | $31.30 | $44.95 | $46.00 | $56.50 | $67.00 |
| 61 | $33.90 | $48.85 | $50.00 | $61.50 | $73.00 |
| 62 | $36.80 | $53.20 | $54.40 | $67.00 | $79.60 |
| 63 | $41.10 | $59.65 | $61.00 | $75.25 | $89.50 |
| 64 | $45.90 | $66.85 | $68.40 | $84.50 | $100.60 |
| 65 | $51.30 | $74.95 | $76.80 | $95.00 | $113.20 |
| 66 | $57.50 | $84.25 | $86.20 | $106.75 | $127.30 |
| 67 | $64.40 | $94.60 | $97.00 | $120.25 | $143.50 |
| 68 | $71.70 | $105.55 | $108.20 | $134.25 | $160.30 |
| 69 | $79.90 | $117.85 | $120.80 | $150.00 | $179.20 |
| 70 | $89.10 | $131.65 | $135.00 | $167.75 | $200.50 |
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Term life
An affordable way to provide your loved ones a more secure financial future. Term life insurance can be an optimal life insurance solution. You can choose the level of protection that is right for you, your family, and your budget – and your rates are guaranteed not to increase for ten years.
Note: While our transition to Vertis Direct is being finalized, you still may see a reference to our former name, The McLennan Group Life Insurance Inc. when you click for an online quote and application.
A guide to life insurance
This booklet from the Canadian Life and Health Insurance Association in designed to help you understand life insurance.
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Monthly premiums
Premiums shown in the charts below are on a per person basis. Rates include a policy fee, and are subject to change without notice. *Non-Smoker rates apply to people who have not used any form of tobacco, tobacco cessation products or marijuana in the past 12 months.
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Female Rates / Benefit Amounts - Non-Smoker*
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Female Rates / Benefit Amounts - Smoker
Age $50,000 $75,000 $100,000 $125,000 $150,000 18-30 $9.90 $12.85 $13.20 $15.50 $17.80 31 $10.30 $13.45 $13.80 $16.25 $18.70 32 $10.70 $14.05 $14.20 $16.75 $19.30 33 $11.10 $14.65 $15.00 $17.75 $20.50 34 $11.60 $15.40 $15.80 $18.75 $21.70 35 $12.10 $16.15 $16.40 $19.50 $22.60 36 $12.50 $16.75 $17.20 $20.50 $23.80 37 $13.00 $17.50 $17.80 $21.25 $24.70 38 $13.80 $18.70 $19.00 $22.75 $26.50 39 $14.50 $19.75 $20.20 $24.25 $28.30 40 $15.30 $20.95 $21.40 $25.75 $30.10 41 $16.10 $22.15 $22.60 $27.25 $31.90 42 $16.90 $23.35 $23.80 $28.75 $33.70 43 $18.20 $25.30 $25.80 $31.25 $36.70 44 $19.40 $27.10 $27.80 $33.75 $39.70 45 $20.70 $29.05 $29.80 $36.25 $42.70 46 $22.00 $31.00 $31.80 $38.75 $45.70 47 $23.30 $32.95 $33.80 $41.25 $48.70 48 $24.80 $35.20 $36.00 $44.00 $52.00 49 $26.40 $37.60 $38.40 $47.00 $55.60 50 $27.90 $39.85 $40.80 $50.00 $59.20 51 $29.40 $42.10 $43.20 $53.00 $62.80 52 $31.00 $44.50 $45.60 $56.00 $66.40 53 $34.80 $50.20 $51.40 $63.25 $75.10 54 $38.70 $56.05 $57.40 $70.75 $84.10 55 $42.50 $61.75 $63.20 $78.00 $92.80 56 $46.20 $67.30 $69.00 $85.25 $101.50 57 $50.20 $73.30 $75.20 $93.00 $110.80 58 $54.40 $79.60 $81.60 $101.00 $120.40 59 $59.10 $86.65 $88.80 $110.00 $131.20 60 $64.10 $94.15 $96.40 $119.50 $142.60 61 $69.60 $102.40 $105.00 $130.25 $155.50 62 $75.60 $111.40 $114.20 $141.75 $169.30 63 $83.40 $123.10 $126.20 $156.75 $187.30 64 $90.20 $133.30 $136.60 $169.75 $202.90 65 $97.80 $144.70 $148.40 $184.50 $220.60 66 $106.60 $157.90 $161.80 $201.25 $240.70 67 $115.30 $170.95 $175.20 $218.00 $260.80 68 $125.30 $185.95 $190.60 $237.25 $283.90 69 $135.20 $200.80 $206.00 $256.50 $307.00 70 $145.20 $215.80 $221.20 $275.50 $329.80
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Male Rates / Benefit Amounts - Non-Smoker*
Age $50,000 $75,000 $100,000 $125,000 $150,000 18-30 $9.20 $11.80 $12.00 $14.00 $16.00 31 $9.30 $11.95 $12.20 $14.25 $16.30 32 $9.30 $11.95 $12.20 $14.25 $16.30 33 $9.40 $12.10 $12.40 $14.50 $16.60 34 $9.50 $12.25 $12.40 $14.50 $16.60 35 $9.50 $12.25 $12.60 $14.75 $16.90 36 $9.60 $12.40 $12.60 $14.75 $16.90 37 $9.70 $12.55 $12.80 $15.00 $17.20 38 $10.00 $13.00 $13.20 $15.50 $17.80 39 $10.40 $13.60 $13.80 $16.25 $18.70 40 $10.70 $14.05 $14.40 $17.00 $19.60 41 $11.10 $14.65 $15.00 $17.75 $20.50 42 $11.40 $15.10 $15.40 $18.25 $21.10 43 $12.20 $16.30 $16.60 $19.75 $22.90 44 $12.90 $17.35 $17.80 $21.25 $24.70 45 $13.70 $18.55 $19.00 $22.75 $26.50 46 $14.40 $19.60 $20.00 $24.00 $28.00 47 $15.20 $20.80 $21.20 $25.50 $29.80 48 $16.60 $22.90 $23.40 $28.25 $33.10 49 $18.00 $25.00 $25.60 $31.00 $36.40 50 $19.50 $27.25 $27.80 $33.75 $39.70 51 $20.90 $29.35 $30.00 $36.50 $43.00 52 $22.30 $31.45 $32.20 $39.25 $46.30 53 $24.40 $34.60 $35.40 $43.25 $51.10 54 $26.40 $37.60 $38.40 $47.00 $55.60 55 $28.40 $40.60 $41.60 $51.00 $60.40 56 $30.40 $43.60 $44.60 $54.75 $64.90 57 $32.50 $46.75 $48.00 $59.00 $70.00 58 $35.90 $51.85 $53.00 $65.25 $77.50 59 $39.60 $57.40 $58.80 $72.50 $86.20 60 $43.80 $63.70 $65.20 $80.50 $95.80 61 $48.50 $70.75 $72.40 $89.50 $106.60 62 $53.70 $78.55 $80.40 $99.50 $118.60 63 $61.60 $90.40 $92.60 $114.75 $136.90 64 $68.90 $101.35 $103.80 $128.75 $153.70 65 $76.80 $113.20 $116.00 $144.00 $172.00 66 $85.60 $126.40 $129.60 $161.00 $192.40 67 $94.40 $139.60 $143.00 $177.75 $212.50 68 $104.50 $154.75 $158.60 $197.25 $235.90 69 $114.60 $169.90 $174.20 $216.75 $259.30 70 $124.70 $185.05 $189.80 $236.25 $282.70
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Male Rates / Benefit Amounts - Smoker
Age $50,000 $75,000 $100,000 $125,000 $150,000 18-30 $12.00 $16.00 $16.40 $19.50 $22.60 31 $12.50 $16.75 $17.00 $20.25 $23.50 32 $13.00 $17.50 $17.80 $21.25 $24.70 33 $13.70 $18.55 $19.00 $22.75 $26.50 34 $14.50 $19.75 $20.20 $24.25 $28.30 35 $15.20 $20.80 $21.40 $25.75 $30.10 36 $16.00 $22.00 $22.40 $27.00 $31.60 37 $16.70 $23.05 $23.60 $28.50 $33.40 38 $18.00 $25.00 $25.60 $31.00 $36.40 39 $19.20 $26.80 $27.40 $33.25 $39.10 40 $20.40 $28.60 $29.20 $35.50 $41.80 41 $21.60 $30.40 $31.20 $38.00 $44.80 42 $22.80 $32.20 $33.00 $40.25 $47.50 43 $25.10 $35.65 $36.60 $44.75 $52.90 44 $27.40 $39.10 $40.00 $49.00 $58.00 45 $29.70 $42.55 $43.60 $53.50 $63.40 46 $32.00 $46.00 $47.00 $57.75 $68.50 47 $34.30 $49.45 $50.60 $62.25 $73.90 48 $37.30 $53.95 $55.20 $68.00 $80.80 49 $40.30 $58.45 $59.80 $73.75 $87.70 50 $43.30 $62.95 $64.40 $79.50 $94.60 51 $46.30 $67.45 $69.20 $85.50 $101.80 52 $49.30 $71.95 $73.80 $91.25 $108.70 53 $55.20 $80.80 $82.80 $102.50 $122.20 54 $61.10 $89.65 $91.80 $113.75 $135.70 55 $66.90 $98.35 $100.80 $125.00 $149.20 56 $72.80 $107.20 $109.80 $136.25 $162.70 57 $78.70 $116.05 $119.00 $147.75 $176.50 58 $86.80 $128.20 $131.40 $163.25 $195.10 59 $95.80 $141.70 $145.20 $180.50 $215.80 60 $105.80 $156.70 $160.80 $199.75 $238.90 61 $116.90 $173.35 $177.60 $221.00 $264.40 62 $129.10 $191.65 $196.60 $244.75 $292.90 63 $140.60 $208.90 $214.20 $266.75 $319.30 64 $153.20 $227.80 $233.60 $291.00 $348.40 65 $166.90 $248.35 $254.60 $317.25 $379.90 66 $181.90 $270.85 $277.80 $346.25 $414.70 67 $198.30 $295.45 $302.80 $377.50 $452.20 68 $210.50 $313.75 $321.60 $401.00 $480.40 69 $222.70 $332.05 $340.40 $424.50 $508.60 70 $234.90 $350.35 $359.40 $448.25 $537.10
TERM LIFE INSURANCE
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Term & Conditions
Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. © 2023 The Manufacturers Life Insurance Company. All rights reserved. P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. Product may not be available in all provinces. Terms, conditions and exclusions apply; see policy for details.
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