Pricing

Monthly premium per $30,000 of coverage

Male Female
Age as of January 1st* Non-Smoker** Smoker Non-Smoker** Smoker
Under 30 $1.98 $2.95 $1.48 $2.08
30 - 34 $2.20 $3.20 $1.73 $2.45
35 - 39 $2.75 $4.55 $2.20 $3.08
40 - 44 $4.43 $7.68

$3.20

 $5.23
45 - 49 $7.25 $12.28 $4.65 $7.40
50 - 54 $11.93 $19.78 $7.35 $12.38
55 - 59 $17.23 $29.43 $12.28 $18.35
60 - 64 $20.63 $33.98 $13.60 $20.63
65 - 69† $12.38 $19.33 $10.40 $12.78
70 Coverage Terminates

Plus taxes where applicable. Rates are subject to annual review.

Important information about your premium rates:

*Premiums are calculated based on your age and applicable rate as of January 1 each year. As the rates are in 5-year age bands, premiums will increase as you reach a higher age band.

**Non-smoker rates apply to individuals who, at the time of application, have not used tobacco, nicotine, or cannabis mixed with tobacco in any form whatsoever within the last 12 months and who have provided satisfactory evidence of insurability.

†The premiums shown for ages 65-69 are for renewal of existing coverage only.