Pricing

You and your spouse can each apply for coverage to a maximum of $300,000. Together, you could have up to $600,000 of protection for your family.

Monthly premium per $25,000 of coverage

Male Female
Age as of July 1* Non-Smoker** Smoker Non-Smoker** Smoker
24 or less        
25 - 29        
30 - 34        
35 - 39        
40 - 44        
45 - 49        
50 - 54        
55 - 59        
60 - 64        
65 - 69†        
70 - 74†        

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

Important information about your premium rates:

*Premiums are calculated based on your [age/birthday] and applicable rate as of [date] 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 [xx-xx] are for renewal of existing coverage only.