No-Cost Student Offer
Premium Worksheet

Your choice. Your coverage after graduation.

Insurance Type Double-Up Coverage Optional Graduate Upgrade Coverage
Basic Life $200,000
(includes WOP)
(includes WOP and FIG)
Accidental Death & Dismemberment $200,000 $500,000
DisabilityGuard™ Insurance $2,000/month
(includes 90-day elimination period, COLA and Own Occ)
(includes 30-day elimination period, COLA, FIG and Own Occ)
TripleGuard™ Insurance∆∆ $15,000 associate coverage OR
$50,000 standard coverage
$15,000 associate coverage OR
$50,000 standard coverage

Premium payment begins after your graduation year on January 1st.
Coverage is subject to terms and conditions of the policy.
∆∆Your dental tools coverage will continue until you choose between these coverage options or December 31st of your graduation year.

If you have signed up for the no-cost student package, you are eligible for significant savings: 50% off life, accidental death and TripleGuard™ for 3 years and 15% off DisabilityGuard™ for the life of the policy!

Estimate the discounted premiums you could pay when you’re an associate.

Do you want Double Up or Optional coverage when you graduate?

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Are you male or female?

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Are you a smoker or non-smoker?

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Do you live in British Columbia?

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Which TripleGuard™ package do you want?

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HealthEdge rates: If you are a non-smoker, in excellent health and maintain a healthy lifestyle you may receive special savings on your DisabilityGuard™ Insurance premiums with HealthEdge. The insurer will consider you for reduced premiums if you qualify.

Elimination (waiting) period: The length of time you must wait following the start of disability before disability benefits first become payable.

WOP — Waiver of Premium Option: You don’t pay premiums for DisabilityGuard™ or Life coverage if you are totally disabled for the required length of time.

COLA — Cost of Living Adjustment Option: Increases your benefit each year during a period of disability by the increase in the Consumer Price Index (to a maximum of 8 per cent annually).

FIG — Future Insurance Guarantee Option: Increase your Life or DisabiityGuard™ insurance by specific amounts without additional evidence of good health.

Own Occ — Own Occupation Definition: Allows you to receive disability benefits even if you are able to earn income from a new occupation that you weren’t engaged in immediately prior to becoming disabled.

* Premiums listed are based on 2018 rates. Non-smoker rates for DisabilityGuard™ Insurance are based on HealthEdge premiums. Under the Double-Up package non-smoker rates for Basic Life Insurance are based on HealthEdge premiums. Under the Optional package, non-smoker rates for Basic Life Insurance are based on AdvantEdge premiums. Medical underwriting is required for those 40 or older at time of application, and for all students for the Optional Graduate Package. The values contained herein are for illustrative purposes only and may not represent your premium costs. Conditions, limitations and exclusions apply. See policy for details. BL, AD&D and DisabilityGuard™ Insurance are underwritten by The Manufacturers Life Insurance Company (Manulife), PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B3. TripleGuard™Insurance is underwritten by Aviva Insurance Company of Canada.