* 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.