FollowMe™ Life Insurance

If your group life insurance coverage through your employer is ending, FollowMe™ Life Insurance is the simple, affordable solution,* giving you an easy, convenient way to help ensure that your loved ones’ financial protection will continue uninterrupted.

  • Coverage amounts from $25,000 to $200,0001
  • Your approval is guaranteed, if you apply within 60 days of losing your group benefits
  • No medical exam or questions when you apply2
  • Tax-free, lump-sum benefit paid to your beneficiaries

No benefit is payable under the FollowMe™ Life Insurance Plan in the case of suicide within two years of the effective date of the coverage. We will instead return all premiums paid, without interest. Please refer to the Exclusions section in the sample policy for full details.

Benefits will not be paid where death results, directly or indirectly, from a pre-existing condition during the 24-month period following the effective date of the policy. In such cases, total premiums paid will be returned without any interest adjustment. “Pre-existing condition” means any injury, illness or physical condition, whether diagnosed by a physician or not, for which medical treatment was sought, recommended, required or obtained, or for which drugs were prescribed and/or taken within the 24-month period immediately prior to the effective date of coverage. Please refer to the Exclusions section in the sample policy for full details.

This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval. It contains important details concerning exclusions, conditions and limitations. It is important that you read your insurance policy when you get it to understand exactly what you are covered for.

See the sample policy for detailed information on benefits, limitations and exclusions. View FollowMe Life Insurance policy (PDF).

  • Canadian resident aged 18-69
  • Applying within 60 days of your employer group coverage ending
Age4 Male Female
18 to 34 $3.00 $2.75
35 to 39 $3.75 $3.50
40 to 44 $5.00 $4.50
45 to 49 $7.00 $6.25
50 to 54 $10.25 $8.50
55 to 59 $17.75 $12.50
60 to 64 $28.75 $19.00
65 to 69 $50.00 $31.25
 70* $67.50 $42.25
 71* $76.50 $48.25
 72* $86.50 $55.25
 73* $97.25 $63.00
 74* $109.25 $71.00
 75* $123.50 $79.75
 76* $139.25 $89.25
 77* $156.75 $99.75
 78* $175.50 $111.00
 79* $196.25 $123.75

Non-Smokers are those who have not used any form of tobacco or tobacco cessation products in the past 12 months.

Age means the age attained by the applicant (member or spouse) as of the first Premium Due Date.

*For renewals only.

Please note that premiums are renewable every year on a non-guaranteed basis

Age4 Male Female
18 to 34 $5.25 $3.50
35 to 39 $6.50 $5.50
40 to 44 $9.50 $7.25
45 to 49 $15.50 $11.25
50 to 54 $27.50 $17.25
55 to 59 $44.25 $27.25
60 to 64 $71.75 $38.75
65 to 69 $125.00 $62.50
 70* $183.50 $84.75
 71* $199.50 $94.50
 72* $216.25 $105.00
 73* $232.25 $116.50
 74* $248.75 $128.75
 75* $264.00 $141.25
 76* $279.25 $154.25
 77* $294.00 $167.50
 78* $308.50 $181.50
 79* $327.00 $196.50

4 Age means the age attained by the applicant (member or spouse) as of the first Premium Due Date.

*For renewals only.

Please note that premiums are renewable every year on a non-guaranteed basis

Our 30-day guarantee

If, for any reason, the coverage you purchased to help protect you and your loved ones does not satisfy your needs, you may simply request a refund within 30 days of receiving your policy. Any premiums paid for the coverage will be promptly refunded.5

Ready to apply for Term Life Insurance?

If you are losing your group life coverage, FollowMe Life Insurance offers you a simple, affordable way to gain the confidence of knowing that the financial protection you want for your loved ones can continue uninterrupted. Specifically designed to start when your group life insurance coverage stops, it offers you guaranteed acceptance – with no medical exam or medical questions when you apply – if you apply within 60 days of your group coverage ending.

Yes. Unlike group coverage that can change or end as you move from one employer to another or retire, you will have your FollowMe Life Insurance coverage up until age 80 – as long as your premiums are paid.

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or email am_caa@manulife.com.