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 |
Premiums quoted are subject to sales tax (if applicable).
3 Non-Smokers are those who have not used any form of tobacco or tobacco cessation products in the past 12 months.
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
| 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 |
Premiums quoted are subject to sales tax (if applicable).
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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* Life Insurance Plans are not intended to –and will not – provide the exact same coverage that you may have had under your group or existing life insurance plan.
1 The maximum coverage amount per policy is the lesser of the amount that is lost under the group coverage within the past 60 days, and $200,000.
2 The only health-related question you will need to answer is whether or not you are a smoker, which is used to determine your premium.
5 The insured may, within thirty (30) days after receiving this policy, return it to the address below for cancellation. The policy will be considered never to have come into effect and any premium paid up to the end of the 30-day examination period will be refunded, less any claims paid. Where claims paid exceed premiums, the difference must be repaid to the insurer immediately. This right of cancellation expires thirty (30) days after the policy is received by the insured and does not apply to any reissued, substituted or consolidated policy continuing coverage that commenced under a previously issued policy. The rights of any beneficiary under the policy are subject to this right of cancellation.