Applicants must be a member of the Canadian Armed Forces community (serving, retired or released), their spouse and adult children. All applicants must be from 18 to 70 years old and a Canadian resident at time of application.

No medical tests are normally required at the time of application. If the applicant is age 64 and under and can answer "no" to the medical questions, they may not have to undergo a paramedical / medical tests at the time of application.

If you’re between the age of 18 and 60 years old you can choose this premium payment option allowing you to complete your premiums payments in the first 20 years. If purchased early on, it can help you avoid paying premiums during your retirement. Review the associated premium rate charts above for this payment option.

Members of the Canadian Armed Forces (serving, retired or released) and their spouses and adult children can apply by contacting their SISIP Advisor, or, alternately, fill in the application available on this website and send through to Manulife directly.

A beneficiary is the person (or people), trust or institution that you designate as the recipient of your coverage amount. In Quebec, a beneficiary designation in favour of a spouse is irrevocable unless otherwise stated.

Your coverage will start on the date we receive your completed application, provided that:

  • You are a resident of Canada and meet the age requirements
  • You are insurable on that date in accordance with our underwriting rules; and the first premium due is paid

When reviewing your application, if we find that you do not qualify for this coverage, we will notify you immediately and refund any premium paid.

If you are considering replacing an existing individual term or permanent insurance policy, we recommend that you speak to a SISIP Advisor to help you compare the features of both plans so that you can decide which one best meets your needs.

A death benefit is the amount paid to your beneficiary if you die while your life insurance plan is in effect. A living benefit is the amount paid to you when you meet certain conditions. For example, you may receive part of your life Insurance death benefit while you are alive if you are diagnosed with a terminal illness with less than 12 months to live.