Why choose CoverMe Guaranteed Issue Life insurance? It's the insurance plan that gives you added protection and peace-of-mind!

Choice for You

Different people have different needs. With CoverMe Guaranteed Issue Life insurance, you can choose the coverage amount that is right for you, from $5,000 to $20,000.

Acceptance is guaranteed* -- no medical exam at the time of application or health questions asked.

The CoverMe Guaranteed Issue Life insurance plan does not require medical underwriting. If you are a Canadian resident between the ages of 40 and 75, your acceptance is guaranteed.

Premiums will not increase - guaranteed.

Your premiums will never go up for as long as you're covered, guaranteed.

It's easy to budget for

CoverMe Guaranteed Issue Life offers low premiums that are easy to budget for, now and in the future, since the premiums will never increase as long as you are covered.

Non-smokers enjoy up to 20% lower premiums

Non-smokers enjoy up to 20% savings on their premiums compared to smokers. If you apply as a smoker, you can still apply to switch to the lower non-smoker premiums once you've quit smoking for at least 12 months.

Coverage will not decrease - guaranteed.

Regardless of any further changes in your health, your coverage will not decrease, nor will it be cancelled, as long as your premiums are paid.

Five times the coverage amount in case of accidental death before 85

If you should die as the result of an accident (as defined in your policy) before age 85, and your policy has been in effect for two years, CoverMe Guaranteed Issue Life will pay your beneficiary five times your coverage amount.

Living Benefit

The CoverMe Guaranteed Issue Life Living Benefit helps you when you need it most. It pays you a compassionate one-time cash advance of up to 50% of your life insurance coverage if you are diagnosed as terminally ill with 12 months or less to live.¹

Choice for your Beneficiary

With CoverMe Guaranteed Issue Life insurance, your beneficiary isn't taxed on the benefit amount. And they can use it however they wish.

Flexible payment options

Choose the payment method that suits you best: cheque, Visa, MasterCard, American Express or direct monthly withdrawal from your chequing account by Pre-Authorized Collection.

Convenience

Apply in the comfort of your home, when it's convenient for you.

Rewards

When you pay your premiums monthly, you have the opportunity to collect AIR MILES® reward miles every year as a Guaranteed Issue Life policyholder.

30-Day satisfaction guaranteed

We feel it's important for you to be absolutely satisfied that this is the right policy for you and your family, and back it up with a 30-day money-back guarantee. Once you receive your CoverMe Guaranteed Issue Life insurance policy, review it carefully. If you are not completely satisfied, you may return your policy to Manulife Financial within 30 days of the issue date to have your coverage cancelled, and your entire premium will be promptly refunded. No questions asked.

From a company you can trust

The CoverMe Guaranteed Issue Life insurance plan is offered through Manulife Financial (The Manufacturers Life Insurance Company), one of Canada's oldest and largest insurance providers. We've been earning the trust of Canadians for more than 120 years; we look forward to earning yours.

*Acceptance guaranteed on receipt of initial premium payment.

¹To be eligible for the CoverMe Guaranteed Issue Life Living Benefit, your policy must be in effect for at least two years.