Engineers Canada insurance plans
Child Life & Accident Insurance
One premium covers all your eligible children for accident and life coverage.
Underwritten by The Manufacturers Life Insurance Company (Manulife).
- $1.17 a month
- covers all your children, per unit
- Up to $500,000
- accident benefit per child
- Up to $25,000
- life coverage per child
Underwritten by Manulife
Key features
What the plan gives you
Accident and life coverage for your children, added to your own Term to Age 85 Life Insurance or Major Accident Protection.
One premium for all your children
$1.17 a month per unit covers every eligible child, however many you have.
Accident benefit up to $500,000
Each unit pays up to $100,000 per child for a major impairment from an accident, to $500,000 with 5 units.
Life coverage up to $25,000
Each unit pays $5,000 per child for death from any cause, to $25,000 with 5 units.
Newborns covered automatically
Once your coverage is in force, a newborn is covered from 15 days old, with no application and no extra cost.
Children up to 25
Unmarried children who depend on you, from 15 days old to under 25 (21 to 24 in full-time study).
Who receives the benefits
The impairment benefit is paid to you. The life benefit goes to your named beneficiary, or your estate if none is named.
Talk to us about this plan
Our advice on the Engineers Canada plans comes at no additional cost.
Book a callOr call 1-800-661-3300
Benefits
What it pays per unit
Half the Major Accident Protection amounts, for each covered child. You can have up to 5 units: 5 units cost $5.85 a month and pay up to $500,000 and $25,000 per child.
| Loss | Per unit |
|---|---|
| Total and permanent paralysis, or loss of use, of two limbs | $100,000 |
| Brain damage | $50,000 |
| Total and permanent loss of sight in both eyes, hearing in both ears, or speech | $50,000 |
| Loss of one hand and one foot | $50,000 |
| Loss of one hand or one foot, and the sight of one eye | $50,000 |
| Loss of use of both hands or both feet | $50,000 |
| Loss of use of one arm or one leg | $37,500 |
| Loss of use of one hand or one foot | $37,500 |
| Total and permanent loss of sight in one eye | $37,500 |
| Loss of the thumb and index finger of the same hand | $25,000 |
| Total and permanent loss of hearing in one ear | $25,000 |
| Loss of four fingers of one hand | $12,500 |
| Loss of all toes on one foot | $6,250 |
- Life benefit: $5,000 per unit for death from any cause.
Who can apply
Eligibility
Who
Canadian residents who are members of an engineering or geoscience regulator (including members in training), a participating technologist or architect association, or an accredited engineering student.
Ages and requirements
You must have Term to Age 85 Life Insurance or Major Accident Protection.
Children over 14 days and under 25, unmarried and dependent on you (21 to 24 must be in full-time study at an accredited college or university).
Newborns are covered automatically from 15 days old once your coverage is in force.
See full eligibility
You can apply if you’re a Canadian resident and:
- A member of the engineering regulators that license the country’s 300,000 members of the profession (including members in training), or an engineering student in a program accredited by the Canadian Engineering Accreditation Board
- A member of the Ontario Society of Professional Engineers or Genium360
- A member of the Association of Professional Geoscientists of Ontario, Geoscientists Nova Scotia or the Ordre des géologues du Québec
- A member of one of the participating provincial associations of professional technicians and technologists
- A member of the Manitoba Association of Architects, the Architects’ Association of New Brunswick, the Nova Scotia Association of Architects or the Architects Association of Prince Edward Island
- A full-time employee of Engineers Canada, one of the engineering regulators or participating organizations, or Youth Science Canada
- A limited licensee or a provincial licensee
Rates
Current monthly premiums
Monthly premium by number of units, for all your children. Rates last checked October 2026. Source: Manulife. Premiums can change.
| Units | Major impairment | Life benefit | Monthly premium |
|---|---|---|---|
| 1 unit | Up to $100,000 | $5,000 | $1.17 |
| 2 units | Up to $200,000 | $10,000 | $2.34 |
| 3 units | Up to $300,000 | $15,000 | $3.51 |
| 4 units | Up to $400,000 | $20,000 | $4.68 |
| 5 units | Up to $500,000 | $25,000 | $5.85 |
- One monthly premium covers all your eligible children, however many you have.
- Provincial sales tax is added to premiums in Manitoba, Ontario and Quebec.
Questions about covering your children? We’ll work it out with you.
Exclusions and limitations
What isn’t covered
Major impairment benefits aren’t paid for an impairment caused by war, declared or not, or insurrection. The life benefit isn’t paid for death by suicide.
When coverage ends
A child’s coverage ends when they no longer qualify. It can’t be converted: the child would need to apply for their own coverage, with health questions.
Common questions
Child Life & Accident FAQ
Are newborns covered?
Yes, once your coverage is in force: a newborn is covered automatically from 15 days old, with no application and no extra cost.
When does a child’s coverage end?
When they no longer qualify: at 25, or earlier if they marry or no longer depend on you, or at 21 if they aren’t in full-time study. It can’t be converted; your child would need to apply for their own coverage, with health questions.
Do I need my own coverage first?
Yes. You must have, or be applying for, Term to Age 85 Life Insurance or Major Accident Protection.
Who receives Engineers Canada child life and accident benefits?
The accident benefit is paid to you. The life benefit goes to the beneficiary you name, or to your estate if you haven’t named one.
Related plans
Often considered together
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.