Engineers Canada insurance plans
Term to Age 85 Life Insurance
Protects the people who depend on you if you die prematurely, with coverage you can keep renewing to age 85.
Underwritten by The Manufacturers Life Insurance Company (Manulife).
- Up to $1.5 million
- each, for you and your spouseeach, you and spouse
- Renew to 85
- with no new medical testsno new medical tests
- Apply up to 70
- or 75 if you’re already insured75 if already insured
Underwritten by Manulife
Key features
What the plan gives you
Temporary coverage that pays a one-time, tax-free cash benefit to your chosen beneficiaries when you die.
Coverage up to $1.5 million
You and your spouse can each apply for $25,000 to $1,500,000, in $25,000 units.
Renewable to age 85
Keep renewing without new medical tests, however your health changes.
Living benefit
If you’re diagnosed as terminally ill before 83, with less than 12 months to live, you can receive up to 50% of your coverage, to a maximum of $200,000. Included at no extra cost once your plan has been in effect for two years.
Job loss waiver of premium
If you’re unemployed before 65 for 30 consecutive days through layoff, dismissal without cause or loss of self-employment, your coverage continues free for up to 12 months.
Not tied to your employer
Most workplace plans end when you leave. This stays with you when you change jobs, retire or move anywhere in the world.
Volume savings
10% off premiums for $500,000 to $975,000 of coverage, and 15% off for $1 million or more.
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
Coverage over time
From your first licence to age 85 and beyond
- Age 18Apply as a member or student. Coverage renews every year.
- Age 70Last age to apply (75 if already insured).
- Before 83Living benefit available.
- Age 85Term coverage ends. With the optional ICB, premium-free permanent coverage begins for life.
The Insurance Continuation Benefit (ICB), an optional add-on
For a small additional premium that stays level until 85, each $25,000 unit of term coverage becomes $2,500 of premium-free permanent life insurance at 85. That’s up to $150,000 of permanent coverage for the rest of your life.
Term premiums rise as you move into each age band. Changes take effect on the April 1 after your birthday.
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
Under 71 to apply, or up to 75 if you’re already insured under this plan. You can also cover your spouse if you’re applying or already insured.
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
- You can apply for your spouse if you’re applying for this plan too, or you’re already insured under it.
- To add the Insurance Continuation Benefit for your spouse, you need at least one unit of it yourself.
- If you’re increasing coverage you already have, you don’t need to meet the membership requirements again.
Rates
Current monthly premiums
Monthly premium per $25,000 unit. Rates last checked October 2026. Source: Manulife. Premiums can change.
Non-smoker rates
| Age | Male | Female |
|---|---|---|
| 18 to 30 | $0.96 | $0.71 |
| 31 to 35 | $1.01 | $0.78 |
| 36 to 40 | $1.40 | $1.04 |
| 41 to 45 | $2.18 | $1.37 |
| 46 to 50 | $4.02 | $2.77 |
| 51 to 55 | $6.14 | $4.30 |
| 56 to 60 | $8.36 | $5.77 |
| 61 to 65 | $11.17 | $7.33 |
| 66 to 70 | $15.96 | $10.37 |
| 71 to 75 | $39.50 | $26.13 |
| 76 to 80 | $97.76 | $63.64 |
| 81 to 84 | $186.13 | $121.89 |
- Non-smoker rates apply if you haven’t smoked cigarettes in the past 12 months. Once insured, tell Manulife if your smoking status changes.
- Age is your age on the April 1 policy anniversary. Premiums rise as you enter each age band.
- From 71, these rates apply only if you’re already insured: adding coverage (to 75) or renewing (to 84). Coverage ends at 85.
- Volume savings: 10% off for $500,000 to $975,000 of coverage, and 15% off for $1 million or more, per person.
- Provincial sales tax is added to premiums in Manitoba, Ontario and Quebec.
Smoker rates
| Age | Male | Female |
|---|---|---|
| 18 to 30 | $2.06 | $1.26 |
| 31 to 35 | $2.41 | $1.51 |
| 36 to 40 | $3.19 | $2.19 |
| 41 to 45 | $4.91 | $3.51 |
| 46 to 50 | $7.76 | $5.12 |
| 51 to 55 | $12.93 | $7.24 |
| 56 to 60 | $19.33 | $11.60 |
| 61 to 65 | $28.53 | $16.91 |
| 66 to 70 | $40.70 | $23.94 |
| 71 to 75 | $95.76 | $59.65 |
| 76 to 80 | $191.32 | $123.69 |
| 81 to 84 | $315.21 | $212.67 |
- Age is your age on the April 1 policy anniversary. Premiums rise as you enter each age band.
- From 71, these rates apply only if you’re already insured: adding coverage (to 75) or renewing (to 84). Coverage ends at 85.
- Volume savings: 10% off for $500,000 to $975,000 of coverage, and 15% off for $1 million or more, per person.
- Provincial sales tax is added to premiums in Manitoba, Ontario and Quebec.
Insurance Continuation Benefit rates
| Age when you add it | Monthly premium until 85 |
|---|---|
| 18 to 30 | $0.10 |
| 31 to 35 | $0.16 |
| 36 to 40 | $0.24 |
| 41 to 45 | $0.36 |
| 46 to 50 | $0.56 |
| 51 to 55 | $0.89 |
| 56 to 60 | $1.44 |
| 61 to 65 | $2.41 |
| 66 to 70 | $4.33 |
| 71 to 75 | $8.50 |
- ICB premiums don’t rise with age: you pay the rate for your age when you add it, until 85. Then premiums stop and the coverage continues for life.
- From 71, available only if you’re already insured. Not available from 76.
- Provincial sales tax is added to premiums in Manitoba, Ontario and Quebec.
Want the premium for your exact age and amount? We’ll work it out with you.
Exclusions and limitations
Suicide
Suicide within two years of the effective date of your coverage, a reinstatement or an increase isn’t covered. Manulife pays the beneficiary the premiums paid for that coverage instead.
When coverage ends
Term coverage ends at 85. If you chose the Insurance Continuation Benefit, your premium-free permanent coverage starts then and continues for life.
Add-ons
Optional protection
Choosing a term
Term 20 or Term to Age 85?
Both are Engineers Canada plans with the same eligibility. They suit different needs.
| Term 20 | Term to Age 85 (this plan) | |
|---|---|---|
| How long it lasts | 20-year terms, renewing to 90 | Renewable each year to 85 |
| How premiums change | Fixed for 20 years, then reset at renewal | Rise with each age band |
| Most coverage | $2 million | $1.5 million |
| Premium waivers | None | If you’re disabled, or out of work for 30 days |
| At the end | Coverage ends at 90 | Optional paid-up coverage for life |
| Who can apply | Same eligibility | Same eligibility |
| Application | Its own application | Term Life & Major Accident application |
Common questions
Term to Age 85 FAQ
What happens to my spouse’s coverage if I die?
Your spouse can keep their coverage. It continues from the premium due date after your death, as long as your spouse keeps paying the premiums, and the ownership of the coverage passes to them. Any spouse Major Accident Protection and Child Life & Accident Insurance continues the same way. Or, within 31 days of that premium due date, your spouse can convert the coverage to an individual policy without evidence of insurability.
Can I convert my Term to Age 85 coverage to an individual policy?
Yes, if your coverage ends on or before age 75. Apply in writing and pay the first premium within 31 days of the date it ended, and you won’t need evidence of insurability. Up to 65, you can convert to whole life or to term insurance to age 65; from 66 to 75, to whole life only, up to $200,000.
Related plans
Often considered together
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