FollowMe^ᵀᴹ Life Insurance: stay covered after your group life insurance ends

With FollowMe^ᵀᴹ Life Insurance, you don’t have to worry about whether or not you can get life insurance at a reasonable price. You can get uninterrupted coverage with no medical questions when you apply within 60 days of the date your group life insurance ends and we receive your first premium.

Choose the amount of life insurance you need – up to the amount you had in your group plan. Get life insurance for your spouse too if he or she was covered by your group plan. You can save substantially on your premiums if you don’t smoke.

FollowMe^ᵀᴹ Life Insurance Important Notice

This is not a contract. Actual terms and conditions are detailed in the FollowMe^ᵀᴹ Life Insurance policy Manulife issues after approving your application. This policy may differ from your current/former group life policy and contains important details concerning exclusions, conditions and limitations, including a 2-year pre-existing condition limitation. Please review it carefully when you receive it.

When premiums will go up

We base premiums on your age, primarily in five-year age bands (35 to 39, 40 to 44, etc.) until age 70, after which premiums increase annually. As you move into the next age band, your premium will increase. Premium rates are not guaranteed and could change on any policy anniversary date.

Limitations and exclusions

Benefits will not be paid if death results from suicide or, directly or indirectly, from a pre-existing condition within two years of the effective date of the policy. In either of these cases, we return all premiums paid without any interest adjustment. A 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 two years leading up to the effective date of the policy.