You must be age 18 to 39 on the date this Application Form is recieved by CDSPI and meet other eligibility criteria to receive coverage. If you are age 40 to 64, you must complete a different application.
Contact CDSPI for details
You must qualify medically to obtain coverage from Manulife. Please answer all questions in Section 2, Declaration of Insurability.
In order to apply for the Optional Graduate Package. You must be enrolled in the Undergraduate Package. If you are not already enrolled in the
Undergraduate Package, CDSPI will automatically enrol you, provided this completed application is received prior to your graduation date.
If your application is approved, coverage will be effective** at graduation or the date the application is approved, if later. You will pay absolutely
no premiums for this coverage up to December 31st of your graduation year. Effective January 1st after your graduation year, you will receive a
50 per cent savings on regular premiums for the Life, AD&D and TripleGuard™* Insurance in the Optional Graduate Package for three calendar
years following graduation and a 15%
savings on regular premium rates for DisabilityGuard™
Insurance for the life of the policy.
premium rates are guaranteed to age 65.
*Life, AD&D, and DisabilityGuard™ insurance are underwritten by The Manufacturers Life Insurance Company (Manulife). TripleGuard™ insurance is underwritten by Aviva Insurance Company of Canada.
**Provided that you are not on claim or satisfying an elimination period.