This summary breaks down the decreases that Manulife Financial made to its critical illness insurance product Lifecheque on January 26.

Here is the company’s summary by category of the average rate changes, shown as a percentage.

Base + ROPD + ROPS with age bands




























Age Band20-34 years35-49 years50+ years
15Pay-16%-5%-5%
T75-6%-3%+1%
T100-7%-7%+1%

ROPS only Term 75/100














 Term 75Term 100
ROPS Rider-7%-16%

ROPS only Term 75/100 with age bands






















Age Band20-34 years35-49 years50+ years
T75 ROPS Rider-16%-10%+2%
T100 ROPS Rider-14%-21%-6%

Source: Manulife