Changing Coverage

Increasing Coverage

To increase your Portaplan coverage, you must apply for new or additional insurance in the same manner as a new applicant. Medical evidence of insurability is required and your application must be approved by the insurer, Manulife Financial. Your current coverage is not affected.

Any new or additional coverage must be purchased before your 65th birthday.

For detailed instructions, visit Apply for Portaplan.

Decreasing or Cancelling Coverage

If you would like to decrease your coverage or cancel all or a portion of your Portaplan policy, please contact Portaplan. The cancellation or decrease will become effective on the first of the month following receipt of your request.

Reinstatement of Coverage

If insurance terminates due to non-payment of premiums, insurance may be reinstated at any time within 3 years subject to satisfactory evidence of insurability and payment of all unpaid premiums due from the date of termination.