Manulife

Products & Services

• Manulife Family Term Life Insurance

  Manulife Family Term Life Insurance is a term life insurance solution designed to provide affordable financial protection for individuals, families, and business owners. It offers flexible coverage options that can adapt to changing financial needs while helping protect loved ones from the financial impact of an unexpected death. One of its most valuable features is the ability to insure two or more people under one policy with premium savings, while also offering guaranteed conversion to eligible permanent life insurance without additional medical underwriting. Coverage amounts range from $100,000 to $20 million, with level premium options for 10 years, 20 years, to age 65, or for life. Eligible policies also include Manulife Vitality Go™ at no additional cost, with the option to upgrade to Vitality Plus™. Coverage, riders, eligibility, renewability, and conversion privileges are subject to the policy's terms and conditions.

• Manulife Par Whole Life Insurance

  Manulife Par Whole Life Insurance is a participating whole life insurance policy that provides lifelong protection while building guaranteed cash value over time. In addition to guaranteed premiums and a guaranteed death benefit, eligible policies may receive annual dividends that can increase both the policy's value and insurance coverage, although dividends are not guaranteed. One of its most valuable features is the combination of guaranteed lifetime protection, immediate cash value growth, and the potential to earn participating dividends, making it a versatile solution for estate planning, wealth transfer, and long-term financial security. Clients can choose from multiple premium payment options, and eligible policies include Manulife Vitality Go™ with the option to upgrade to Vitality Plus™. Coverage, dividends, riders, and policy benefits are subject to the terms and conditions of the insurance contract.

• Manulife Universal Life Insurance

  Manulife UL is a universal life insurance policy that combines lifelong insurance protection with tax-advantaged investment opportunities inside the policy. It offers flexible premium payments and a variety of investment account options, allowing policyowners to customize their insurance and savings strategy based on their financial goals. One of its most valuable features is the flexibility to adjust premiums, death benefit options, and investment allocations while building tax-advantaged cash value that can support long-term wealth accumulation and estate planning. Clients can select from a wide range of investment accounts and choose the coverage option that best suits their needs. Eligible policies also include Manulife Vitality Go™, with the option to upgrade to Vitality Plus™. All policy values, investment performance, coverage, and benefits are subject to the policy's terms, conditions, limitations, and applicable tax legislation.

• Guaranteed Issue Life Insurance

  Manulife Guaranteed Issue Life is a permanent life insurance policy designed for individuals who may not qualify for traditionally underwritten life insurance. The policy provides lifelong coverage with no medical exams and no health questions, making the application process simple and accessible. One of its most valuable features is guaranteed acceptance for eligible Canadian residents while providing fixed lifetime premiums and access to Manulife Vitality Go™ at no additional cost. Coverage is available from $10,000 to $100,000 for applicants aged 18 to 70, and from $10,000 to $50,000 for applicants aged 71 to 75. The policy may also include a terminal illness cash advance benefit and is subject to a limited benefit period during the first two policy years, as outlined in the policy contract.

• Lifecheque® Critical Illness Insurance

  Lifecheque® Critical Illness Insurance is a critical illness insurance product that provides a tax-free lump-sum benefit if the insured person is diagnosed with a covered critical illness and survives the required survival period. The benefit can be used for any purpose, including replacing lost income, paying medical expenses not covered by provincial health plans, modifying a home, reducing debt, or supporting family members during recovery. One of its most valuable features is comprehensive coverage for up to 25 covered conditions, combined with optional Return of Premium benefits that can refund eligible premiums if the policy is cancelled, expires, or the insured dies without making a claim, depending on the selected rider. Coverage amounts, riders, eligibility, exclusions, and policy benefits are subject to the terms and conditions of the insurance contract.

• Lifecheque® Basic Critical Illness Insurance

  Lifecheque® Basic Critical Illness Insurance is a critical illness insurance policy designed to provide affordable protection against Canada's most common serious illnesses. If the insured is diagnosed with a covered condition and satisfies the applicable survival period, the policy pays a tax-free lump-sum benefit that can be used for any purpose, including replacing lost income, paying medical expenses, reducing debt, or supporting recovery. One of its most valuable features is focused coverage for the four most common critical illnesses at a lower premium than comprehensive critical illness plans, making it an accessible solution for individuals seeking essential financial protection. Coverage amounts, eligibility requirements, exclusions, and optional riders are subject to the terms and conditions of the insurance contract.

• Synergy® Combined Insurance

  Synergy® Combined Insurance is a combined life insurance and critical illness insurance solution that provides financial protection under a single policy. It pays a tax-free lump-sum benefit if the insured is diagnosed with a covered critical illness and survives the required survival period. If no critical illness benefit is paid, the policy provides a tax-free death benefit to the beneficiary upon the insured's death. One of its most valuable features is combining two essential protections in one policy while offering a Return of Premium on Death feature, allowing beneficiaries to receive both the life insurance benefit and eligible premiums paid if no critical illness claim has been made. Coverage amounts, optional riders, eligibility, and policy benefits are subject to the terms and conditions of the insurance contract.

• Personal Accident Insurance

  Personal Accident Insurance is an accident insurance policy that provides a tax-free lump-sum benefit if the insured suffers a covered accidental injury, dismemberment, paralysis, or accidental death. The benefit can help offset the financial impact of unexpected accidents by covering medical expenses, rehabilitation costs, income replacement, home modifications, or other personal needs. One of its most valuable features is providing financial protection regardless of other insurance coverage, with benefits paid directly to the insured or beneficiaries following a covered accidental event. Coverage is available for individuals and families, with optional plans designed to meet different protection needs. Benefits, eligibility, exclusions, and coverage limits are subject to the terms and conditions of the insurance contract.

• Guaranteed Issue Enhanced Health and dental

  Guaranteed Issue Enhanced Health & Dental Insurance is an individual health and dental insurance plan designed for Canadians who want immediate access to supplemental healthcare coverage without answering medical questions. The plan helps cover eligible healthcare expenses not paid by provincial health insurance, including prescription drugs, dental care, vision care, paramedical services, ambulance services, and emergency travel medical coverage. One of its most valuable features is guaranteed acceptance for eligible applicants, allowing individuals to obtain comprehensive health and dental coverage without medical underwriting. The plan is particularly suitable for people who are losing employer-sponsored benefits or who want additional healthcare protection. Coverage, reimbursement levels, waiting periods, exclusions, and benefit limits are subject to the terms and conditions of the policy.

• FollowMe™ Health & Dental Insurance

  FollowMe™ Health & Dental Insurance is an individual health and dental insurance plan designed for Canadians who are leaving an employer-sponsored group benefits plan and want to continue their health coverage without interruption. Eligible applicants can apply without answering medical questions if they enroll within the required time after their group benefits end. The plan helps cover eligible healthcare expenses such as prescription drugs, dental care, vision care, paramedical services, emergency travel medical coverage, and medical supplies. One of its most valuable features is the ability to continue health and dental coverage without medical underwriting when transitioning from a group benefits plan, helping reduce gaps in protection. Coverage options, reimbursement levels, waiting periods, and exclusions are subject to the selected plan and the policy's terms and conditions.

• Association Health & Dental Plans

  Association Health & Dental Plans are group-sponsored individual health and dental insurance plans offered through participating professional associations, alumni organizations, and member groups. These plans help eligible members cover healthcare expenses that are not fully paid by provincial health insurance, including prescription drugs, dental care, vision care, paramedical services, emergency travel medical coverage, and other eligible medical expenses. One of their most valuable features is providing association members with access to preferred coverage options and competitive group-based rates that may not be available through standard individual plans. Available benefits, reimbursement levels, eligibility requirements, and coverage options vary depending on the participating association and the selected plan. All benefits are subject to the policy's terms and conditions.

• Flexcare® Health & Dental Insurance

  Flexcare® Health & Dental Insurance is an individual health and dental insurance plan designed for Canadians seeking flexible supplemental healthcare coverage beyond their provincial health insurance. It offers several plan levels, allowing individuals and families to choose coverage that fits their healthcare needs and budget. Eligible expenses may include prescription drugs, dental care, vision care, paramedical services, emergency travel medical coverage, hospital accommodation, and medical supplies. One of its most valuable features is the flexibility to select from multiple plan options with varying benefit levels, making it suitable for people who are self-employed, retired, between jobs, or simply looking to enhance their existing healthcare coverage. Coverage, reimbursement percentages, waiting periods, benefit limits, and exclusions vary by plan and are subject to the terms and conditions of the policy.

• Travelling Canadians Travel Insurance

  Travelling Canadians Travel Insurance is a travel insurance solution designed to help Canadian residents protect themselves against unexpected medical emergencies and travel-related expenses while travelling outside their home province or outside Canada. Depending on the selected plan, coverage may include emergency medical care, hospitalization, physician services, ambulance transportation, prescription drugs, emergency dental treatment, trip interruption, and other eligible travel expenses. One of its most valuable features is providing comprehensive emergency medical protection worldwide, allowing travellers to focus on their trip with greater financial confidence. Single-trip and multi-trip annual plans are available to accommodate different travel needs. Coverage limits, eligibility, exclusions, pre-existing condition provisions, and policy benefits vary by plan and are subject to the terms and conditions of the insurance contract.

• Visitors to Canada Travel Insurance

  Visitors to Canada Travel Insurance is an emergency medical travel insurance plan designed for visitors, tourists, new immigrants, returning Canadians, and Super Visa applicants while they are in Canada. The policy helps protect against the high cost of unexpected medical emergencies by covering eligible expenses such as hospitalization, physician services, emergency surgery, ambulance transportation, diagnostic tests, prescription drugs, and emergency dental treatment. One of its most valuable features is providing flexible emergency medical coverage with benefit options of up to $500,000, helping visitors meet Super Visa insurance requirements while protecting them from significant healthcare costs during their stay in Canada. Coverage options, eligibility, waiting periods, exclusions, and pre-existing medical condition provisions vary by plan and are subject to the terms and conditions of the insurance contract.

• Student Travel Insurance

  Student Travel Insurance is an emergency medical travel insurance plan designed for international students studying in Canada and Canadian students studying abroad. It helps protect students against the financial impact of unexpected medical emergencies during their studies by covering eligible healthcare expenses such as hospitalization, physician services, emergency surgery, ambulance transportation, diagnostic tests, prescription drugs, and emergency dental treatment. One of its most valuable features is comprehensive medical coverage tailored to the unique needs of students, with flexible policy durations that match academic programs and study periods. Depending on the selected plan, additional travel-related benefits and 24/7 emergency assistance services may also be included. Coverage, eligibility, exclusions, pre-existing condition provisions, and benefit limits are subject to the terms and conditions of the insurance policy.

• Mortgage Protection Plan

  Mortgage Protection Plan is a credit protection insurance solution designed to help eligible homeowners protect their mortgage payments against unexpected life events. Depending on the coverage selected, the plan can provide benefits if the insured dies, is diagnosed with a covered critical illness, or becomes disabled and is unable to work. These benefits help reduce or pay off eligible mortgage obligations, easing the financial burden on homeowners and their families during difficult times. One of its most valuable features is combining life, critical illness, and disability protection into a single mortgage-focused solution that helps safeguard a family's home and financial stability. Eligibility, available coverages, benefit amounts, exclusions, waiting periods, and policy provisions vary and are subject to the terms and conditions of the insurance contract.

• Guaranteed Interest Accounts (GIAs)

  Guaranteed Interest Accounts (GIAs) are guaranteed investment products designed to provide investors with a secure way to grow their savings while preserving their original capital. Funds are invested for a selected term and earn a guaranteed rate of interest, offering predictable returns without exposure to market fluctuations. GIAs can be used within registered and non-registered investment accounts, making them suitable for investors seeking stability, capital preservation, and dependable income. One of their most valuable features is the guarantee of both the principal investment and the interest rate for the selected term, helping investors reduce market risk while achieving predictable growth. Interest rates, available terms, redemption options, and eligibility vary depending on the selected product and are subject to the applicable contract terms.

• Travel80® Term Travel Insurance

  Travel80® Term Travel Insurance is an emergency medical travel insurance plan designed for Canadian residents aged 60 to 79 who travel outside their home province or outside Canada. It helps protect travellers from the potentially high cost of unexpected medical emergencies by covering eligible expenses such as hospitalization, physician services, emergency transportation, prescription drugs, diagnostic tests, and emergency dental treatment. One of its most valuable features is providing affordable emergency medical coverage specifically tailored to older travellers through fixed-term plans that can be selected based on the length of each trip. Coverage options, eligibility, benefit limits, deductibles, pre-existing medical condition provisions, and exclusions vary depending on the selected policy and are subject to the terms and conditions of the insurance contract.

• Segregated Funds

  Segregated Fund Contracts are insurance-based investment products that combine the growth potential of professionally managed investment funds with valuable insurance guarantees. These contracts allow investors to participate in the performance of underlying investment funds while providing guarantees on a portion of the invested capital at maturity or upon death, subject to the terms of the contract. Additional features may include estate planning advantages, the ability to name beneficiaries directly, and potential protection from creditors in certain situations. One of their most valuable features is the combination of market growth opportunities with maturity and death benefit guarantees, helping investors pursue long-term growth while reducing investment risk. Guarantees, fees, investment options, resets, and contract provisions vary by product and are subject to the terms and conditions of the applicable insurance contract.

• First Home Savings Account (FHSA)

  The First Home Savings Account (FHSA) is a registered savings and investment account designed to help eligible Canadians save for the purchase of their first home. It combines key advantages of both an RRSP and a TFSA: eligible contributions are generally tax-deductible, while qualifying withdrawals used to purchase a first home are typically tax-free. Investors can hold a variety of qualified investments within the account, allowing their savings to grow on a tax-advantaged basis. One of its most valuable features is the combination of tax-deductible contributions and tax-free qualifying withdrawals, making it one of the most tax-efficient ways to save for a first home. Annual and lifetime contribution limits, eligibility requirements, qualifying withdrawals, and investment rules are governed by the Canada Revenue Agency (CRA) and applicable legislation.

• Tax-Free Savings Account (TFSA)

  The Tax-Free Savings Account (TFSA) is a registered savings and investment account that allows Canadian residents aged 18 or older (or the age of majority in their province or territory) to grow their investments on a tax-free basis. Investment income earned within the account—including interest, dividends, and capital gains—is generally not subject to Canadian income tax while it remains in the plan, and eligible withdrawals are typically tax-free. A TFSA can hold a variety of qualified investments, helping individuals save for both short- and long-term financial goals. One of its most valuable features is the ability to withdraw funds tax-free while restoring contribution room in a future calendar year, providing exceptional flexibility for saving and investing. Annual contribution limits, eligibility, and qualified investments are governed by the Canada Revenue Agency (CRA) and applicable legislation.

• Registered Retirement Savings Plan (RRSP)

  The Registered Retirement Savings Plan (RRSP) is a registered retirement savings and investment account designed to help Canadians build long-term wealth for retirement while benefiting from valuable tax advantages. Eligible contributions are generally tax-deductible, which may reduce taxable income in the year they are made. Investments held within the account grow on a tax-deferred basis until funds are withdrawn, typically during retirement. An RRSP can hold a wide range of qualified investments, allowing investors to tailor their portfolio to their financial goals and risk tolerance. One of its most valuable features is the combination of tax-deductible contributions and tax-deferred investment growth, helping Canadians accumulate retirement savings more efficiently. Contribution limits, eligibility, withdrawals, and investment rules are governed by the Canada Revenue Agency (CRA) and applicable legislation.

• Locked-in Retirement Account (LIRA)

  The Locked-in Retirement Account (LIRA) is a registered retirement investment account designed to hold pension funds transferred from an eligible registered pension plan when an individual leaves an employer. Unlike a standard RRSP, funds in a LIRA are generally locked in under federal or provincial pension legislation and are intended to provide retirement income rather than immediate access to savings. A LIRA can hold a wide range of qualified investments, allowing retirement assets to continue growing on a tax-deferred basis until they are converted to an eligible retirement income vehicle, such as a Life Income Fund (LIF) or used to purchase an annuity, as permitted by applicable legislation. One of its most valuable features is the ability to preserve pension savings while maintaining tax-deferred investment growth and continued access to diversified investment options. Eligibility, transfer rules, withdrawal restrictions, and unlocking provisions vary by jurisdiction and are subject to applicable pension legislation and CRA requirements.

• Life Income Fund (LIF)

  The Life Income Fund (LIF) is a registered retirement income account designed to provide retirement income from pension assets transferred from a Locked-in Retirement Account (LIRA) or other eligible locked-in pension plans. Investments within the account continue to grow on a tax-deferred basis while the account holder receives income during retirement. Unlike a RRIF, a LIF is governed by federal or provincial pension legislation, which generally establishes both minimum and maximum annual withdrawal limits. One of its most valuable features is the ability to generate flexible retirement income while preserving the tax-deferred status of pension assets within legislated withdrawal limits. Eligible investments, withdrawal rules, conversion requirements, and other account features vary by jurisdiction and are subject to applicable pension legislation, CRA rules, and the terms of the financial institution.

• Registered Education Savings Plan (RESP)

  The Registered Education Savings Plan (RESP) is a registered education savings and investment account designed to help families save for a child's post-secondary education. Contributions are not tax-deductible; however, investment earnings grow on a tax-deferred basis while funds remain in the plan. Eligible beneficiaries may also qualify for government education savings incentives, such as the Canada Education Savings Grant (CESG), subject to program rules. A wide range of qualified investments can be held within an RESP, allowing savings to grow over time. One of its most valuable features is the opportunity to combine tax-deferred investment growth with government education savings grants, helping families build education savings more efficiently. Contribution limits, government incentives, withdrawals, and eligibility are governed by the Canada Revenue Agency (CRA) and applicable federal and provincial legislation.

• Registered Retirement Income Fund (RRIF)

  The Registered Retirement Income Fund (RRIF) is a registered retirement income account designed to provide Canadians with a flexible source of retirement income while allowing their remaining investments to continue growing on a tax-deferred basis. A RRIF is typically established by converting a Registered Retirement Savings Plan (RRSP) or transferring eligible registered retirement assets. Unlike an RRSP, contributions cannot be made to a RRIF, and account holders must withdraw at least the minimum amount required each year under Canada Revenue Agency (CRA) rules. One of its most valuable features is the ability to generate regular retirement income while keeping the remaining investments growing on a tax-deferred basis for as long as they remain in the account. Withdrawal rules, investment options, taxation, and eligibility are subject to CRA regulations and the terms of the financial institution.

• Non-Registered Investments

  Non-Registered Investments are investment accounts that are not registered under the Income Tax Act and therefore are not subject to the contribution limits or withdrawal restrictions that apply to registered plans such as RRSPs or TFSAs. These accounts offer investors maximum flexibility to save and invest for any financial goal while providing access to a broad range of investment options. Investment income—including interest, dividends, and capital gains—is generally taxable according to applicable tax rules. One of their most valuable features is the unlimited contribution capacity, allowing investors to continue building wealth even after maximizing their registered account contribution room. Tax treatment, investment options, and account features vary depending on the selected investments and applicable legislation.

• Annuities

  Annuities are insurance-based income products designed to provide a predictable stream of income, either for a fixed period or for the lifetime of the annuitant. In exchange for a lump-sum investment or a series of contributions, an annuity provides guaranteed payments that can help support retirement income and long-term financial security. Depending on the selected product, income payments may begin immediately or at a future date. One of their most valuable features is the ability to convert accumulated savings into guaranteed income that can last for life, helping reduce the risk of outliving retirement assets. Payment options, guarantee periods, beneficiary provisions, and other contract features vary depending on the selected annuity and are subject to the terms and conditions of the insurance contract.

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