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Our insurance products
From final expenses to securing family or business income to building a legacy, life insurance helps you create a well-rounded financial plan for your clients.
Term life products
Manulife Term offers affordable rates, modest coverage options and flexible features to meet all your individual and business clients’ temporary protection needs.
As a cost-effective option, your clients can
benefit from:
- Income replacement
- Mortgage and debt protection
- Business continuity
- Access to Manulife Vitality rewards
Whole life products
Manulife Whole Life offers lifelong protection, with a range of innovative and trusted options to meet your clients’ evolving needs.
Depending on the plan, your clients can
benefit from:
- a range of coverage and premium durations
- guaranteed insurance costs and premiums
- wealth accumulation for tax deferrals
- optimized retirement and estate planning
- charitable gifting
- Access to Manulife Vitality rewards and benefits
Universal life products
When your clients are looking for lifelong protection, with flexible, tax- preferred investment options, our Universal Life products have them covered.
Depending on the product, your clients can expect:
- Full- featured and flexible protection
- A wide range of investment account options
- Competitive rates
- Wealth accumulation for estate planning
- Access to Manulife Vitality rewards and benefits at no cost
An unexpected injury or illness can have an impact on your client’s lifestyle and finances. But with the right protection, your clients can focus on recovery without having to worry about protecting their finances.
Choose from our broad range of living benefits protection options to help meet your clients’ needs now, and years down the road.
And you can count on access to innovative tools and expertise to help make buying and selling insurance easier, always.
Critical illness
Manulife’s critical illness plans offer protection that helps cover your client’s lifestyle and finances, so they can focus on recovery.
The benefits from critical illness insurance can help:
- Fund health care or treatment
- Cover household and family expense
- Protect retirement savings
- Manage business expenses
Personal Accident Disability Insurance
Personal Accident Disability Insurance is a portfolio of guaranteed renewable products that help you ‘build’ accident and sickness protection coverage best suited for your client’s individual needs.
Synergy
A life insurance policy, a disability insurance policy and a critical illness insurance policy all rolled into one easy-to-manage and affordable solution. With three key insurance needs covered, combination insurance can help:
- Manage mortgage and debt protection
- Supplement gaps in group plans
- Protect non-income-earning parents and spouses
Costs for health-related services can add up quickly, whether your client is filling a prescription, visiting the dentist or getting new glasses. Health insurance helps your clients manage routine and unexpected costs, protecting their budget and lifestyle. Now, imagine a health insurance plan that doesn’t just help protect against the unexpected but can also help prevent future health issues to help your clients live their healthiest life.
Available on Flexcare® and FollowMeTM health and dental plans, Manulife Vitality gives your clients control over their coverage, lets them earn rewards, and save on premiums, all while improving their health.
Health and dental plans
Well, it’s not just a clever name. Flexcare health and dental plans provide your clients with the flexibility to select a plan that suits them best. With seven core plans to choose from, and several Add-Ons to enhance certain benefits, Flexcare can provide your clients with the coverage they need.
Who it's for
Anyone. Regardless of age, Flexcare can be customized to your clients’ preferences. Some plans offer prescription drugs, others offer dental coverage, and some offer a combination of both for those looking for the utmost protection.
ComboPlus™
DentalPlus™
DrugsPlus™
FollowMe™ Health is designed to offer your clients comprehensive health and dental coverage for them and their family when their group coverage ends.
As long as clients apply within 90 days of their group health benefits ending, their acceptance is guaranteed upon receipt of premium payment – without a medical questionnaire or exam! (Applications submitted after the 90-day period will require full medical underwriting.)
Who it’s for
- Retirees
- Individuals in between jobs
- Clients looking for a robust health plan
FollowMe
Individuals, couples and families who are looking for comprehensive coverage and:
- Are looking for a higher prescription drug benefit limit ($2,500 in paid expenses)
- Want an easy application/prefer not to answer medical questions
- May have pre-existing medical conditions or have been denied health coverage
- Are seeking out Lifestyle* drug coverage as part of their plan
- Are looking for a supplemental plan but don't currently have a group plan, are self-employed, running a small business or retired
Who it’s for
The Guaranteed Issue Enhanced plan is guaranteed acceptance at time of application, making it great for your clients looking for comprehensive coverage, with a high drug limit and coverage for Lifestyle* drugs, without the need for a medical exam.
Guaranteed Issue health and dental plan
Guaranteed Issue Enhanced
Clients with pre-existing medical conditions know how hard it can be to find comprehensive coverage. A Guaranteed Issue Enhanced Plan offers a wide range of coverage, with a high drug limit and coverage for Lifestyle* drugs, without the hassle of answering any medical questions at time of application.
*Lifestyle drugs include prescription birth control drugs, glucose sensors, oral erectile dysfunction drugs, smoking cessation drugs and aids, medical marijuana, Intra Uterine Devices (IUDs) and diaphragms, anti-obesity drugs, vaccines
The Association Health & Dental Plan has 8 different options for your clients to choose from — helping them find one that best suits their needs and budget.
Most plans are guaranteed acceptance, making this the perfect sales opportunity if you have clients who want coverage without the medical exam.
Who it's for
If you have clients not covered by a group health and dental plan, are self-employed, or are looking for supplemental coverage, the Association Health and Dental Plan can be right for them.
This plan is also designed to offer small or large associations and small businesses with an individual health and dental insurance plan.
Association dental plans
Gold Dental Plan
Guaranteed Issue Plan
Dental: 60% in year 1 up to $750, 80% in year 2 up to a $1,000/year, 80% in year 3 & 4 up to a $1,200/year, 80% in year 5 & beyond up to a $1,500/year
Restorative dental: 60% in year 3 & beyond up to $800 every 2 years
Vision: $100 every 2 years
Specialists/Therapists: $20/visit, up to $300/year
Psychologist/Psychotherapist: $80/first visit, $65/subsequent visits for max 10 visits/year
Association health and dental plans
Base Plan
Guaranteed Issue Plan
Drugs: 70% of first $750, up to $525/year
Dental: 70% up to a $400/year
Vision: $100 every 2 years
Specialists/Therapists: $25/visit, up to $500/year
Psychologist/Psychotherapist: $80/first visit, $65/subsequent visits for max 10 visits/year
Travel (to age 65): 5 days
Bronze Plan
Requires Medical Underwriting
Drugs: 70% of first $500, 80% of next $2,500, up to $2,350/year
Dental: 70% up to a $500/year
Vision: $100 every 2 years
Specialists/Therapists: No limit per visit, up to $750/year
Psychologist/Psychotherapist: $80/first visit, $65/subsequent visits for max 10 visits/year
Travel (to age 65): 9 days
Silver Plan
Requires Medical Underwriting
Drugs: 70% of first $500, 100% of next $4,650 up to $5,000/year
Dental: 80% up to $600 in year 1, $900 in year 2 & beyond
Vision: $150 every 2 years
Specialists/Therapists: No limit per visit, up to $1,000/year
Psychologist/Psychotherapist: $80/first visit, $65/subsequent visits for max 12 visits/year
Travel (to age 65): 17 days
Gold Plan
Requires Medical Underwriting
Drugs: 90% of first $2,222, 100% of next $8,000, up to $10,000/year
Dental: 80% up to $750 in year 1, $1,000 in year 2, $1,200 in year 3 & 4, $1,500 in year 5 & beyond
Restorative dental: 60% in year 3 & beyond up to $800 every 2 years
Vision: $250 every 2 years
Specialists/Therapists: No limit per visit, up to $1,500/year
Psychologist/Psychotherapist: $80/first visit, $65/subsequent visits for max 15 visits/year
Travel (to age 65): 30 days
Getting sick or hurt when your clients are away from home is stressful enough without having to worry about the cost of the medical care they need. Manulife Travel Insurance helps protect your clients, whether they're a travelling Canadian, a visitor to Canada or a student.
Travel plans
Are your clients going to the USA for business for a day or two? Perhaps they’re exploring Canada’s coast, heading to the Caribbean or travelling overseas?
Manulife Travel Insurance for Canadians travelling out-of-province helps protect your clients against the cost of unexpected emergencies that may occur during their trip – costs only marginally covered by their provincial health insurance plan.
Single trip
COVID-19 Pandemic Travel Plan
- Available to Canadians travelling abroad
- Provides up to $1,000,000 CAD emergency medical coverage per insured for COVID‑19 and related complications (up to $5,000,000 CAD per insured if fully vaccinated against COVID‑19)
- Provides Emergency Medical Insurance for Non-COVID‑19 related medical conditions (up to $5,000,000 CAD per insured)
- Includes Trip Interruption insurance benefits in the event of quarantine (up to $2,800 CAD per insured and up to a maximum of $5,600 CAD per family).
Multi-trips
Other plans
Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?
Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.
Who can apply?
- Visitors to Canada;
- Canadians who are not eligible for benefits under a Canadian government insurance plan;
- Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
- New immigrants who are awaiting government health insurance plan coverage.
Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
- Meets the requirements of the Parent and Grandparent Super Visa
- Allows you to cover your family, too**
- Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.
Travel Insurance for Students is designed specifically for students - whenever they travel to study.
If they are a Canadian studying abroad or in another Canadian province/territory, or if they are international students studying in Canada, Manulife Travel Insurance for Students is their way to get coverage for up to $2 million in benefits if a medical emergency strikes unexpectedly.
Student plans
First in Canada: Multi-year travel medical insurance – designed to meet emergency medical travel insurance needs for years to come.
About the Product
- Emergency medical insurance for any number of 30-day trips
- For Canadians between the ages of 18 and 65, inclusive as long as the policyholder continues to have coverage under a Canadian provincial or territorial government health insurance plan
- Guaranteed renewable annually
- Matures at age of 80 when the policy terminates
Conditions, limitations and exclusions apply. Please contact us for details.
Travel80 Term Travel Insurance is currently not available to residents of Quebec or New Brunswick.
Your clients count on you to help them get into the home of their dreams. But did you know that many would find it valuable if you also explained their protection options to them?1
It’s an important conversation to have. Life doesn’t always go according to plan. If your clients’ lives should be disrupted by the unexpected, mortgage protection can help take care of the mortgage and protect the ones they love most.
Not only will you be helping your clients, you’ll also be helping your business. Offering mortgage protection enables you to stand out from your competitors, provide more holistic advice and build stronger client relationships.
