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What type of life
insurance you need?

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Regardless of your financial situation, most people need life insurance. However not everyone needs the same amount or the same type of coverage. That’s where the assistance of a professional comes in.

Whatever your stage in life, we can help you feel financially assured with a variety of insurance products to meet your specific needs.

  • Life insurance: term, whole life, universal life
  • Disability insurance: income replacement and business overhead protection
  • Critical illness insurance: enhanced and basic plans
  • Long-term care insurance: facility and home coverage
  • Pension plans: group retirement plans, registered pension plans, deferred profit sharing plan and registered retirement savings plans
  • Health care benefits for individuals and associations

Business Term

The simple structure and flexible features of Business Term allow you to protect the key elements of your business so you can be sure it will carry forward with minimal disruption.

The affordable and easy-to-manage design of Business Term creates financial security for your business with:

  • Key person protection
  • Business collateral and buy-sell funding
  • Estate tax coverage

Your Business Term insurance can be customized using options called ‘riders’, such as Business Value Protector (adding additional coverage as your business grows), Total Disability Waiver (waiving premiums if you become disabled) and more.

Business Term is a registered trademark of and is offered through Manulife Financial (The Manufacturers Life Insurance Company)

Universal life insurance

Universal life insurance combines permanent life protection with tax-advantaged investment opportunities to help you increase your long term wealth.

Designed to meet both your life insurance and investing needs, universal life insurance combines long-term insurance protection and tax-advantaged investing in one single, customizable policy. Whether your goal is to protect the legacy you’re building for your loved ones, or to build additional wealth over time, universal life insurance can help you:

  • Leave proceeds to your beneficiary – tax free
  • Further your estate planning
  • Build tax-deferred equity and accessible cash value over time (may be subject to taxation)
  • Establish financial collateral for a bank loan
  • Provide key person insurance coverage for your business (business continuity)

From how you want to invest, to how you pay for your insurance, to how much or little you want to invest, there are a variety of simple universal life coverage options that can be customized to meet your financial planning needs.

Term Insurance

Whether you are looking to protect your family or your business, term life insurance offers affordable and flexible protection you can customize to meet your temporary and growing needs. You can choose term life coverage that protects you for 10 or 20 years or until you reach age 65 or age 100.

Long Term Care (LTC) insurance

Long term care insurance provides you with the support and financial resources necessary to cover the out-of-pocket expenses for care at home or in a facility, when you can no longer care for yourself.

LivingCare® Long Term Care insurance

LivingCare from Manulife is designed to provide you with the freedom to choose the type of care you want and need, while at the same time protect your retirement assets. The flexibility of LivingCare allows you to choose to receive your benefits for home or facility care. LivingCare gives you the financial security to:

  • Protect your retirement savings and income
  • Preserve an inheritance for your loved ones
  • Eliminate the burden placed on your family caused by long term care needs

LivingCare is sold by, and is a registered trademark of, Manulife Financial (The Manufacturers Life Insurance Company).

Manulife Par whole life insurance

Life may have unknowns, but Manulife Par makes up for that with:

  • Guaranteed premiums
  • Guaranteed amount of insurance that remains in effect for your entire lifetime
  • Guaranteed cash value that grows over time
  • Take comfort in seeing immediate growth of your policy’s cash value, and keep confident your plan delivers long-term protection, all with potential tax-saving advantages.

Choose Manulife Par whole life insurance for dependable, hassle-free protection:

  • Earn an annual dividend to grow your insurance coverage and cash value beyond guarantees
  • Choose how long you pay your premium and, how frequently
  • Access your policy’s cash value at any time or, if you become disabled
  • Make additional payments into your policy to increase your protection, whenever you choose!
  • Reach your long-term financial goals and benefit from tax-advantaged options to:
  • Build collateral for a loan
  • Enhance your estate planning
  • Provide gifts for children and your family
  • Compliment a retirement plan

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Manulife Vitality

Manulife Vitality is a program that can reward you for healthy living.

Manulife Vitality

The Health and Wealth Connection

In 2014, Manulife conducted a study to look at how Canadians feel about their personal financial situation and how that affected their physical and mental wellbeing. They've since updated those findings to gain a deeper understanding of the challenges financially unprepared employees face on a daily basis and shed more light on the role poor finances play on their overall mental and physical well-being. 

What's your Vitality Age?

Your Vitality Age is a simple calculation which helps you understand more about your health. Your Vitality age may be lower or higher than your actual age and it serves as an indication of your overall health. Try it out today!

CHECK your Vitality age

Vitality is a trademark of Destiny Health Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under licence. Points levels for each Vitality Status and activity are subject to change.


Insurance products are issued by The Manufacturers Life Insurance Company. The Vitality Group, Inc. in association with The Manufacturers Life Insurance Company provides the Manulife Vitality Program. The Manulife Vitality Program is available with select policies. Please consult your financial representative to learn more and find out of you qualify for this product.