Disclaimer

Lifecheque - T10 or T20 with Return of Premium on Death Rider

Only initial premiums are provided. Guaranteed premiums are established during the underwriting process and shown in your contract when issued. Rates for this product increase at renewal. While renewable premiums are guaranteed at issue, they are not provided through this tool. Rates listed include policy fees.

Lifecheque - T65, T75, T100 and 15 Pay with Return of Premium on Death Rider

Guaranteed premiums are established during the underwriting process and shown in your contract when issued. Rates listed include policy fees.

Lifecheque Basic - with Return of Premium on Expiry rider

Only initial premiums are provided. Rates for this product increase at renewal. Rates are subject to change without notice. Once a policy is issued, rates are guaranteed for the first five years, but will be subject to change without notice thereafter. Renewal premiums are not provided through this tool. Please refer to Repsource for additional information.

Family Term - T10 or T20

Only initial premiums are provided. Guaranteed premiums are established during the underwriting process and shown in your contract when issued. Rates for this product increase at renewal. While renewable premiums are guaranteed at issue, they are not provided through this tool. Rates listed include policy fees.

Family Term - T65

T65 provides insurance coverage until age 65. Premiums remain the same (level) for the life of the coverage and are guaranteed. Rates listed include policy fees.

Manulife Quick Issue Term - Term 10 or Term 20

Only initial premiums are provided. Guaranteed premiums will be established during the underwriting process and shown in your contract when issued. Rates for this product increase at renewal. While renewable premiums are guaranteed at issue, they are not provided through this tool. Please refer to Repsource for additional information.

Manulife Quick Issue Term - Term 65

Term-65 provides insurance coverage until age 65. Premiums remain the same (level) for the life of the coverage and are guaranteed. Please refer to Repsource for additional information.

Synergy - T10

Synergy includes a life insurance policy, a disability insurance policy and a critical illness insurance policy in one solution. The amount entered in Rates to go is the Synergy amount of insurance. Only initial premiums are provided. Guaranteed premiums are established during the underwriting process and shown in your contract when issued. Rates for this product increase at renewal. While renewable premiums are guaranteed at issue, they are not provided through this tool.

Synergy - Level

Synergy includes a life insurance policy, a disability insurance policy and a critical illness insurance policy in one solution. The amount entered in Rates to go is the Synergy amount of insurance. Guaranteed premiums are established during the underwriting process and shown in your contract when issued.

Synergy - Term insurance rider

Your term insurance rider provides additional life insurance protection. It is low-cost renewable and convertible term insurance designed to meet traditional personal and business needs. Initial and renewable premiums are established during the underwriting process and shown in your contract when issued. The premium rate of the rider changes at every 10th coverage anniversary. All term insurance rider coverages end when the Synergy solution ends.

Venture Series

Venture Series is a disability insurance plan that provides a monthly benefit to help replace your income if you become disabled. Guaranteed premiums, monthly benefit and occupation class are established during the underwriting process and shown in your contract when issued. Premium shown is for an individual working as a full-time employee and assumes an Elimination Period of 90 days, Benefit Period to age 65, the maximum monthly benefit available, Total Disability benefits only, and five year Regular Occupation definition of disability. Rates listed include policy fees.

Family Term with Vitality

Only first year premiums are provided. Guaranteed renewal premiums are established during the underwriting process and shown in your contract when issued. A Family Term with Vitality policy has four contractually guaranteed premium adjustment multipliers, one for each Vitality Status (Platinum, Gold, Silver and Bronze). Every Family Term with Vitality insurance coverage automatically starts with a Gold level premium. At each policy anniversary the premium may change - up or down - during the premium adjustment period, subject to minimum and maximum premiums, based on the multiplier corresponding to the insured person's Vitality Status. For example, a Platinum status will decrease the premium; Gold will keep premium the same; and Silver and Bronze will increase premium. A Vitality premium of $2/month or $24/year is added to the premium.
Life 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 if you qualify for this product. Vitality and Vitality Status are trademarks of Destiny Health Inc., and are used by The Manufacturers Life Insurance Company and its affiliates under license.



Please refer to Manulife's Diamond View illustration system for renewal rates and additional information. Rates to go is intended for use by Manulife advisors only.