Rates to Go

Manulife’s Rates to Go illustrates insurance premiums based on the information provided. This website does not provide an offer to insure. Applications are subject to underwriting. Premium rates are subject to change without notice. For additional information on Family Term, Family Term with Vitality PlusTM, and Lifecheque, refer to Manulife Illustrations, accessible through the Advisor Portal(sign in required).

Manulife Guaranteed Issue Life

Manulife Guaranteed Issue Life is whole life insurance with guaranteed level premiums payable until the policy anniversary nearest to the insured person’s 100th birthday. The policy continues free of charge after that date. Your guaranteed premium will be shown in the contract when it is issued. Premiums illustrated include policy fees.

Lifecheque - T10 or T20 with Return of premium on death rider

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

Family Term - T10 or T20

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

Family Term - T65

T65 provides insurance coverage until age 65. Premiums remain the same(level) for the life of the coverage. Guaranteed premiums are established during the underwriting process and shown in your contract when issued. Premiums illustrated include policy fees.

Synergy - T10

Synergy includes a life insurance policy, a disability insurance policy, and a critical illness insurance policy in one solution. Only initial premiums are illustrated. Guaranteed premiums are established during the underwriting process and shown in your contract when issued. Premiums for this product increase at renewal. While renewal premiums are guaranteed at issue, they are not illustrated through this tool.

Synergy - Level

Synergy includes a life insurance policy, a disability insurance policy, and a critical illness insurance policy in one solution. Guaranteed premiums are established during the underwriting process and shown in your contract when issued.

Synergy - Term insurance rider(TIR)

Your TIR provides additional life insurance protection. It is low - cost, renewable, and convertible term insurance to help meet personal and business insurance needs. Guaranteed 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. Your TIR can be converted to permanent life insurance until your Synergy solution ends. All TIR coverages end when the Synergy solution ends.

Synergy - Child protection rider(CPR) – Critical Illness(CI)

The CI CPR provides benefits when the child who is insured on the rider coverage suffers a covered condition that is insured under the rider. The CI CPR contains specific definitions for the covered conditions and the requirements you must satisfy to receive benefits. Please review the rider for full details. Coverage continues until the Synergy anniversary nearest the child’s 25th birthday.

We continue any rider coverages in effect at no cost if the Synergy solution ends because of any of the following:

• The insured person dies and a death benefit is payable.

• The available amount of insurance is reduced to 0.

• The Synergy solution reaches its expiry date.

All benefits provided by the rider coverage will continue, unchanged, until the rider coverage expires.

Premiums remain the same(level) for the duration of the coverage. Guaranteed premiums are established during the underwriting process and shown in your contract when issued.

Synergy - Child protection rider(CPR) – Life

Each coverage under the CPR - Life insures the life of 1 child and pays a death benefit if the child insured on the rider dies. This rider also provides a guaranteed life insurability benefit and a critical illness insurability benefit. Coverage continues until the Synergy anniversary nearest the child’s 25th birthday.

We continue any rider coverages in effect at no cost if the Synergy solution ends because of any of the following:

• The insured person dies, and a death benefit is payable.

• The available amount of insurance is reduced to 0.

• The Synergy solution reaches its expiry date.

All benefits provided by the rider coverage will continue, unchanged, until the rider coverage expires.

Premiums remain the same(level) for the duration of the coverage. Guaranteed premiums are established during the underwriting process and shown in your contract when issued.

Family Term with Vitality PlusTM - T10 or T20

Only first year premiums are illustrated. There are four levels of Vitality Status™: Platinum, Gold, Silver, and Bronze. Each Status has a corresponding guaranteed savings percentage. Every Family Term with Vitality Plus insurance coverage automatically starts with a Vitality® premium savings of 10 % in its first year. During the premium adjustment period and after the first coverage anniversary, actual premiums are based on the Vitality Status™ achieved by the insured person. Actual premiums may vary from what’s illustrated in Rates to Go but will never be more than the guaranteed maximum premiums set out in your contract when issued. Premiums illustrated include the policy fee and Vitality charge.

Insurance products are issued by The Manufacturers Life Insurance Company. The Vitality Group International Inc. , in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality and Vitality Status™ are trademarks of The Vitality Group International, Inc. , and are used by The Manufacturers Life Insurance Company and its affiliates under license. Please consult your financial representative to learn more and find out if you qualify for this product.

Family Term with Vitality PlusTM – T65

Only first year premiums are illustrated. T65 provides insurance coverage until age 65. There are four levels of Vitality Status™: Platinum, Gold, Silver, and Bronze. Each Status has a corresponding guaranteed savings percentage. Every Family Term with Vitality Plus insurance coverage automatically starts with a Vitality® premium savings of 10 % in its first year. During the premium adjustment period and after the first coverage anniversary, actual premiums are based on the Vitality Status™ achieved by the insured person. Actual premiums may vary from what’s illustrated in Rates to Go but will never be more than the guaranteed maximum premiums set out in your contract when issued. Premiums illustrated include the policy fee and Vitality charge.

Insurance products are issued by The Manufacturers Life Insurance Company. The Vitality Group International Inc. , in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality and Vitality Status™ are trademarks of The Vitality Group International, Inc. , and are used by The Manufacturers Life Insurance Company and its affiliates under license. Please consult your financial representative to learn more and find out if you qualify for this product.