Overview

Look to Venture Series for reliable, cost-effective income replacement protection designed for a wide range of occupations if your client becomes disabled and is unable to earn an income.

Rates to go

Designed to cost-effectively meet the needs of small business owners and employees, Venture Series is ideal for:  

  • Business owners
  • New business owners
  • Employees
  • Part-time workers
  • Farm owners

The Venture Series basic plan pays your client a monthly benefit if they are totally disabled. Venture Series can be further customized with options and additional riders to suit the client’s needs and budget.

Issue ages Occupation classes Periods Premium
18 – 60
(age nearest) 
4S, 4A, 3A, 2A, A, B 

Benefit periods: To 65, 5 years, 2 years

Some limitations may apply

Elimination periods (days): 30, 60, 90, 120, 730

Level to age 65,
renewable after age 65 to age 75 if working


With the hard-working Venture Series, your clients can:

  • Be certain their premiums and coverage won’t change if their occupation or health changes
  • Benefit from built-in discounts for business owners
  • Help keep pace with their income with the built-in Automatic Coverage Enhancement feature
  • Receive higher benefits than many competing products if their disability qualifies for Workers’ Compensation or no-fault automobile insurance benefits
  • Plan ahead with the built-in Future Care Option which gives your clients the opportunity to exchange their disability coverage for a long term care insurance plan when the time is right
  • Benefit from special programs available for students and new grads in select professions

Additional features:

  • Regular Occupation Period to age 65 may be available
  • Non-occupational coverage if they are on leave (such as maternity/paternity) or sabbatical

Optional riders:

  • Cost of Living Adjustment Rider
  • Additional Insurance Rider guarantees
  • Partial Disability Rider – two versions available
  • Residual Disability Rider
  • Premium Refund Rider
  • Pensionguard Rider
  • Own Occupation Rider
  • Health Protection Riders – two versions available

Note: Above features may be subject to terms and conditions 

Future Care Option

Future Care Option is offered as part of most new Manulife Proguard or Venture Series disability insurance plans. If your client already owns a Manulife disability policy insurance plan, not to worry.

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