Life is always changing. Moments happen, like getting married, having a baby, or buying a house. These life moments can mean taking on more financial risk. Personal benefits offer a simple, affordable way to help you protect what you value most.

Personal benefits include:

  • personal life term insurance which can pay out a one-time cash amount to the beneficiaries you’ve named during a specified time period
  • personal critical illness that can help with the financial impact of a serious illness

You can insure yourself, your spouse, and your children, as long as:

  • your employer’s plan offers the insurance
  • the person being insured meets your plan’s rules for coverage
  • the person being insured is in good health

You could get savings through your group plan as it’s usually cheaper than if you get it on your own.

Personal life starts at less than a $1 a day, depending on the coverage you choose.

The average price for personal critical illness is around $0.50 per day.

Here are a few reasons why this coverage is worth it.

  • Flexible coverage – You choose the coverage you want up to $500,000 for personal life and starting at a minimum of $10,000 for personal critical illness. For the full details, see your booklet.
  • Apply with no medical questionnaire – Get up to $100,000 of personal life coverage for you and $50,000 for your spouse without a medical questionnaire when you apply. No medical questions asked when applying for personal critical illness.
  • Easy to pay for – You pay for the insurance directly to Manulife. Simply set up pre-authorized monthly payments with Manulife by credit card or banking.
  • Use it however you want – A critical illness can lead to costs you weren’t expecting. Flexibility can help you be ready.
  • Take it with you – Since you own your coverage, it travels with you if you change jobs.

Personal benefits are available across Canada, and your employer’s benefits plan may offer them. Check out your benefits booklet for more information. To check your benefits booklet, sign in at manulife.ca/signin, then under My benefits, click View benefits booklet.

Personal life insurance supplements the basic life insurance coverage available through your group benefits plan.

When you or your spouse die, it can help your family cover its expenses. It pays out a one-time cash amount to the beneficiaries you’ve named.

This amount can be used to help cover:

  • funeral costs
  • debt payments
  • mortgage payments
  • family living expenses
  • childcare
  • aging parents

You can buy this extra coverage with Manulife through your group benefits plan if your employer offers it.

Apply for up to $100,000 in coverage for you and $50,000 for your spouse. No need to fill out a medical questionnaire when applying. Coverage for children may also be available.

You can insure yourself, your spouse, and your children, as long as:

  • your employer’s plan offers the insurance
  • the person being insured meets your plan’s rules for coverage
  • the person being insured is in good health

Personal life starts at less than a $1 a day, depending on the coverage you choose.

Here are a few reasons why this coverage is worth it.

  • Flexible coverage – You choose the coverage you want up to $500,000 for personal life. For the full details, see your booklet.
  • Apply with no medical questionnaire – Get up to $100,000 of personal life coverage for you and $50,000 for your spouse without a medical questionnaire when you apply.
  • Easy to pay for – You pay for the insurance directly to Manulife. Simply set up pre-authorized monthly payments with Manulife by credit card or banking.
  • Take it with you – Since you own your coverage, it travels with you if you change jobs.

Personal life insurance is available across Canada, and your employer’s benefits plan may offer them. Check out your benefits booklet for more information. To check your benefits booklet, sign in at manulife.ca/signin, then under My benefits, click View benefits booklet.

Personal critical illness pays a one-time cash amount for someone with a critical illness that is a covered condition under your plan. Once you have this money, you can use it in any way you wish. For example, you may use it to:

  • help replace lost income
  • seek out treatment options
  • help pay off debt
  • hire a caregiver
  • buy specialized equipment
  • take time for family or other interests

Personal critical illness offers coverage that may not be available through your group benefits plan. It can give you financial protection on top of your health and disability benefits. And it’s usually cheaper than individual critical insurance policies.

A critical illness is commonly understood as a serious illness. These illnesses are common in Canada and across the world. Critical illness insurance only covers certain conditions. Here are the most common types of illnesses:

  • cancer
  • heart attack
  • stroke
  • multiple sclerosis
  • benign brain tumour

Make sure to check your benefits booklet for your coverage details.

You can buy this extra coverage directly from Manulife if it’s offered by your employer. Coverage typically starts at $10,000 and goes up to $150,000. You can get the full details online in your benefits booklet.

You can insure yourself, your spouse, and your children, as long as:

  • your employer’s plan offers the insurance
  • the person being insured meets your plan’s rules for coverage
  • the person being insured is in good health

The average price for personal critical illness is around $0.50 per day.

Here are a few reasons why this coverage is worth it.

  • Flexible coverage – You choose the coverage you want, starting at a minimum of $10,000 for personal critical illness. For the full details, see your booklet.
  • Apply with no medical questionnaire – No medical questions asked when applying for personal critical illness.
  • Easy to pay for – You pay for the insurance directly to Manulife. Simply set up pre-authorized monthly payments with Manulife by credit card or banking.
  • Use it however you want – A critical illness can lead to costs you weren’t expecting. Flexibility can help you be ready.
  • Take it with you – Since you own your coverage, it travels with you if you change jobs.

Personal critical illness insurance is available across Canada, and your employer’s benefits plan may offer them. Check out your benefits booklet for more information. To check your benefits booklet, sign in at manulife.ca/signin, then under My benefits, click View benefits booklet.

Easy access to extra coverage available to you and your family

Flexible insurance amount fit for your needs

Easy to pay for

Preferred price through your employer plan

No medical questionnaire needed for a fixed amount of coverage

Insurance coverage follows you if you change jobs

Extra support to keep an eye on your health

Health Service Navigator  

If you’re insured with a Manulife critical illness policy, you and your family may be able to take advantage of Health Service Navigator’s exclusive benefits, at no extra cost. Contact your plan sponsor or check your benefits for more information.

Applying is easy.

  • Sign in at manulife.ca/signin. You’ll find the brochures under Forms, then Plan member brochures. Or give us a call at 1-800-268-6195.
  • You’re encouraged to talk with an advisor about your life insurance needs. We can help you find an advisor.

Get started

A Manulife advisor can help you find an option to meet your needs.

From the Government of Canada

This web page is only a summary of the policy provisions. It is intended to help you decide what personal benefits to buy. If you apply for coverage and are approved, you will get a policy for each benefit explaining the full provisions. In all cases, the specific wording of a policy will always prevail over any summary.