Lifecheque® critical illness insurance

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Help protect your finances and focus on recovery

If you develop a critical illness, you may need to take time off work, arrange additional care for your children, travel to specialized treatment centres and more. Help give yourself financial flexibility to do whatever it takes to get better with Lifecheque critical illness insurance.


Receive your payout faster, with some of your benefit available before the end of the waiting period

Set your own priorities with a benefit you can use to replace your income

Keep up with mortgage and debt payments

Set your own priorities with a benefit you can use to help Manage extra costs

Keep your business running and minimize disruption

Provide additional income on top of your employee benefits plan

Long term care

Option to convert permanent coverage to a long term care product after 20 years

Medical Second Opinion

Independent review of diagnosis and treatment recommendations quickly and easily.

Learn more

Health Service Navigator is offered through and is a registered trademark of Manulife (The Manufacturers Life Insurance Company). Health Service Navigator is powered by WorldCare Inc. WorldCare and The WorldCare Consortium are trademarks of WorldCare Limited, used under license.

Plan details

Core plan:

  • You receive a tax-free, lump-sum benefit after satisfying any applicable waiting period if you’re diagnosed with one of 24 critical illnesses
  • Receive a partial benefit (25% payout up to $50,000) if you are diagnosed with 1 of 6 early intervention conditions
  • Receive a monthly Care Benefit if you satisfy the criteria for functional dependence and need long term care 

Optional add-ons:

  • Get your eligible premiums back if you surrender your policy early, your policy expires or you die without making a claim
  • Help protect your children and provide them the opportunity to get their own critical illness insurance when they turn 21, without medical underwriting
  • If you become totally disabled, we waive the premiums 

Note: Above features are subject to terms and conditions

Additional resource:

View a sample contract

Ready to buy?

If you’re ready to buy Lifecheque insurance or if you have questions, speak to your advisor. If you don’t have an advisor, we can help you find one.

Need to file a claim?

Contact a Manulife Representative by phone: 1-888-626-8543

Please be prepared to provide your policy number, full name, address, date of birth, diagnosis and date of diagnosis. (Please allow 2-5 business days for claims forms to be sent to you.)