Manulife Par with Vitality Plus

Whole life insurance

What is Manulife Par with Vitality Plus?

Manulife Par with Vitality Plus is participating whole life insurance designed to offer attractive guaranteed cash values in the early years of your policy, without compromising on long-term death benefit growth. You also have the opportunity to earn the maximum-value rewards and benefits of Manulife Vitality, all while improving your health.

Sure, life may have many unknowns, but Manulife Par with Vitality Plus makes up for that with:

  • Guaranteed premiums
  • Guaranteed amount of insurance that remains in effect for your entire lifetime
  • Guaranteed cash value that grows over time

More value with Manulife Vitality Plus

With this permanent life insurance plan, you’ll have access to the maximum-value benefits of the Manulife Vitality program – giving you permanent insurance that enables you to earn rewards and discounts on popular brands for making healthier choices.

Earn points when you complete educational, fitness and health-related activities. The more engaged you are with the program and live a healthy lifestyle, the more rewards you can enjoy.

What benefits are available with Manulife Vitality Plus?

  • Personalized health goals
  • The opportunity to get an Apple Watch from just $01 to record your progress
  • The ability to earn hundreds of dollars in rewards and discounts on popular brands 
  Manulife Vitality Plus Manulife Vitality Go
Insurance discounts
Insurance savings* Up to 15% annual premium or cost of insurance discount if you have Family Term with Vitality Plus or Manulife UL with Vitality Plus N/A
Fitness trackers & wearables
Apple Watch From just $01 N/A
Garmin Free Vivofit 4 or 30% off other models 30% off select models
Fitbit Free Fitbit Inspire 3™, or up to 40% off select products.  Up to 40% off select products
Manulife Vitality rewards
Health screening – ExamOne® Free at-home paramedical screening N/A
GoodLife Fitness 25% off individual one-year membership N/A
Orangetheory Fitness® Save up to $60 per month on membership N/A
Les Mills On Demand 30-day free trial & special rates on monthly subscriptions 30-day free trial & special rates on monthly subscriptions
HelloFresh Up to $148 in savings per program year N/A
Gift cards from popular brands Win from active rewards Win from active rewards
Amazon Prime™ $99 gift code for the value of a one-year Prime membership or use towards purchases on N/A
Headspace 30-day free trial 30-day free trial
Expedia™ Save up to 50% on two bookings per program year N/A

* There are no premium savings for Manulife Par with Vitality Plus™ based on Vitality Status™. Instead, Manulife Par with Vitality Plus customers have the potential to earn a Vitality dividend each year, based on their Vitality Status™.

Product details

Here’s what you get with Manulife Par with Vitality Plus:

Core plan:

  • Coverage starts at $100,000 for 10 year, 20 year and pay to age 90 premium durations and $500,000 for pay to age 100.
  • No policy fees
  • Guaranteed payment duration for 10 or 20 years, to age 90 or to age 100 - you choose!
  • Single life coverage option
  • Issue ages 18-80
  • Access to the maximum-value benefits of Manulife Vitality – giving you rewards for healthy living
  • Monthly Vitality® charge:
    • $15 for pay for 10 years
    • $10 for pay for 20 years
    • $6 for pay to age 90
    • $4 for pay to age 100

Optional add-on:

  • Get extra protection by adding term life insurance
  • Skip payments if you become disabled, subject to certain conditions
  • Guarantee your future eligibility for life insurance
  • Protect your children and guarantee their future life insurance coverage

Note: Above features may be subject to terms and conditions.

Ready to buy?

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


How much insurance do you need?

Explore our tools to make sure you have the right insurance to protect you and your loved ones.

Manulife Par with Vitality Plus client guide

For a closer look at Manulife Par with Vitality Plus, download our guide.

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