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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 Amazon.ca | N/A |
| 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.
Resources
Also consider
Insurance products are issued by The Manufacturers Life Insurance Company. The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. The Manulife Vitality program is available with select policies. Vitality, Vitality Status, Vitality Active Rewards and Vitality Points are trademarks of Vitality Group International, Inc., and are used by The Manufacturers Life Insurance Company and its affiliates under license. Points levels for each Vitality Status and activity are subject to change. Eligibility for specific rewards or participation in specific reward programs may vary depending on the province or territory of residence, Vitality Status, and/or the type and in-force status of Manulife Vitality insurance policy that is held.
* Eligibility requirements: Insured must have reached their 18th birthday by the time the policy is issued. Available on single life coverage only.
† Vitality dividends are not available if the premium duration is pay to age 100.
1 Initial payment does not include applicable taxes or upgrades which may include cellular models. Tax on initial payment is based on retail value of Apple Watch. Apple Watch Ultra, Apple Watch Series 8, and Apple Watch SE require an iPhone 8 or later with iOS 16 or later. Wireless service plan required for cellular service. Apple Watch and iPhone service provider must be the same. The full value of the Apple Watch SE is $329, comprised of monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Series 8 is $529, comprised of an initial payment of $97 plus tax, then monthly payments of $18 per month over 24 months. The full value of the Apple Watch Ultra is $1,099, comprised of an initial payment of $667 plus tax, then monthly payments of $18 per month over 24 months. Each monthly payment can be reduced to as little as $0 depending on how many Vitality Points you earn. Apple Watch SE can be upgraded to Apple Watch Series 8 for an additional $97. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.Initial payment does not include applicable taxes or upgrades which may include cellular models. Tax on initial payment is based on retail value of Apple Watch. Apple Watch Ultra 2, Apple Watch Series 9, and Apple Watch SE require iPhone Xs or later with iOS 17 or later. Wireless service plan required for cellular service. Apple Watch and iPhone service provider must be the same. The full value of the Apple Watch SE is $329, which is comprised of monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Series 9 is $549, comprised of an initial payment of $97 plus tax, then monthly payments of $18.50 per month over 24 months. The full value of the Apple Watch Ultra 2 is $1,099, comprised of an initial payment of $647 plus tax, then monthly payments of $18.50 per month over 24 months. Each monthly payment can be reduced to as little as $0 depending on how many Vitality Points you earn. Apple Watch SE can be upgraded to Apple Watch Series 9 for an additional $97. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.
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