Manulife UL with Vitality Plus™

Universal life insurance

On this page

Instruction: Change of selection promptly shifts the focus to a matching heading further down, on the same page.

What is Manulife UL with Vitality Plus?

Manulife UL with Vitality Plus offers the same value and flexibility of Manulife UL with the additional rewards and benefits of Manulife Vitality. It’s unlike any permanent life insurance plan you’ve seen before.

Get insurance that's easy to understand and manage. It's universal life insurance that lets you:

  • Enjoy tax-advantaged investment growth
  • Leave a tax-free legacy for your loved ones
  • Build account value you can access at any time (withdrawals may be taxed)
  • Choose how involved you want to be in managing your money
  • Reduce volatility by investing in a smoothed-yield investment option
  • Earn higher returns on managed accounts than the corresponding designated retail fund
  • Accelerate account value growth with competitive management fees
  • Create collateral you can use for a bank loan
  • Choose premiums that increase annually or choose to pay insurance costs that don’t increase
  • Earn rewards for healthy living with Manulife Vitality Plus™

Do you already have a universal life policy?

Check how your investments are doing

More value with Manulife Vitality Plus

With this permanent life insurance plan, you’ll have access to the maximum benefits of the Manulife Vitality program – giving you permanent insurance that allows you to earn rewards and save on the cost of your insurance for making healthier choices.

Earn points when you complete, 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?

  • The opportunity to reduce the cost of your insurance
  • Personalized health recommendations 
  • The opportunity to get an Apple Watch from just $0 to record your progress
  • The ability to earn hundreds of dollars in rewards and discounts on popular brands  
Manulife Vitality Plus™ and Manulife Vitality Go™ insurance savings comparison
 Manulife Vitality PlusManulife Vitality Go
Insurance savings2Up to 15% annual premium or cost of insurance discount if you have Family Term with Vitality Plus or Manulife UL with Vitality PlusN/A
Manulife Vitality Plus™ and Manulife Vitality Go™ fitness trackers & wearables comparison
 Manulife Vitality PlusManulife Vitality Go
Apple WatchFrom just $03N/A
GarminFree vívosmart® 5 or 30% off other models and Garmin Smart Scale30% off select models and Garmin Smart Scale
Oura Ring15% off Oura Ring 410% off Oura Ring 4
WHOOP$40 off a 12- or 24-month membership, plus save 20% on apparel and accessories$40 off a 12- or 24-month membership, plus save 20% on apparel and accessories
Manulife Vitality Plus™ and Manulife Vitality Go™ rewards comparison
 Manulife Vitality PlusManulife Vitality Go
MedcanPreferred pricing on the Galleri® multi-cancer early detection test by GRAIL for eligible members age 50+N/A
Health screening – ExamOne®Free at-home paramedical screeningN/A
GoodLife Fitness25% off individual one-year membershipN/A
Orangetheory Fitness®Save up to $60 per month on membershipN/A
Les Mills+14-day free trial & special rates on monthly subscriptions14-day free trial & special rates on monthly subscriptions
adidasSave up to 30% off sportswearSave 15% off sportswear
HelloFreshUp to $154 in savings per program yearN/A
Gift cards from popular brandsWin from active rewardsWin from active rewards
Amazon$99 gift code towards purchases on Amazon.caN/A
ExpediaSave up to 50% on one booking per program yearSave 10% on one booking per program year
Cronometer®Get 30% off a Gold subscription on the top-rated nutrition appN/A
PKG Carry GoodsSave up to 45% on Canadian-designed bags and accessoriesN/A
NiaHealth15% off personalized biomarker testingN/A
KixCareSpecial pricing on personalized pediatric care solutionsN/A
Personalized Prescribing Inc.Special pricing on pharmacogenetic testing to learn what mental health medication is right for youN/A
Vitality® dividendThe potential for a Vitality® dividend each year, based on your Vitality Status (only applicable to members with Manulife Par with Vitality Plus)N/A

Product details

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

  • Up to 1% rate enhancement guarantee
  • Choice of a wide range of investment account options including an investment account linked to the Performax Gold Investment Fund, offering a 1% minimum guarantee
  • Competitive management fees
  • Access to the maximum-value rewards and discounts that Manulife Vitality has to offer when you make healthier choices

Ready to buy?

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

Find an advisor

Get Apple Watch.
Get Active.
Get Rewarded.

Individual Manulife Vitality program members get an Apple Watch from just $03

Learn more

Resources

How much insurance do you need?

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

Go to InsureRight

Manulife UL with Vitality Plus brochure guide

For a closer look at Manulife UL with Vitality Plus, download our brochure.

Download the Manulife with Vitality Plus client brochure

Also consider

Term life insurance
Critical illness insurance

*Expedia and the Expedia Logo are either registered trademarks or trademarks of Expedia, Inc. in the United States and/or other countries. All other trademarks are the property of their respective owners.

** Vitality® dividends are not available if your premium duration is pay to age 100.

2 Savings on insurance costs are in comparison to the same Manulife life insurance policy without Vitality Plus. The level of savings on insurance costs will vary based upon the Vitality Status achieved by the life insured. Savings on insurance costs are only available on Family Term with Vitality Plus and Manulife UL with Vitality Plus. Manulife Par with Vitality Plus offers the potential for Vitality Dividends. Maximum savings on Manulife Vitality with health and dental insurance plans is 10%.

3 Free Apple Watch refers to Apple Watch SE 3 with $0 initial payment (plus tax) and $0 monthly payments earned by accumulating 500 Vitality Points through Standard or Active Workouts every month for 24 months.

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 3, Apple Watch Series 11, and Apple Watch SE 3 require iPhone 11 or later with iOS 26 or later. Wireless service plan required for cellular service. Eligibility for specific rewards or participation in specific reward programs may vary. Apple Watch and iPhone service provider must be the same. The full value of the Apple Watch SE 3 is $329, which is comprised of monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Series 11 is $549, comprised of an initial payment of $220 plus tax, then monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Ultra 3 is $1,099, comprised of an initial payment of $770 plus tax, then monthly payments of $13.70 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 is not a participant in or sponsor of this promotion. Apple Watch is a trademark of Apple Inc. All rights reserved.

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 program is available with select policies and to eligible customers only. Please consult your financial representative to learn more and determine whether the program is appropriate for your circumstances. 

Eligibility for the program, including access to rewards, benefits, discounts, and services, is subject to applicable terms, conditions, limitations, and exclusions. Eligibility criteria, reward structures, and available partner offers may change at any time and are not guaranteed over the full life of the insurance policy or program participation. 

All rewards, discounts, or partner offers are subject to applicable third-party terms and conditions, including eligibility requirements, redemption criteria, availability, and any limitations imposed by the applicable partner. Manulife does not guarantee the ongoing availability of any reward, product, or service offered through the program. 

Program participation and access to certain features may require the use of a mobile device, internet access, or other technical requirements. System requirements and digital functionality may change over time. 

For full program details, including current eligibility requirements and redemption criteria, please visit: Manulife Vitality member offer disclaimers 

Vitality, Vitality Go, Vitality Plus, and related marks are trademarks of The Vitality Group International Inc. and are used by The Manufacturers Life Insurance Company and its affiliates under licence. 

Manulife, Stylized M Design, and Manulife & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. 

Get support
Contact us