Simple, straightforward and cost-effective

Your life insurance and financial needs won’t always be the same. Today, you may be looking for simple, permanent protection—but it’s nice to know you have the option to enhance your coverage in the future. Get insurance that is easy to understand and manage with Manulife UL universal life insurance that gives you:

  • Leave a tax-free legacy for your loved ones
  • Build cash value you can access later (withdrawals may be taxed)
  • Choose how involved you want to be in managing your money
  • Potentially reduce the impact of market volatility on your investments
  • Benefit from potentially higher returns on managed accounts
  • Take advantage of potentially lower investment account management fees
  • Create collateral you can use for a bank loan

Do you have already a universal life policy?


Get as involved as you like in managing your money based on your investment style and the level of risk you’re willing to take

If you have better than average health and lifestyle characteristics, you may save money on insurance costs

Choose premiums that increase annually or choose to pay insurance costs that don’t increase

Plan details

Core plan:

  • Choose from a wide range of investment account options including an investment account linked to the Performax Gold Investment Fund, offering a 1% minimum guarantee
  • Wide range of investment account options with competitive management fees
  • No policy fee and no life fee
  • Rate enhancement guarantee

Ready to buy?

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

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