Manulife Synergy® insurance

3-in-1 life, disability and critical illness protection

Helping protect your family means safeguarding the life you lead and the people you love, should something happen to you. You can help cover everyday risks with 3-in-1 life, disability and critical illness insurance from Synergy. If you can’t work because of injury, illness or premature death, you can draw on the pool of money through your Synergy policy to:

  • Replace your income
  • Cover your mortgage and debts
  • Supplement gaps in your employer’s group plan

Plan features

You choose $100,000 to 500,000 in coverage

You receive disability, critical illness and/or life insurance benefits

Convert your insurance to a permanent solution until age 65

Optional add-ons:

  • Add term life insurance: 10-year renewable or term to age 65
  • Help protect children up to age 25 with life and critical illness insurance

Choose Synergy for affordable life, disability and critical illness protection in one easy-to-manage policy

  • Enjoy simplicity: one application, one premium and one policy
  • Experience a faster and easier underwriting process
  • Receive your payout faster, with some of your benefit available before the end of the waiting period
  • Convert your insurance to a permanent solution until age 65

Find the best resources to make informed health care decisions for you and your loved ones, including a medical second opinion service, with Manulife’s trusted, one-of-a-kind information and support service, Health Service Navigator®*

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.

Ready to buy?

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

Need assistance?

Submit a claim

Start a health, dental, life, disability or critical illness insurance claim. Visit our Claims centre to begin.

Update personal information

You can update your personal information (e.g., name, address, bank account details, automatic payment details, marital status) by completing one of our forms.


Try out our InsureRight calculator to make sure you have the right insurance to protect you and your loved ones.