How Manulife Vitality works

Eligibility for rewards may change over time and are not guaranteed over the full life of the insurance policy.

¹ Vitality charge is $5 monthly on health and dental plans. The charge varies for Manulife Par with Vitality Plus. $6 monthly or $72 annually for pay to age 90; $10 monthly or $120 annually for pay for 20 years; or $15 monthly or $180 annually for pay for 10 years.

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 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 2, Apple Watch Series 10, and Apple Watch SE require iPhone Xs or or later with iOS 18 or later. Wireless service plan required for cellular service. Contact your service provider for more details. Connection may vary based on network availability. Check for participating wireless carriers and eligibility. Visit Setup cellular on Apple Watch for additional setup instructions. 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 is $329, which is comprised of monthly payments of $13.70 per month over 24 months.  The full value of the Apple Watch Series 10 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 2 is $1,099, comprised of an initial payment of $770 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.

⁴ Answer a skill-testing question correctly to win any award from the Vitality Wheel™.

⁵ Eligibility requirements: Insured must have reached their 18th birthday by the time the policy is issued. Available on single life coverage only.   

Members who have reached Platinum Status and complete their Vitality Health Review (VHR) for three consecutive years are automatically eligible to receive a $99 Amazon gift code. Your Amazon gift code can be applied towards purchases on Amazon.ca. Amazon gift codes cannot be transferred or resold. Amazon is not a sponsor of this promotion. All Amazon ®, ™ & © are IP of Amazon, Inc. or its affiliates.

New Les Mills+ members will be billed after their free trial but can change payment methods or cancel future payments at any time. No annual subscription required.

You must have an up-to-date WHOOP membership and use an iOS device to earn Vitality Points with WHOOP. All WHOOP memberships automatically renew as an annual membership at the then current price. The apparel and accessories discount is not applicable to SportFlex bands, batteries, or packs. Additional fees for shipping WHOOP band or apparel and accessories and tax are dependent on location.

Eligible members can earn a discount on online purchases only at adidas.com, for up to $1000 per coupon code. The amount of discount for Plus members will vary based upon Vitality Member’s Vitality status (Bronze -15%, Silver - 20%, Gold - 25%, Platinum - 30%). Go members can earn 15%, regardless of status. Some exclusions apply. See adidas.ca for details.

Offer good for 15%, 20%, 25% or 30% off full price items adidas.ca and adidas.ca/fr. Enter code at checkout to apply discount up to $1000. One use per customer. Offer cannot be combined with other offers, additional coupons, or discounts. Offer is not valid on prior purchases. Offer not valid for cash. While quantities last. Exclusions apply, including but not limited to: 4D, Select Ultraboost, Pharrell x adidas, Disney, adizero adios pro, Human Made, limited edition Originals, Select Samba, Select Gazelle, Select Campus, Select NMD, Select Stan Smith, Select Superstar, Gift Cards and purchases on the Confirmed App. Valid on domestic Canadian orders only. adidas reserves the right to change terms and conditions, substitute offer of equal or greater value and end offer at any time without notice. Void where prohibited or restricted by law.

One HelloFresh offer per household for new customers only. You'll receive 50% off your first box plus free shipping on your first box (valued at $9.99, or $19.99 if you are in Newfoundland). Deal valid with the purchase of a 2- or 4-person meal plan where HelloFresh delivers in Canada. Upon redemption, you will be enrolled in an auto-renewing subscription which you may cancel at any time, in accordance with our Terms and Conditions. Please check hellofresh.ca for more information. The HELLOFRESH trademark and family of associated marks are owned by affiliates of HelloFresh Canada Inc. and used under license.

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.

Conditions apply. Contact a studio near you for full details. Orangetheory® and other Orangetheory® marks are registered trademarks of OTF IP Holder, LLC. © Copyright 2025 OTF IP Holder, LLC and its affiliates.

Fitbit, Fitbit Inspire 3 and the Fitbit logo are trademarks or registered trademarks of Fitbit in the U.S. and other countries.  

Garmin and vívosmart are registered trademarks of Garmin Ltd. or its subsidiaries. Limit two devices at checkout. Offer may not be combined with any other coupons, discounts, promotions or rebates. Discount is subject to Garmin Terms and Conditions. Some exclusions may apply, such as newly launched products for 60 days or more post-launch. Offers subject to change at the discretion of Garmin.

Oura Membership required for access to the complete suite of features and to earn Vitality Points with Oura Ring – 1 month included for new members, $7.99 CAD/month (before tax) afterwards – The Oura Membership automatically renews each month until canceled in accordance with the Oura Terms of Use. This Oura Ring offer cannot be combined with other offers from Oura. Oura Ring products and services are not medical devices, and are not intended to mitigate, prevent, treat, cure, or diagnose any disease or condition. If you have any concerns about your health, please consult your doctor.  Vitality members can earn Vitality Points for Meditation and Healthy Sleep with the Oura Ring. iOS users can also earn Vitality Points for workouts through heart rate, steps, and Active Calories. © 2025 Oura Health Oy. All Rights Reserved. ŌURA and OURA and Ō are trademarks of Oura Health Oy and may not be used without permission.

GoodLife Fitness® and GoodLife Fitness are trademarks or registered trademarks and are used under license.

ExamOne is a registered trademark of Quest Diagnostics.

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. Please consult your financial representative to learn more and find out if you qualify for this product. Vitality is a trademark of Vitality Group International Inc.,and is used by The Manufacturers Life Insurance Company and its affiliates under license. Vitality, Vitality Points, Vitality Status, Vitality Health Review and Vitality Squares are trademarks of Vitality Group International, Inc., and are used by The Manufacturers Life Insurance Company and its affiliates under license. Family Term with Vitality is a trademark of and is sold by the Manufacturers Life Insurance Company. Flexcare and FollowMe are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. 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.