Manulife Financial InsuranceFounded: 1887
    • Term Insurance
      Permanent Insurance
      Participating Insurance
      Universal Insurance
      Critical Illness Insurance

LICAT Ratio 2023
Financial Rating: A+

Manulife logoManulife Financial is a leading provider of life insurance solutions in Ontario, offering a wide range of comprehensive and flexible policies to help individuals and families protect their financial security. With a commitment to innovation and customer satisfaction, Manulife Financial has gained a strong reputation in the insurance industry.

Understanding Term Life Insurance

Term life insurance is a popular option for individuals seeking temporary coverage for a specific period of time. Manulife Financial offers a variety of term life insurance products to cater to different needs and budgets. These policies provide financial protection for your loved ones and can be customized to fit your changing lifestyle and income.

Family Term with Vitality Plus™

Manulife's Family Term with Vitality Plus™ is an excellent choice for those looking to protect their family and earn rewards for healthier living. This policy not only offers financial protection but also provides an opportunity to lower your premiums based on your participation in the Manulife Vitality program. By engaging in educational, fitness, and health-related activities, you can earn points and enjoy rewards and discounts on popular brands.

CoverMe Easy Issue

For individuals looking for quick and hassle-free life insurance coverage, Manulife's CoverMe Easy Issue is the perfect solution. With just two medical questions and no medical exam required, you can secure coverage of $50,000 or $75,000 for a term of 10 years. This policy is renewable up to age 85, providing you with long-term protection and peace of mind.

Permanent Life Insurance Options

Manulife Financial also offers a range of permanent life insurance products that provide lifelong protection and build cash value over time. These policies offer a combination of financial security and investment growth, allowing you to protect your loved ones while potentially increasing your long-term wealth.

Manulife UL with Vitality Plus™

Manulife UL with Vitality Plus™ is a permanent life insurance policy that not only offers security but also provides tax-advantaged investment growth and rewards for healthy living. By participating in the Manulife Vitality program, you can lower the cost of your insurance based on your engagement with the program. This policy offers flexibility and a wide range of investment options to suit your financial goals.

Manulife Par

Manulife Par is another option for individuals seeking guaranteed cash values and long-term protection. This policy allows for immediate growth of policy cash values and offers the opportunity to take advantage of certain Manulife Vitality benefits at no additional cost. With coverage starting at $100,000, Manulife Par provides a comprehensive solution to protect your family's financial security.


For those looking to accumulate wealth and plan for their estate, Manulife's InnoVision® is an ideal choice. This policy offers full-featured and flexible life insurance protection, along with a wide range of investment accounts to choose from. With over 50 investment options, you can tailor your policy to align with your specific financial goals.

Understanding the Benefits of Manulife Vitality

Manulife Vitality is a unique program offered by Manulife Financial that rewards policyholders for living a healthy lifestyle. By participating in the program, you can earn points for completing educational, fitness, and health-related activities. The more engaged you are with the program, the more rewards and discounts you can enjoy.

Insurance Discounts

By maintaining an active lifestyle and achieving certain milestones, you can earn up to a 15% annual premium or cost of insurance discount on select policies, such as Family Term with Vitality Plus or Manulife UL with Vitality Plus. These savings can significantly lower your insurance premiums and provide additional financial benefits.

Fitness Trackers & Wearables

As a Manulife Vitality member, you have the opportunity to receive an Apple Watch, Garmin device, or Fitbit at a discounted price. These fitness trackers and wearables can help you track your progress and earn even more rewards for staying active and maintaining a healthy lifestyle.

Health and Wellness Rewards

Manulife Vitality offers a wide range of health and wellness rewards, including discounts on GoodLife Fitness memberships, Les Mills On Demand subscriptions, Saucony products, HelloFresh meal delivery, and gift cards from popular brands like Amazon and Expedia. These rewards provide incentives for maintaining a healthy lifestyle and can help you save money on everyday expenses.

Choosing the Right Life Insurance Coverage

When selecting a life insurance policy, it's essential to consider your specific needs and financial goals. Manulife Financial provides various tools and resources to help you determine the appropriate coverage amount and policy type.

Speaking with an Advisor

If you need personalized advice and guidance, we offer free no no-obligation consultations that can help you navigate the complexities of life insurance. We can assess your unique situation and recommend the most suitable policies and coverage options based on your specific needs and budget.


Manulife Financial is a trusted provider of life insurance solutions in Ontario, offering a wide range of term and permanent life insurance products. With a focus on innovation and customer satisfaction, Manulife Financial goes beyond financial protection by providing the Manulife Vitality program, which rewards policyholders for healthy living. Whether you're looking for temporary coverage or lifelong protection, Manulife Financial has the right life insurance solution to meet your needs and secure your family's financial future.