We’re taking our industry leading testing limits to a new level.
Your healthiest non-smoking clients can now get coverage without fluids for all Life and Living Benefit products.
| Age | Life
Face amount |
Critical Illness
Face amount |
Disability
Monthly benefit 1 |
|---|---|---|---|
| 18-40 | $3,000,001 and up | $250,001 and up for Term 10 and Term 20 $100,001 and up for all other coverage types | $6,001 and up |
| 41-50 | $3,000,001 and up | $100,001 and up for all coverage types | $2,501 and up |
| 51-60 | $1,000,001 and up | $100,001 and up for all coverage types | $2,501 and up |
Healthstyle 3 rates will apply, HS 1 & 2 will not be available.
Applicants with a history of diabetes, heart disease, stroke or cancer, or a family history that includes any of these illnesses prior to age 50, will require fluid testing and a vitals check. Underwriters may ask for testing in other circumstances depending on a client’s risk level and doctor’s reports.
We will proactively review pending cases to see if we can waive the fluid testing that has already been requested.
1. Disability insurability evidence requirements (login required) (manulife.ca)
Life and Living Benefits Insurance products are issued by The Manufacturers Life Insurance Company. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.