Choose the plan that’s right for you….
Term Life:
Family / Business Term
- Choose from three coverage options (Term-10, Term-20 or Term Life)
- Insure multiple lives
- Apply for single, joint or combined coverage
- Renew at guaranteed rates
- Convert to equal or less permanent coverage without additional underwriting
- Add coverage using a wide range of rider
Whole Life:
Performax Gold
- Build strong long-term value over the life of the policy
- Receive a guaranteed annual Performance Credit
- Enjoy hands-off investment growth through Manulife’s Performax Gold investment fund
- Take advantage of high Deposit Option limits to build more value in early policy years
- Pay their plan in 15 years with a quick guaranteed limited pay option
- Accelerate guaranteed cash values during early policy years with the Early Cash Value Enhancer (ECVE) rider
- Make use of a tax-deferred investment account (Accumulation Account) within the policy
Universal Life:
InnoVision – Combine Permanent and Tax-Advantaged Investment Opportunities
- Leave proceeds from the policy to beneficiaries tax-free
- Choose whether to include the investment portion in the death benefit
- Select from several riders and enhancers to customize protection
- Choose how often and how much to pay
- Increase (with evidence) or decrease coverage amounts
- Insure multiple lives at or after issue
- Easily access the account value of the policy (may be subject to taxation)
Plus, with InnoVision’s tax-deferred investment options, clients can:
- Select from over 50 investment accounts to customize their portfolio
- Choose from two bonus options to earn additional interest or enjoy lower management fees on investment accounts
Security Universal – Are you under age 45?
- Use the InnoVision Advantage Option to add features and benefits offered by Manulife’s InnoVision universal life insurance
- Insure one or more people
- Access hand-picked, quality investment accounts for investing
- Enjoy guaranteed premiums and administration charges
- Simple and straightforward life insurance protection
- An affordable solution based on their existing lifestyle and budget
- Comprehensive benefits, combining permanent insurance with tax-advantaged investing
- Flexibility to enhance in the future, when needs – and financial picture – change
UltraVision –
- Maximize insurance investing opportunities thanks to automatic insurance adjustments which keep costs low and ensure tax exempt status
- Avoid monthly premiums, funding insurance costs through a guaranteed spread rate deducted from the posted interest rate for each investment account
- Select from over 50 investment accounts, with the ability to move money from one investment to another without tax implications
- Enjoy tax-advantaged growth on assets within the policy
- Leave a tax-free death benefit to beneficiaries, including the policy’s amount of insurance and the account value with its accumulated growth
- Ensure the death benefit will be at least 75% of the net deposits made into the policy, regardless of how their investments perform (making withdrawals will reduce the amount of the death benefit guaranteed
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