Manulife UL with Vitality Plus™

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^{** Vitality® dividends are not available if your premium duration is pay to age 100.}

^{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 3 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 3, Apple Watch Series 11, and Apple Watch SE 3 require iPhone 11 or later with iOS 26 or later. Wireless service plan required for cellular service. 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 3 is $329, which is comprised of monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Series 11 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 3 is $1,099, comprised of an initial payment of $770 plus 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.}

^{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 program is available with select policies and to eligible customers only. Please consult your financial representative to learn more and determine whether the program is appropriate for your circumstances.}

^{Eligibility for the program, including access to rewards, benefits, discounts, and services, is subject to applicable terms, conditions, limitations, and exclusions. Eligibility criteria, reward structures, and available partner offers may change at any time and are not guaranteed over the full life of the insurance policy or program participation.}

^{All rewards, discounts, or partner offers are subject to applicable third-party terms and conditions, including eligibility requirements, redemption criteria, availability, and any limitations imposed by the applicable partner. Manulife does not guarantee the ongoing availability of any reward, product, or service offered through the program.}

^{Program participation and access to certain features may require the use of a mobile device, internet access, or other technical requirements. System requirements and digital functionality may change over time.} 

^{For full program details, including current eligibility requirements and redemption criteria, please visit: Manulife Vitality member offer disclaimers}

^{Vitality, Vitality Go, Vitality Plus, and related marks are trademarks of The Vitality Group International Inc. and are used by The Manufacturers Life Insurance Company and its affiliates under licence.}

^{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.}