Manulife Synergy® insurance
A single insurance solution can help address multiple financial protection needs as life changes.
3-in-1 life, disability and critical illness protection
Helping protect your family means safeguarding the life you lead and the people you love, should something happen to you. You can help cover everyday risks with 3-in-1 life, disability and critical illness insurance from Synergy. If you can’t work because of injury, illness or premature death, you can draw on the pool of money through your Synergy policy to:
- Replace your income
- Cover your mortgage and debts
- Supplement gaps in your employer’s group plan
Manulife Synergy insurance plan features
-
You choose $100,000 to 500,000 in coverage
-
You receive disability, critical illness and/or life insurance benefits
-
Convert your insurance to a permanent solution until age 65
Optional add-ons:
- Add term life insurance: 10-year renewable or term to age 65
- Help protect children up to age 25: add life and critical illness insurance
Eligibility for Manulife Synergy insurance
Before applying for Manulife Synergy insurance, it's helpful to understand the basic eligibility requirements and available coverage options.
- Age requirement: Manulife Synergy insurance is available to eligible applicants between 18 and 50 years of age.
- Underwriting: Your application is subject to a single underwriting process for all included coverages.
- Coverage amount: You can choose a coverage amount between $100,000 and $500,000, depending on the available policy options.
To learn more about eligibility requirements or determine whether Manulife Synergy insurance is right for you, connect with a Manulife advisor.
Choose Synergy for affordable life, disability and critical illness protection in one easy-to-manage policy
- Enjoy simplicity–one application, one premium and one policy
- Experience a faster and easier underwriting process
- Receive your payout faster, with some of your benefit available before the end of the waiting period
- Convert your insurance to a permanent solution until age 65
Make informed health care decisions for you and your loved ones with Manulife’s trusted Medical Second Opinion.
Medical Second Opinion is offered through and is a registered trademark of Manulife (The Manufacturers Life Insurance Company). Medical Second Opinion is powered by WorldCare Inc. WorldCare and The WorldCare Consortium are trademarks of WorldCare Limited, used under license.
Ready to buy our Synergy insurance?
If you’re ready to buy Synergy insurance, or if you have questions, speak to your advisor. If you don’t have an advisor, we can help you find one.
Need assistance?
-
Submit a claim
Start a health, dental, life, disability or critical illness insurance claim. Visit our Claims centre to begin.
Start a claim -
Update personal information
You can update your personal information (e.g., name, address, bank account details, automatic payment details, marital status) by completing one of our forms.
Find your form on our support page -
InsureRight
Try out our InsureRight calculator to make sure you have the right insurance to protect you and your loved ones.
Learn more
Frequently asked questions
Whether Manulife Synergy insurance is more cost-effective than purchasing separate insurance policies depends on your individual coverage needs and circumstances. Rather than comparing costs, Synergy combines life insurance, disability insurance, and critical illness insurance into one policy with a single application, one underwriting process, and one premium, making it simpler to manage. An advisor can help you compare your options and determine the coverage that's right for you.
Yes. Manulife Synergy insurance includes features that can help support changing insurance needs over time. Depending on your policy, you can choose your coverage amount, add optional coverage, and convert your insurance to a permanent solution until age 65.
To get a quote for Manulife Synergy insurance:
Step 1: Speak with a Manulife advisor.
Step 2: Discuss your coverage needs and available options.
Step 3: Choose a coverage amount that fits your needs.
Step 4: Ask questions about the application process.
Step 5: Use Find an advisor if you don't already have one.
-
Get support -
Contact us