Manulife Seasons 100: whole life insurance coverage
Get lifelong protection and guaranteed cash benefits—so you can enjoy peace of mind today and confidence for every milestone ahead.
What is Manulife Seasons 100?
Manulife Seasons 100 is a whole-life traditional insurance plan that helps you stay financially secure in a world that never stands still. This plan reflects your priorities and keeps you financially secure through life's changing seasons. Discover how your life today—and the future you're building—can thrive with protection that stays strong for life.
Plan key benefits and features
Manulife Seasons 100 offers lifelong protection and financial benefits that support your long‑term goals. Key features include:
Lifetime protection – Guaranteed whole life insurance coverage up to age 100.
Guaranteed maturity benefit – A lump‑sum payout equal to the coverage amount when you reach age 100.
Guaranteed cash payouts – Periodic cash benefits (Prime variant) beginning as early as the end of 10th policy year.
Cash value growth – Accumulates cash value life insurance over time that you can access under policy terms.
- Flexible premium options – Choose how long you pay premiums (e.g., 5 and 10) based on your financial plan.
- Non‑guaranteed dividends – Potential additional earnings on top of base coverage.
- Optional riders – Add extra protection (e.g., accident, critical illness) to enhance your coverage.
- Non‑forfeiture options – Retain some of the policy’s features and benefits if you choose to stop paying premiums (per policy provisions).
Plan options and comparison
You can choose a plan that fits your priorities, today and tomorrow.
| Manulife Seasons 100 | Manulife Seasons 100 Prime | |
Guaranteed Life Insurance Coverage until age 100 |
100% of your basic life insurance coverage | 200% of your basic life insurance coverage |
| Guaranteed Lump-Sum Cash Benefit Celebrate a life well-lived with a guaranteed lump sum at maturity—giving you or your family a lasting financial resource for life's important needs. |
100% of your life insurance coverage at age 100 | 200% of your life insurance coverage at age 100 |
| Guaranteed Cash Payouts Receive regular cash benefits starting at the end of your 10th policy year, giving you the flexibility to manage expenses or create meaninful experiences at life's important milestones. |
N/A | 10% of your Face Amount every three (3) years, starting at the end of your 10th policy year |
Who should consider Manulife Seasons 100?
This plan adapts to your needs throughout different life stages, providing long-term protection and guaranteed benefits.
1. Starting a family
Goal: Secure your family’s future.
Solution: It offers whole life insurance coverage with a guaranteed lump-sum payout at age 100 to ensure financial security for your loved ones.
2. Planning for retirement
Goal: Ensure a stable retirement.
Solution: It provides life insurance and regular cash payouts until age 100 to help with retirement expenses while leaving a legacy.
3. Building wealth
Goal: Protect your investments and legacy.
Solution: Build wealth with guaranteed life insurance and cash value while protecting your family and business.
4. Legacy planning
Goal: Leave a lasting legacy for your family.
Solution: It offers guaranteed life insurance with a lump-sum payout at age 100 that ensures financial security for future generations.
Frequently asked questions
You can access the cash value (funds built up in the policy) once it has accumulated over time, and as permitted by the policy terms, such as loans against your whole life insurance plan. Manulife Seasons 100 is designed so you can use cash values for emergencies when available in the policy.
You can add optional riders (e.g., critical illness, accident) to Manulife Seasons 100 when you apply or as allowed during policy issuance, subject to underwriting approval.
With whole life insurance like Manulife Seasons 100, you can choose to pay premiums for a set period (e.g., 5 and 10) or continue paying until age 100, depending on the premium term selected in your policy.
Cash value depends on the plan design, age of the insured, premium term chosen, and policy performance. Actual values should be presented to you by your financial advisor.
Whole life insurance plans like Manulife Seasons 100 offer tax advantages, such as tax-free death benefits for your beneficiaries. Additionally, the policy’s cash value accumulation may grow on a tax-deferred basis, which allows you to accumulate wealth without immediate taxation.
Want to learn more about Seasons100?
Talk to a financial advisor today
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