Register for Advisor Portal
On this page
Instruction: Change of selection promptly shifts the focus to a matching heading further down, on the same page.
We’re the largest insurance company in Canada. With a legacy spanning over a century, we have a rich history and a commitment to empowering individuals to live longer and healthier lives. We provide a wide range of products, value, and comprehensive supports to help you guide your clients through life's uncertainties with confidence. As your insurance partner of choice, we aim to earn your trust and confidence.
Why Manulife Insurance?
Over 136 years
helping Canadians
1.4 million
total inforce individual insurance life and living benefit policies in 20231
We paid 99% of all life insurance claims submitted in 2023, totaling more than
$2.1 billion2
75%
of advisors agree that Manulife Vitality creates new client interaction opportunities and builds loyalty.3
Where will better take you
As an insurance advisor, choose Manulife to shape the future for yourself and your clients. With our commitment to excellence and a focus on innovation, where will better take you. Let's embark on this journey together.
Products
Manulife Vitality program
Differentiate your business and deepen your client relationships with Manulife Vitality, unique in the Canadian market. Manulife Vitality is a program that rewards clients for making healthy choices, including potential savings on their insurance costs, discounts on popular brands and more – and it’s available on all eligible term and permanent insurance products.
There are two ways to access the program’s benefits: Vitality Go™ and Vitality Plus™. Manulife Vitality Plus offers the most robust, maximum-value features of the program for customers who want the most rewards possible.
Explore this sales resource for a quick reference guide, conversation starters, and more.
Our product shelf
Designed to adapt to your clients’ unique and evolving needs, our insurance solutions offer products that are innovative, comprehensive, flexible, and reward healthy behaviours.
Competitive and flexible by design, Family Term with Vitality Plus™ and Family Term offer the ability for conversions to one of our impressive permanent solutions in the future.
| Vitality GoTM | Included |
| Vitality PlusTM | Eligible |
With Manulife Par with Vitality Plus™ and Manulife Par, clients can take comfort in seeing immediate growth of the policy's cash value, and feel confident the insurance plan delivers long-term protection, all with potential tax-saving advantages. Manulife Par, where strength and flexibility are the winning combination.
| Vitality GoTM | Included |
| Vitality PlusTM | Eligible |
Manulife UL with Vitality Plus™ and Manulife UL offer a comprehensive and competitive solution for permanent insurance needs, for both mid-market and affluent customers. Manulife UL provides a cost-effective entry into permanent insurance with a $25,000 minimum amount of insurance, competitive pricing, and flexibility in investment options, policy changes, and payments. Unique in the market, it offers a smoothed yield investment option that reduces the volatility and risk of investing.
| Vitality GoTM | Included |
| Vitality PlusTM | Eligible |
Manulife Guaranteed Issue Life offers lifelong protection with guaranteed premiums, no medical exams, and fast approval. Coverage ranges from $10,000 to $100,000 for clients aged 18-70; or up to $50,000 for those aged 71-75.
| Vitality GoTM | Included |
| Vitality PlusTM | N/A |
Manulife's Lifecheque® is one of the most comprehensive critical illness products available today. It offers the highest early condition payout, built-in long-term care protection, and an advance of funds to cover immediate expenses before a claim is approved.
| Vitality GoTM | N/A |
| Vitality PlusTM | N/A |
Synergy® is a unique 3-in-1 insurance product that offers your clients protection against life’s everyday risks – disability, critical illness, and death. It’s an easy-to-manage, affordable solution and is an effective supplement to many employer insurance plans.
| Vitality GoTM | N/A |
| Vitality PlusTM | N/A |
Value for you
We’re committed to supporting you and your business and have developed digital tools and resources, and optimal underwriting support, designed to save you time and help boost your sales.
Tools and resources
Our suite of e-business solutions and digital tools can enhance your workflow and streamline your processes, freeing up your time to build relationships and offer advice. Use this guide to help you navigate your journey.
Get started with these tools
Manulife Vitality Reward Simulator
Use our Rewards Tool to find out how much you could save when you reach your goals. You can also see what Vitality Status™ you would be based on your current lifestyle by using the “Build your Vitality Status” tool.
Launch tool
Underwriting excellence
We’re dedicated to securing the best underwriting solutions for your clients. Being industry leaders equips us to do this. Learn more about our underwriting team and resources for your business.
Our industry firsts and differentiators
- We’re among the few insurance companies in Canada with a proprietary Life Underwriting manual, backed by a dedicated research team. Our manual helps us to deliver true value to you and your clients.
- We were the first to insure diabetics and HIV-positive applicants.
- We were the first carrier to launch accelerated underwriting – changing the face of insurance – and the first to use AI, with MAUDE (Manulife Automated Underwriting Decision Engine). When your cases are approved on completion of the tele-interview, you’re notified instantly through a new business notification. Currently, MAUDE approves 40% of cases and we’re aiming for more.
- We have an Impaired Risk Underwriting team for diabetes, cancer, heart disease, and stroke cases.
- We continue to stay at the forefront of underwriting. We research and develop beyond medical impairments; we constantly monitor the changes in medicine, geopolitics, and the economy to anticipate underwriting changes and how we can use this knowledge to think differently.
Risky Business
Stay up-to-date on the latest underwriting trends and innovations.
Support
At Manulife, your success is our success. Our trusted experts, resources, and programs are designed to support you and your clients and help you grow your business.
Experts
Partner with our sales team for help with case design, underwriting support, and tailored solutions for your clients' unique needs. Additionally, qualifying advisors can consult our network of tax and estate planning lawyers, underwriters, actuarial consultants, accountants, and insurance specialists – all ready to support you with the best insurance solutions for your clients.
Resources
- Earn Continuing Education (CE) Credits to maintain your licence.
- Get help on how to use our digital tools with Manulife’s Insurance Digital Desk.
- Many of your clients can access their policy details and make address and banking changes 24/7 through the customer insurance portal at advisor.manulife.ca/customersite.
Recognition programs
News
| Health and dental plan updates for 2025 | March 31, 2025 |
| Performax Gold performance credit rate and Manulife UL credited rates | March 26, 2025 |
| Upcoming Changes to Nova Scotia Pension Fund effective April 1 | March 25, 2025 |
| Oura is the newest Manulife Vitality rewards partner | February 13, 2025 |
| Upgrade Alert: Garmin vívosmart 5 now available for Vitality Plus members | January 15, 2025 |
| Coming soon: Manulife Vitality Your Year in Wellness | January 15, 2025 |
1 Manulife Advisor Portal, Claims (manulife.ca)
2 Manulife Advisor Portal, Claims (manulife.ca)
3 Manulife Individual Insurance Advisor, Environics Research, July 2022