Your healthiest non-smoking clients can now get coverage without ﬂuids for all Life and Living Beneﬁt products.
Monthly benefit 1
|18-40||$3,000,001 and up||$250,001 and up for Term 10 and Term 20 $100,001 and up for all other coverage types||$6,001 and up|
|41-50||$3,000,001 and up||$100,001 and up for all coverage types||$2,501 and up|
|51-60||$1,000,001 and up||$100,001 and up for all coverage types||$2,501 and up|
Healthstyle 3 rates will apply, HS 1 & 2 will not be available.
Applicants with a history of diabetes, heart disease, stroke or cancer, or a family history that includes any of these illnesses prior to age 50, will require ﬂuid testing and a vitals check. Underwriters may ask for testing in other circumstances depending on a client’s risk level and doctor’s reports.
We will proactively review pending cases to see if we can waive the ﬂuid testing that has already been requested.
1. Disability insurability evidence requirements (login required) (manulife.ca)
Life and Living Beneﬁts Insurance products are issued by The Manufacturers Life Insurance Company. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its aﬃliates under license.