Synergy

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Synergy: It’s a life insurance policy, a disability insurance policy and a critical illness insurance policy all rolled into one easy-to-manage and affordable solution. Synergy’s unique design and special features including access to a medical second opinion through WorldCare, offers your clients protection against life’s everyday risks.

With Synergy, your clients can:

  • Address three insurance needs rolled into one easy-to manage, affordable plan
  • Purchase a permanent life insurance plan at age 65 – no medical underwriting required*
  • Stop paying premiums while on claim for a disability
  • Immediate access to a highly trained and experienced Registered Nurse Case Manager and exclusive access to teams of specialists from top-ranked hospitals to review your client’s medical condition to ensure correct diagnosis and the optimal treatment plan

Synergy illustration tool

Rates to Go

We have enhanced the Medical Second Opinion service, provided by WorldCare, that is included on all Synergy policies. A Medical Second Opinion provides valuable advice to your client and their physician(s) if they have received a diagnosis for a serious condition. It will ensure they have the correct diagnosis and treatment plan, leading to better health outcomes and faster recovery. Enhancements to this service include:

  • 100+ and growing list of eligible conditions (does not need to be a covered critical illness condition) A full list of eligible conditions is available on the WorldCare site.
  • Expanded offering to include a second opinion to the insured, their spouse/dependent, and their parent/in-law
  • For patients diagnosed with cancer, WorldCare will also provide personalized mental health guidance from a psychiatrist, psychologist, or oncological counsellor

With the enhanced Medical Second Opinion service, we are discontinuing Health Service Navigator and the services not related to second opinions. This includes online health resources and navigation, medical coordination services, and finding a family doctor.

For more information, see the client brochure below or visit Manulife.ca/MSO.

Designed to help middle-income Canadians ages 18 to 50 reduce the financial impact of income loss due to injury, illness and premature death, Synergy may be ideal for:

  • Mortgage and debt protection
  • Supplementing gaps in group disability, critical illness and life insurance coverage
  • Stay-at-home and non-income earning parents and spouses

Clients can benefit from their available pool of money in three ways:

Disability Insurance Policy Critical Illness Insurance Policy Life Insurance Policy
The monthly disability benefit amount is 0.5% of the Synergy amount of insurance.** The covered condition benefit amount is 25% of the Synergy amount of insurance minus any Recovery Benefit paid. The death benefit is 100% of the available amount of insurance.

Customize Synergy with optional riders:

  • Term Insurance Rider – (10 year renewable and convertible to age 65)
  • Child Protection Riders (Life and critical illness)

Advisors should complete the short version of our Manulife E-Application, using Family Term as the product category and T10, single as the coverage type, for the same face amount. Next, advisors should attach a Synergy illustration, selecting Other as the document type. We’ll change the product to Synergy on our end and underwrite as usual. Any underwriting decision provided for the life insurance coverage should be ignored, as they will all be reviewed by an underwriter for Synergy coverage as applied for.

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