Manulife UL with Vitality Plus™

Universal life insurance

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What is Manulife UL with Vitality Plus?

Manulife UL with Vitality Plus offers the same value and flexibility of Manulife UL with the additional rewards and benefits of Manulife Vitality. It’s unlike any permanent life insurance plan you’ve seen before.

Get insurance that's easy to understand and manage. It's universal life insurance that lets you:

  • Enjoy tax-advantaged investment growth
  • Leave a tax-free legacy for your loved ones
  • Build account value you can access at any time (withdrawals may be taxed)
  • Choose how involved you want to be in managing your money
  • Reduce volatility by investing in a smoothed-yield investment option
  • Earn higher returns on managed accounts than the corresponding designated retail fund
  • Accelerate account value growth with competitive management fees
  • Create collateral you can use for a bank loan
  • Choose premiums that increase annually or choose to pay insurance costs that don’t increase
  • Earn rewards for healthy living with Manulife Vitality Plus™

Do you already have a universal life policy?

More value with Manulife Vitality Plus

With this permanent life insurance plan, you’ll have access to the maximum benefits of the Manulife Vitality program – giving you permanent insurance that allows you to earn rewards and save on the cost of your insurance for making healthier choices.

Earn points when you complete educational, fitness and health-related activities. The more engaged you are with the program and live a healthy lifestyle, the more rewards you can enjoy.  

What benefits are available with Manulife Vitality Plus?

  • The opportunity to reduce the cost of your insurance
  • Personalized health goals
  • The opportunity to get an Apple Watch from just $0 to record your progress
  • The ability to earn hundreds of dollars in rewards and discounts on popular brands  
Comparison of Manulife Vitality Plus and Vitality Go
  Manulife Vitality Plus Manulife Vitality Go
Insurance discounts
Insurance savings2

Save 10% on annual premiums or cost of insurance in your first year and up to 15% in subsequent years if you have Family Term with Vitality Plus or Manulife UL with Vitality Plus.

Save 5% in your first year and up to 10% in subsequent years with health and dental plans.

 N/A
Fitness trackers & wearables
Apple Watch3 Earn a free or discounted Apple Watch. N/A
Garmin Free Vivofit 4 or 30% off other models. 30% off select models.
Fitbit Free Fitbit Inspire 3™, or up to 40% off select products. Up to 40% off select products.
WHOOP $40 off a 12- or 24-month membership, plus save 20% on apparel and accessories. $40 off a 12- or 24-month membership, plus save 20% on apparel and accessories.
Manulife Vitality rewards
Health screening – ExamOne® Free at-home paramedical screening. N/A
GoodLife Fitness 25% off individual one-year membership. N/A
Orangetheory Fitness® Save up to $60 per month on membership. N/A
Les Mills On Demand 30-day free trial & special rates on monthly subscriptions. 30-day free trial & special rates on monthly subscriptions.
adidas Save up to 30% off sportswear. Save 15% off sportswear.
HelloFresh Up to $154 in savings per program year. N/A
Gift cards from popular brands Win from active rewards. Win from active rewards.
Amazon Prime™ $99 gift code for the value of a one-year Prime membership or use towards purchases on Amazon.ca. N/A
Expedia™ Save up to 50% on two bookings per program year.* Save 10% on 1 booking per program year.
Vitality® dividend The potential for a Vitality® dividend each year, based on your Vitality Status (only applicable to members with Manulife Par with Vitality Plus)** N/A

Product details

Here’s what you get with Manulife UL with Vitality Plus:

  • Up to 1% rate enhancement guarantee
  • Choice of a wide range of investment account options including an investment account linked to the Performax Gold Investment Fund, offering a 1% minimum guarantee
  • Competitive management fees
  • Access to the maximum-value rewards and discounts that Manulife Vitality has to offer when you make healthier choices

Ready to buy?

If you’re ready to buy Manulife UL with Vitality Plus, or if you have questions, speak to your advisor. If you don’t have an advisor, we can help you find one.

Find an advisor

Resources

How much insurance do you need?

Explore our tools to make sure you have the right insurance to protect you and your loved ones.

Manulife UL with Vitality Plus brochure guide

For a closer look at Manulife UL with Vitality Plus, download our brochure.

Also consider

Term life insurance
Critical illness insurance

*Expedia is not a participant in or sponsor of this promotion.

** Vitality® dividends are not available if your premium duration is pay to age 100.

2 Savings on insurance costs are in comparison to the same Manulife life insurance policy without Vitality Plus. The level of savings on insurance costs will vary based upon the Vitality Status achieved by the life insured. Savings on insurance costs are only available on Family Term with Vitality Plus and Manulife UL with Vitality Plus. Manulife Par with Vitality Plus offers the potential for Vitality Dividends. Maximum savings on Manulife Vitality with health and dental insurance plans is 10%.

3 Free Apple Watch refers to Apple Watch SE with $0 initial payment (plus tax) and $0 monthly payments earned by accumulating 500 Vitality Points through Standard or Active Workouts every month for 24 months. Initial payment does not include applicable taxes or upgrades which may include cellular models. Tax on initial payment is based on retail value of Apple Watch. Apple Watch Ultra 2, Apple Watch Series 10, and Apple Watch SE require iPhone Xs or later with iOS 18 or later. Wireless service plan required for cellular service. Contact your service provider for more details. Connection may vary based on network availability. Check apple.com/watch/cellular for participating wireless carriers and eligibility. See support.apple.com/en-us/HT207578 for additional setup instructions. Eligibility for specific rewards or participation in specific reward programs may vary. Apple Watch and iPhone service provider must be the same. The full value of the Apple Watch SE is $329, which is comprised of monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Series 10 is $549, comprised of an initial payment of $220 plus tax, then monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Ultra 2 is $1,099, comprised of an initial payment of $770 plus tax, then monthly payments of $13.70 per month over 24 months. Each monthly payment can be reduced to as little as $0 depending on how many Vitality Points you earn. Apple is not a participant in or sponsor of this promotion. Apple Watch is a trademark of Apple Inc. All rights reserved.

Conditions apply. Contact a studio near you for full details. Orangetheory® and other Orangetheory® marks are registered trademarks of OTF IP Holder, LLC. © Copyright 2024 OTF IP Holder, LLC and its affiliates.

Insurance products are issued by The Manufacturers Life Insurance Company. The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. The Manulife Vitality program is available with select policies. Vitality, Vitality Status, Vitality Active Rewards and Vitality Points are trademarks of Vitality Group International, Inc., and are used by The Manufacturers Life Insurance Company and its affiliates under license. Points levels for each Vitality Status and activity are subject to change. Eligibility for specific rewards or participation in specific reward programs may vary depending on the province or territory of residence, Vitality Status, and/or the type and in-force status of Manulife Vitality insurance policy that is held.

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