Building and preserving wealth together.


Synergy: Life + Disability + Critical Illness

A one-of-a-kind, three-in-one solution

Synergy offers the protection of a three-in-one solution: a life insurance policy, a disability insurance policy and a
critical illness insurance policy – all in one package.

Your disability protection
Your critical illnes protection
Your life protection
Disability insurance to age 65 if
you can’t work in your regular
occupation because of illness
or injury
Critical illness insurance to age
65 for 22 defined conditions
Term life insurance to age 65
Waiting period of 90 days (or
180 days if your income is less
than $15,000)
Early Intervention Benefit
provides coverage for the early
stages of ductal carcinoma in situ
of the breast, stage A (T1a or
T1b) prostate cancer and
coronary angioplasty

Synergy payments are waived if
you are on a claim for disability
Recovery Benefit provides fast
access to a portion of your
benefit so you can get started on
your recovery sooner

You and your eligible family
members have access to
Manulife’s Health Service

Option to purchase a Manulife permanent life insurance policy using your remaining amount of available insurance at age 65 – without medical underwriting.*
*Available provided you have not received a critical illness covered condition benefit and is limited to your remaining amount of insurance. Also subject to Manulife’s minimum limits for the product you choose.

Your Synergy critical illness policy covers 22 conditions:

  • Cancer
  • Coronary Artery Bypass Surgery
  • Heart Attack
  • Stroke (cerebrovascular accident)
  • Alzheimer’s Disease
  • Aortic Surgery
  • Benign Brain Tumour
  • Blindness
  • Coma
  • Deafness
  • Heart Valve Replacement
  • Kidney Failure
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Transplant
  • Major Organ Failure (on waiting list)
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s Disease
  • Severe Burns

Early Intervention conditions:

  • Coronary Angioplasty
  • Ductal carcinoma in situ of the breast
  • Stage A (T1a or T1b) prostate cancer

What’s your risk?

All too often we hear about someone we know who has to face the unexpected. It’s hard to believe, but it could
happen to us when we least expect it.

The risk of dying before age 65 is relatively low for many people. And yet, we often feel an obligation to protect
those we love from that risk.

Factor in the risk of disability or a critical illness before age 65 and the picture changes. Dramatically. And while
thankfully, recovery is often the outcome, these claims can be devastating to the financial future of you and your family.

Synergy is:

  • Easy to manage – fill out one application, pay one amount
  • Affordable – address three risk areas with one cost-effective solution
  • Unique – its pool of money concept provides protection across three needs
  • Flexible – choose from $100,000 to $500,000 in Synergy protection

Welcome to Synergy — here for you when life happens.  Refer to the Guide for particulars.

Let us help you.  Contact your Advisor or our office to review your insurance needs.

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