Manulife Synergy Combo Insurance

Manulife Synergy®

combo insurance


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

Life moves quickly. And sometimes, everyday risks we believe only happen to other people, happen to us. While physical and emotional recovery is difficult enough, the financial impact of an unexpected disability, illness or even early death can be devastating.

Insurance Plans are underwritten by


What is Synergy?

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 rolled into one package.

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.

Three-in-one solution

Your disability protection

  • Disability insurance to age 65 if you can’t work in your regular occupation because of illness or injury
  • Waiting period of 90 days (or 180 days if your income is less than $15,000)
  • Synergy payments are waived if you are on a claim for disability

Your critical Illness protection

  • Critical illness insurance to age 65 for 24 defined conditions
  • Early Intervention Benefit provides coverage for six conditions including coronary angioplasty and common types of early stage cancer
  • 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 have access to Health Service Navigator®

Your life protection

  • Term life insurance to age 65

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

Buy between $100,000 and $500,000 of Synergy. This amount creates a pool of money called Synergy amount of insurance from which benefits are paid. Whenever a benefit is paid, the available amount of insurance (or pool of money) reduces by that amount.
Clients can benefit from their available pool of money in three ways:

Disability Insurance Policy

The monthly disability benefit amount is 0.5% of the Synergy amount of insurance.

Critical Illness Insurance Policy

The covered condition benefit amount is 25% of the Synergy amount of insurance minus any Recovery Benefit paid.

Life Insurance Policy

The death benefit is 100% of the available amount of insurance.

• Aortic surgery • Aplastic anemia • Bacterial meningitis • Benign brain tumour • Blindness • Cancer (life-threatening) • Coma • Coronary artery bypass surgery • Deafness • Dementia, including Alzheimer’s disease • Heart attack • Heart valve replacement or repair • Kidney failure • Loss of limbs • Loss of speech • Major organ failure (on waiting list) • Major organ transplant • Motor neuron disease • Multiple sclerosis • Occupational HIV infection • Paralysis • Parkinson’s disease and specified atypical parkinsonian disorders • Severe burns • Stroke

Early Intervention conditions: • Chronic lymphocytic leukemia (CLL) Rai stage 0 • Coronary angioplasty • Ductal carcinoma in situ of the breast • Papillary or follicular thyroid cancer stage T1 • Stage A (T1a or T1b) prostate cancer • Stage 1 malignant melanoma

What is your risk?

The risk of critical illness is real

During their lifetime, nearly 1 in 2 Canadians will be diagnosed with cancer.

About 1 in 12 Canadian adults age 20 and over live with diagnosed heart disease.

62,000 strokes occur in Canada each year - that is once almost every 10 minutes.

The risk of disability is real

More than 6.2 million Canadians have a disability that limits their daily activities.

About 85% 6 Canadian Chiropractic Association, 2018 of Canadian adults will experience back pain at some point in their life

1 in 5 are living with arthritis

2.3 million have diabetes


Call: 1-855-561-4609

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