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Manulife disability insurance products overview
Disability insurance helps protect your client’s income if they become disabled and can’t work. Whether your client needs to secure their main source of income or supplement the coverage they receive from their employer or an association, Manulife can help by providing a comprehensive and portable plan they can rely on throughout their working years. And specialty business protection solutions are also available for small business owners.
Manulife’s disability portfolio includes products and solutions for full-time, part-time or home-based workers, professional students/graduates, and even non-working Canadians. An individual disability insurance plan can help your clients financially so they can concentrate on recovering and returning to an active life.
Compare our disability solutions to find the best fit for your clients
| Proguard Series | Venture Series | ExpenseComp | Buy-Sell Plus | Personal Accident | |
| Target Market | Executives and professionals | Small business owners and employees | Small business owners | Small business owners | Self employed, working, non-working |
| Ideal for | Comprehensive income protection | Affordable and reliable income protection | Reimburse business expenses | Fund a business buy-out agreement | Monthly income replacment for self-employed, employed |
| Issue ages | 18 – 60 (age nearest) | 18 – 60 (age nearest) | 18 – 60 (age last) | 18 – 55 (age last) | 5 to 80, age last |
| Premium structure |
Level, guaranteed to age 65 Guaranteed renewable after age 65 if insured continues to work full-time (subject to change in premiums) |
Level, guaranteed to age 65 Guaranteed renewable after age 65 to age 75 if insured continues to work full-time (subject to change in premiums) |
Level, guaranteed to age 65 Guaranteed renewable after age 65 if insured continues to work full-time (subject to change in premiums) |
Level, guaranteed to age 63 | Designed to be level to age 90; however, premiums can be changed on
a class basis. |
| Occupation classes | Classes 4S, 4A, 3A, 2A |
Classes 4S, 4A, 3A, 2A, A, B (For permanent part-time workers, occupation classes 4A, 3A, 2A only.) |
Classes 4S/4A, 3A, 2A, A | Classes 4S/4A, 3A, 2A | Refer to Financial and Medical Underwriting Guide |
Our team of insurance wholesalers are ready to deliver value through case support, revenue-producing ideas and advice.
More disability insurance comparisons and tools:
Living Benefits at a glance (MK1797) (PDF)
Disability insurance needs analysis (MK1715) (PDF)
Rates to go online rate calculator1
Underwriting Guide for Disability Insurance2 (MK3079) (PDF) (you’ll need to be logged in to view)
Occupation Schedule2 (PDF) (you’ll need to be logged in to view)
PADI – Financial and Medical Underwriting Guide (PDF) (you’ll need to be logged in to view)
PADI – Simple Steps to Determine Insurable Income & Monthly Benefits (PDF) (you’ll need to be logged in to view)
PADI – Product and Rate Guide (PDF) (you’ll need to be logged in to view)
PADI – Sales Guide (PDF) (you’ll need to be logged in to view)
1For Venture Series only
2For non-cancellable products only