Guaranteed acceptance at a low cost

An affordable way to give your loved ones extra security.

• Your acceptance is guaranteed. Unlike most life insurance coverage, the Guaranteed Issue Life Insurance plan does not require any medical underwriting. That means that as long as you are a Canadian citizen age 40 to 75, your acceptance is guaranteed – no matter what your health, you can apply for coverage levels from $5,000 up to $20,000. No medical questionnaire is required. You cannot be turned down for any reason! Simply apply online now. Your spouse can apply for coverage on the Application Form at the same time you do.
• Benefit increases to five times the coverage amount, if accidental death occurs before age 85: Depending on the amount of coverage you have, your beneficiaries could receive up to $100,000!
• Includes a Living Benefit – at no additional cost: You’ll gain the added security of knowing that if you are diagnosed with a terminal illness, you can apply to receive a cash advance of up to 50% of the life insurance benefit, provided coverage has been in force for at least two years. You can use the money however you wish.
• Coverage is guaranteed renewable up to age 95: When your application is approved, your coverage is guaranteed renewable up to age 95 – without the need for any additional medical information. At age 95, you continue to be insured – without paying another premium again!
• Coverage cannot be cancelled: Your coverage cannot be cancelled for any reason, including changes in your health, as long as your premiums are paid. Of course, you can choose to cancel this protection at any time.
• Rates are guaranteed not to increase: Unlike some other life insurance coverage, your Guaranteed Issue Life Insurance plan rates will not increase as you get older guaranteed! Your rates will never increase and that your coverage will never decrease – throughout the entire term of your coverage.
• 30-Day Satisfaction Guarantee: Once you receive your Insurance Policy, examine it carefully. If you decide that you are not completely satisfied, simply return your Policy to Manulife Financial within 30 days of receipt to have your coverage cancelled and your premiums refunded in full – no questions asked!