Meet Jason

Jason, 42, purchases $250,000 of Synergy. Eight years later he's injured, can't work and claims a monthly benefit on his disability insurance policy.

Jason’s claim

Jason's monthly disability benefit is 0.5% of $250,000 = $1,250.

Over the course of his time off work, Jason receives monthly disability benefits totaling $22,500.

Jason's available amount of insurance is now $227,500.


If Jason dies before his Synergy solution expires at age 65, and makes no other claims against his Synergy solution, the death benefit for his life insurance policy is 100% of his available amount of insurance, or $227,500.

Future protection option

At age 65, Jason has the option of converting his remaining available amount of insurance - $227,500 in this case - to a permanent life insurance policy, with no medical underwriting required.*

The amount of permanent insurance you can purchase - without medical underwriting - is limited to your remaining available amount of insurance and Manulife's minimum limits for the product you choose.


* This option is not available if you have received a critical illness covered condition benefit.

Meet Lisa

Lisa, 38, has just returned to work after spending a few years raising her two young children. She buys $300,000 of Synergy. Ten years later, Lisa is diagnosed with a covered critical illness. Lisa claims a covered condition benefit on her critical illness insurance policy.

Lisa's claim

Lisa's covered condition benefit is 25% of $300,000 = $75,000.

Lisa's available amount of insurance now becomes $225,000.


If Lisa dies before her Synergy expires at age 65, and makes no other claims against her Synergy solution, the death benefit for her life insurance policy is 100% of her available amount of insurance, or $225,000.

A second claim

If Lisa makes a disability claim prior to age 65, she is eligible to receive a monthly disability benefit.

Lisa's monthly disability benefit is 0.5% of $300,000 = $1,500.

If, over the course of her time off work, Lisa receives monthly disability benefits totaling $12,000, her available amount of insurance now becomes $213,000.

This new available amount of insurance become's Lisa's death benefit should she die before her Synergy expires at age 65.