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 Navigator

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: