Manulife Life Insurance: Coverage, Rates & Claim Denials
Manulife is one of Canada’s largest life insurance providers, offering a variety of flexible life insurance options to help Canadians protect their families and plan for the future. Whether you’re starting a family, buying a home, or preparing your estate, Manulife life insurance can provide coverage tailored to your financial needs and goals.
But understanding your options – and your legal rights – is essential.
What Is Manulife Life Insurance?
Life insurance from Manulife provides your chosen beneficiaries with a one-time, tax-free payment when you pass away—as long as the policy is active and in good standing. This payout can help your loved ones:
- Cover funeral and final expenses
- Pay off outstanding debts
- Replace lost income
- Preserve family wealth through estate planning
Depending on your policy, you may also be able to access some of the funds while you’re still alive.
Types of Life Insurance Offered by Manulife
Manulife offers multiple types of life insurance coverage:
| Product Type | Description | Best For | Example Products |
|---|---|---|---|
| Term Life Insurance | Temporary coverage for a set term (e.g., 10, 20, or 30 years). Lower cost and fixed premiums. | Young families, mortgage protection, income replacement | Family Term, CoverMe Term, CoverMe Easy Issue |
| Permanent Life Insurance | Lifelong coverage with potential cash value or investment growth. Higher cost than term. | Estate planning, wealth transfer, long-term security | Manulife Par, Manulife UL |
| Guaranteed Issue Life Insurance | No medical exam or health questions required. Fixed premiums and modest benefit amounts. | Seniors, individuals with health issues | Manulife Guaranteed Issue, CoverMe Guaranteed Issue |
| Synergy Combination Insurance | 3-in-1 policy combining life, disability, and critical illness insurance. | Self-employed, families without group benefits | Manulife Synergy |
| FollowMe Life Insurance | Individual policy available after leaving an employer-sponsored group plan. | Canadians losing group life insurance coverage | FollowMe Life |
How Much Coverage Do You Need?
Choosing the right coverage depends on your financial situation and goals. Manulife suggests considering:
- Your annual income
- Current and future debt
- Your dependants’ needs
- Existing insurance coverage
- Long-term estate planning goals
Not sure how much you need? A licensed advisor can help estimate your ideal policy based on your life stage and financial obligations.
Manulife Rates: What Affects the Cost?
Your Manulife insurance rates depend on a few key personal factors:
- Age: The younger you are, the cheaper the policy
- Health: Chronic illnesses, lifestyle risks, and medical history can increase premiums
- Gender: Statistically, women live longer than men – so they often pay less
- Occupation: High-risk jobs can result in higher premiums
Whether you’re comparing Manulife rates or shopping for general Canadian life rates, it’s always wise to get a personalized quote from the life insurer.
How to Apply for Life Insurance with Manulife
Applying for life insurance through Manulife typically involves the following steps:
- Initial consultation with a licensed advisor or broker
You can connect with a Manulife advisor directly through their website or speak with an independent broker. - Choose your coverage type
Decide between term, permanent, guaranteed issue, or a combination product like Synergy, based on your needs. - Complete a health questionnaire
Most applicants fill out a medical questionnaire to help assess eligibility and pricing. - Medical exam (if required)
Depending on your age, health, and the coverage amount, Manulife may request a paramedical exam, which can include bloodwork, urine samples, and vitals. - Application review and underwriting
Manulife reviews your information and performs underwriting. This process determines your final premium and approval. - Policy approval and activation
Once approved, you’ll receive your policy documents and can begin coverage by making your first payment.
Common Legal Issues With Manulife Life Insurance Claims
Unfortunately, not all Manulife insurance claims are approved. Samfiru Tumarkin LLP has helped thousands of clients deal with delayed or denied life insurance payouts due to:
- Alleged non-disclosure of medical conditions
- Claims of policy lapse due to missed payments
- Disputes over beneficiary designation
- Issues surrounding suicide clauses or excluded causes of death
How Our Lawyers Can Help
At Samfiru Tumarkin LLP, we understand the policies, procedures, and tactics insurers like Manulife may use. Our Life insurance lawyers have extensive experience successfully handling Manulife life insurance claims, and we help families across Canada:
- Challenge denied life insurance claims
- Navigate delays and stalled payments
- Interpret policy exclusions and fine print
- Pursue legal action when necessary
Don’t Accept a Denied Claim Without Legal Advice
If Manulife has denied your life insurance claim, or you’re facing delays or confusing paperwork, don’t give up. You may still be entitled to a full payout – even if the insurer says otherwise.
🟢 Real Results: When Florence Steele’s life insurance claim was denied after her husband’s passing, our team stepped in. Despite paying premiums for over two years, the insurance company refused to pay out—claiming there were errors in the original application.
Samfiru Tumarkin LLP took legal action and challenged the denial under Ontario’s Insurance Act. Disability lawyer Sivan Tumarkin brought national media attention to her case through Global News.
If your Manulife life insurance claim—or any life insurance payout—has been denied, don’t walk away. Contact Samfiru Tumarkin LLP for a FREE consultation. We’ll review your claim and help your family pursue the compensation you’re rightfully owed.
Related Manulife Claims
If you’re dealing with other types of denied benefits from Manulife, our lawyers can help. Explore your legal rights below:
- 🔗 Manulife Long-term Disability
- 🔗 Manulife Short-term Disability
- Manulife Critical Illness Insurance
- Manulife Mortgage Insurance
- 🔗Manulife Employee Severance Packages
Why Canadians Trust Samfiru Tumarkin LLP
Contact the life insurance lawyers at Samfiru Tumarkin LLP today for a free consultation. We’ll explain your rights, challenge the denial, and work to recover the payout your loved ones deserve.
- ✔️ Over 50,000 clients helped across Canada
- ✔️ Millions recovered in insurance and disability benefits
- ✔️ No win, no fee option available (where applicable)
- ✔️ 3,000+ Google reviews
- ✔️ Named one of Canada’s Best Law Firms by The Globe and Mail
About the Author
Sivan Tumarkin
Sivan Tumarkin is a Founding Partner of Samfiru Tumarkin LLP and Practice Leader for the firm's Long-term Disability & Personal Injury Law Group. His previous experience working for insurance companies has given him unique insight into the long-term disability claim denial and appeals process, allowing him to secure strong results for his clients.
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