What is Synergy®?

Synergy® is the first product of its kind in Canada. It's an affordable, 3-in-1 solution that provides life, disability and critical illness insurance or financial protection that will let your family maintain its lifestyle if your income becomes interrupted through illness, injury or death.

What are the Advantages of Synergy®?

As a life insurance policy, a disability insurance policy and a critical illness insurance policy all rolled into one package, Synergy® provides a number of advantages including:

  • Unique — its pool of money concept provides protection across three needs
  • Easy to manage — fill out one application, manage one plan, pay one amount
  • Affordable — address three risk areas with one cost effective solution
  • Flexible — choose from $100,000 to $500,000 in Synergy® protection

Who It’s For

Do you have a mortgage? Normal debt load? Perhaps a family? The need to protect your income? Then Synergy® is designed for you. 

It’s the kind of insurance you’ve been looking for—protection from three different risks, at an affordable price.  

For instance, Synergy® funds can be used to replace lost income, pay off or fund payments on a mortgage, retire other debts or even establish an education or emergency fund—whatever you wish.  

How it Works

At the core of Synergy® is a revolutionary pool of money concept. By using the pool of money approach, Synergy provides solid insurance protection across three risk areas—at an affordable price. 

  • You can buy from $100,000 to $500,000 of Synergy, called your Synergy amount of insurance.
  • The amount of insurance you buy creates a pool of money called your available amount of insurance.
  • Whenever a benefit is paid, your available amount of insurance reduces by that amount.
  • Offers protection until your available amount of insurance is reduced to zero, or at age 65, whichever is first.

Learn more about Manulife Synergy® insurance today. 

Talk to an Expert

If you’re looking for an affordable, easy, all-in-one insurance solution that provides life, disability and critical illness protection, our Insurance experts are ready to help you. Working together, they can help you find a solution that protects you and your family no matter what life throws at you.   

Visit us at any branch, by email to or call 1.800.806.2332 to learn more about how we can help you.