Universal Life Insurance

Universal life insurance is the most flexible life insurance available today. You can customize your plan when you buy it, or easily make changes later on. And universal life offers you the opportunity for tax-advantaged investing. This gives you the chance to increase your wealth by investing money within your policy. 
And only Manulife Financial offers you the ultimate universal life insurance solution. We give you two products to choose from, ensuring your needs are met today, tomorrow and into the future.

Security UL -- our easy-to-understand, easy-to-manage universal life insurance.

InnoVision -- the perfect choice for personal and business insurance for estate preservation and maximizing wealth accumulation.

Security UL

Security UL is easy-to-understand, easy-to-manage universal life insurance. Many call it the “pure protection” universal life plan. While it does offer six investment accounts, its focus is on its affordable permanent insurance.
  • Flexibility to customize your plan to meet your individual needs. With Security UL you can insure one or more people, add extra benefits or change your coverage in the future.
  • Access to quality investment accounts. Security UL has a mandate to be easy to understand and manage. That’s why the investment accounts available are hand-picked to offer you the safety and security of simple accounts and some equity-linked accounts that offer you the potential to increase wealth if you choose.
  • Guarantees that give you added peace of mind. We have built several guarantees into Security UL – so you can buy the insurance with the confidence of knowing things won’t change. Your premiums are guaranteed not to increase, we guarantee administration charges won’t change and we offer an investment account that guarantees you a minimum interest rate for the life of the policy.
  • Information to manage your policy. With Security UL, you can choose how much information you need about your policy. You will receive a colourful, informative statement up to four times a year or if you want more immediate information, you can track your investments with our universal life website.
  • Potential for lower premiums with our Healthstyles program. Healthstyles is a better way of determining what you should pay for your life insurance. We look in greater detail at your health and lifestyle and reward your healthy living with improved rates.
  • Rewards for keeping your policy long-term. The Security UL Bonus gives you extra interest on the money you keep in your policy once you’ve reached the 5th policy anniversary.
And only Security UL offers you the opportunity to enhance your plan by adding the features and benefits provided by Manulife’s other universal life insurance, InnoVision.

Each Security UL plan includes the InnoVision Advantage Option. It is your choice whether or not you ever want to “exercise” this option. But having it available gives you extra peace of mind. If your needs change in the future and you want to focus less on pure protection and more on wealth accumulation, you can include InnoVision’s features and benefits to your policy, including those that give you the opportunity to maximize your wealth.

InnoVision

Life insurance can meet complex financial needs for you, your business and your family. InnoVision goes one step further by combining flexible life insurance with:
  • Custom - designed protection
  • A variety of investment accounts
  • Superior benefits and services
For example, you can use InnoVision for:
  • Retirement and estate planning
  • Tax deferral
  • Partner/shareholder buyouts
  • Executive compensation plans
InnoVision's strength is the package of benefits, which helps ensure your needs will be met today and tomorrow. That package includes professional advice, the ability to custom design solutions that are supported by quality service and all of this backed by the performance and strength of one of the leading companies in the Canadian insurance marketplace.

When you own an InnoVision or Security UL policy, you’ll also appreciate the first-rate design of the universal life policy statement, making it easier for you to find what you need to know. You can request a UL statement at any time.
#102, 9802 97 Avenue
Grande Prairie, AB
T8V 7K2

Bus: 780-532-4400
Toll Free: 800-654-3684
Fax: 780-539-6669

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Disclaimer:
  • Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments.
  • Please read the fund's simplified prospectus before investing.
  • Mutual fund securities are not guaranteed, their values change frequently and past performance may not be repeated.