Home Term Life Personal Accident Income Protection FAQ

Who is eligible to apply?

All persons to be insured must be residents of Canada and under 61 years of age. Members in good standing of the Chemical Institute of Canada are eligible to apply for Member coverage. To apply for Spouse and/or Child coverage, the member must be insured for Member Term Life and/or Member Personal Accident insurance. Children must be unmarried, dependent on the member for support, and over 14 days and under 19 years of age, or under 23 years of age if in full-time attendance at a school or university.


How do I apply?

Applying is easy. Click on “GET AN APPLICATION” on the right side of the screen. Print the application, fill it out and mail it, along with payment, to Manulife Financial at P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. You may also request an application by calling a customer service representative at the phone number below.


When does the insurance take effect?

Insurance will take effect on the date the completed application, satisfactory evidence of insurability and required premium are received by Manulife Financial, subject to the final approval of the company’s underwriters. Once you are approved, you will receive a certificate of insurance specifying the coverage provided and outlining the main policy provisions. In the event you are not insurable, a full refund of premium will be made.


What if I’m not satisfied with my coverage?

If you are not completely satisfied with your coverage, simply return your insurance certificate to Manulife Financial within 30 days of receiving it and any premium paid for the coverage will be promptly refunded.


I have life insurance through work. Isn’t that enough?

The coverage you get through your work plan is often not enough because it only covers a flat amount or percentage of your salary. And if you leave your job, you’re no longer covered.


Can you tell me more about Manulife Financial?

Manulife Financial is a leading Canadian-based financial services group serving millions of clients in 22 countries and territories worldwide. For more than 120 years, clients have looked to Manulife for their most significant financial decisions. Manulife’s international network of employees, agents and distribution partners offers financial protection and wealth management products and services. These products and services include individual life insurance, group life and health insurance, long-term care services, pension products, annuities, mutual funds and banking products. Manulife provides asset management services to institutional customers worldwide and offers reinsurance solutions, specializing in life and property and casualty retrocession.

The Company operates in Canada and Asia through the brand name “Manulife Financial” and in the United States primarily through the brand name “John Hancock.”



Get an application

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