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Competitive Underwriting
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Agent and Broker Companion (ABC) -- Your guide to underwriting impairments. |
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Manulife's Temporary Insurance Agreement -- Providing generous interim coverage & insurability lock-in. |
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New Business Update -- Minimum face amount on Term plans now $750,000. Find out what this means for you and your clients by downloading this flyer today.
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Manulife's Underwriting Guidelines Just Got More Competitive!
Now, Improved Cardia/Atheroscleosis Offers, New Minimum Rating for Table 1, and Elimination of some Short-Term Temporary Medical Flat Extras will result in more competitive offers on your customer's challenging cases. |
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Manulife Offers Insurance to U.S. Residents Traveling Abroad
Manulife is pleased to introduce a special program that offers coverage to permanent U.S. residents that intend to travel to foreign countries for up to three years. |
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Why Let Manulife Underwrite Your Large Cases?
High retention limits. One of the industry's highest automatic reinsurance capacities. Specialized experience.
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Underwriting Older Age
We are the older age specialists. We offer a Special Older Age Preferred Program for ages 71 to 90 with age specific criteria and an innovative, less obtrusive way of gathering information. |
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Comprehensive Jumbo Case Management Program
Backed by extensive experience in handling large cases, and in-depth knowledge that comes from being one of the first to develop and offer survivorship life insurance. Our underwriting specialists help you to avoid reinsurance gridlock while lining up large amounts of coverage. |
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Enhanced Preferred Criteria
We pride ourselves on our competitive and progressive Underwriting, and we are excited to announce liberalized aviation and avocation preferred criteria. |
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Superior Retention Limits* and Automatic Reinsurance Capacity*
Our retention is $10 million on individual cases and $15 million on survivorship. Manulife can make final decisions on cases up to and including $50 million.
*These are graded down at older ages and/or higher substandard ratings for certain risk characteristics.
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Standard Non-Smoker Rates for Smokers
Currently all individual permanent products plus Survivorship Universal Life 2002 have a feature whereby preferred and standard cigarette smokers qualify for standard non-smoker rates for the first three policy years. This feature does not apply to term plans, Venture Survivorship Variable Universal Life, or PWL95 in New Jersey. |
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Informal Query Program
This allows you to obtain a preliminary underwriting assessment before formal evidence of insurability has been completed. |
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A Kick Start sm, for the Application
Kick-StartSM, our telephone application process, is an easy and convenient way to begin the life insurance application process. |
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