Get fit with Vitality

Family Term with Vitality™ is term life insurance that allows you to earn rewards and save on your payments – all while improving your health. Earn Vitality Points™ and Vitality Status™ when you complete educational, fitness and health-related activities.

The more engaged you are with the program and live a healthy lifestyle, the more rewards you can enjoy:

  • Opportunity to save on your future insurance rates**
  • Personalized health goals and a free monitoring device to check on your progress
  • Rewards and discounts – including a chance to win Vitality Points or Amazon.ca Gift Cards when you reach your Vitality Active Rewards™ weekly target.

The Manulife Vitality program

We want you to live your longest, healthiest life. And we’ll be by your side to support – and reward – your path to healthy living. With Manulife Vitality, living healthy is the key to greater savings and rewards.

Know your health Expand/Collapse

Your Vitality Age is an indication of your overall health, and depending on your day-to-day choices, could be higher or lower than your actual age. You can improve your Vitality Age over time through healthy living.

What’s your Vitality of Age™?

Improve your health Expand/Collapse

Track your everyday healthy activities through a customized, goal-oriented program to encourage and inspire healthier choices. The Manulife Vitality program offers simple tips and convenient easy-to-use tools such as wearable devices to help track your activities.

Learn more about Vitality Points.

Earn rewards Expand/Collapse

Start earning Vitality Points for routine activities you may already be doing – walking, going to the dentist and reading online health articles. The more points you earn, the higher your Vitality Status, and the greater your potential rewards and discounts.

Learn more about Program rewards.


Get your Apple Watch Expand/Collapse

The Manulife Vitality program now offers Vitality Active Rewards with Apple Watch* so you can enjoy rewards for active living! Become a Manulife Vitality member and get Apple Watch* from just $39. Then fund the balance by tracking activities to earn Vitality Points.

Once enrolled, you can:

1.  Get Apple Watch

Order Apple Watch online for an initial payment plus any applicable taxes and upgrade fees for case and band selections.

2.   Get Active

Track your monthly activity using Apple Watch* and the Manulife Vitality program mobile app to measure your activity and earn Vitality Points.

3.   Get Rewarded

The more points you earn monthly, the less you’ll pay! You can pay as little as $0 each month when you reach your Vitality physical activity targets through Standard or Advanced Workouts.

Getting active pays off!

Your monthly payment depends on how many Vitality Points you earn each month, over a 24-month period.

Earn 500 points in one month and the cost is $0!

Apple Watch

Initial Payment*

Monthly Payment

0 Pts

240 Pts

360 Pts

500 Pts

Apple Watch Series 3 (GPS)
38 mm

$ 39

$ 13.75

$ 10.25

$ 6.75

$ 0

Apple Watch Series 4 (GPS)
40 mm

$ 99

$ 17.50

$ 14.00

$ 9.00

$ 0

Plan features Expand/Collapse

  • Your beneficiaries receive a tax-free, lump-sum benefit after your death
  • Choose $500,000 to 20 million in coverage
  • Stay protected for a term of 10 or 20 years (renewable to age 80) or to age 65 or 100.

Optional add-ons**:

  • Get protection in case of serious injuries or accidental death
  • Have flexibility–premium payments could be waived if you become disabled
  • Guarantee your future eligibility for life insurance
  • Help protect your children and position them to get their own life insurance and critical illness insurance in the future

Resources Expand/Collapse

Ready to buy?

If you’re ready to buy Family Term with Vitality™ insurance, or if you have questions, speak to our Insurance Planner.

Gulf and Fraser Insurance Services Ltd. is a wholly-owned subsidiary of G&F Financial Group. This website is for informational purposes only and is not intended to provide specific insurance, financial, investment, tax, or other advice to you, and should not be acted or relied upon in that regard. We encourage you to seek personalized advice from a qualified professional. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada

Family Term with Vitality™ is issued by The Manufacturers Life Insurance Company. The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality, Vitality Status, Vitality Active Rewards and Vitality Points are trademarks of Vitality Group International, Inc., and are used by The Manufacturers Life Insurance Company and its affiliates under license. Points levels for each Vitality Status and activity are subject to change. Eligibility for specific rewards or participation in specific reward programs may vary depending on the province of residence, Vitality Status, and/or the type and in force status of Manulife Vitality insurance policy that is held.

*Initial payment does not include applicable taxes or upgrades which may include cellular models. Tax on initial payment is based on the retail value of Apple Watch.  Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.Apple Watch Series 4 (GPS + Cellular) requires an iPhone 6 or later with iOS 12 or later. Apple Watch Series 4 (GPS) requires an iPhone 5s or later with iOS 12 or later. Apple Watch Series 3 (GPS + Cellular) requires an iPhone 6 or later with iOS 11 or later. Apple Watch Series 3 (GPS) requires an iPhone 5s or later with iOS 11 or later.

**Above features may be subject to terms and conditions