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Get fit with Vitality

With Manulife Vitality, living healthy is the key to greater savings and rewards.

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. 

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


Would you like to get started?

Talk to an Insurance Planner.

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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 gift cards when you reach your Vitality Active Rewards™ weekly target


Plan features


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**


Guarantee your future eligibility for life insurance


Have flexibility—premium payments can potentially be waived if you become disabled


​Get protection in case of serious injuries or accidental death


Help protect your children and position them to get their own life insurance and critical illness insurance in the future


Know your health

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 Age™?

Improve your health

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

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 rewards.

Get your Apple Watch.

Manulife Vitality offers Vitality Active Rewards™ so you can enjoy rewards for active living!

Become a Manulife Vitality member and get an Apple Watch* from just $39. Then fund the balance by tracking activities to earn Vitality Points™.


Getting active pays off!

Once enrolled, you can:

  1. Get an Apple Watch
    Order your 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 the 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.

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

Gulf and Fraser Insurance Services Ltd. is a wholly-owned subsidiary of Gulf & Fraser. 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.

Ready to get fit with Vitality?

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