E

Manulife UL with Vitality Plus

Sample rider
Term insurance rider PL
This sample policy contract is provided for your information only.
It is not a valid contract or an offer of insurance.
M
SA
TIR See Section 11 for definitions of the terms we use in this document

Term insurance rider with Vitality Plus (TIR)

Manulife Vitality Plus uses the insured person's Vitality Status to determine the percentage of savings on the
cost of insurance for each TIR coverage.

Each TIR coverage insures the life of one person and pays a death benefit if the insured person dies before
the TIR coverage ends, as described in this rider.

This rider uses certain terms in specific ways. The definitions of these terms are part of this rider. See the
section called Definitions in your Policy provisions for a complete list of terms.

See your Policy summary for details of each TIR coverage, including amount of insurance, rider coverage
costs and expiry dates.

Death benefit

E
The death benefit for each TIR coverage is the amount of insurance for that coverage shown in your Policy
summary. Any death benefit we pay under this rider is subject to the Suicide exclusion described below.

Your right to name a beneficiary

PL
You have the right to name and change your beneficiary or beneficiaries for each TIR coverage. When a
death benefit is payable, we pay that death benefit to each beneficiary according to your instructions. If you
haven’t named a beneficiary, we pay the death benefit to you or to your estate.

You can change a beneficiary at any time before the insured person’s death, as long as the change is
allowed by law. However, if you have named an irrevocable beneficiary, you can’t make a change without
that beneficiary’s consent.
M
Suicide exclusion
We don’t pay the death benefit as described in the section called Death benefit if the insured person, dies by
suicide within two years of the day we issued or last reinstated the TIR coverage, whichever is later. Instead,
SA

we pay a reduced death benefit.

The reduced death benefit equals the costs that have been paid for the TIR coverage since the date it was
issued or last reinstated, whichever is later. We show this date as the coverage issue date in your Policy
summary.

Changing your cost type

You can apply to change the cost type of a TIR coverage to a cost type that is renewable for a longer term.
When we approve the change, we terminate the original TIR coverage and issue a new TIR coverage.

The new TIR coverage insures the same person as the original TIR coverage. The amount of insurance
provided by the new TIR coverage is the same as the amount of insurance provided by the original TIR
coverage.

When you can apply to change your cost type

You can apply to change the cost type before the 5th coverage anniversary of the TIR coverage.

2000-1150 | 022 11 12E Manulife UL with Vitality Plus Page 2

TIR See Section 11 for definitions of the terms we use in this document

How to apply to change to your cost type

You must submit an application to change your cost type. We do not require evidence of insurability, but
the change is subject to our administrative rules.

Rules that apply to changes to your cost type

The insured person must meet our minimum and maximum age requirements for the new TIR coverage,
based on our administrative rules.

The amount of insurance provided by the new TIR coverage cannot be below the minimum we allow for the
new cost type.

If we approve your application to change your cost type, your TIR coverage costs may increase. We base the
new TIR coverage cost on:
l the rates in effect for the new cost type on the new coverage date

l the age of the insured person on the birthday nearest to the new coverage date

l the personal information shown in your Policy summary for the original TIR coverage

E
The new TIR coverage takes effect on the policy anniversary that is on or immediately after the day we
approve the change. We refer to this date as the new coverage date in this section. The original TIR
coverage ends at 11:59 p.m. on the day before the new TIR coverage takes effect. If the insured person dies
before the new TIR coverage takes effect, we cancel your application to change the cost type. Savings on the
TIR coverage cost based on the insured person’s Vitality Status start again on the first coverage anniversary
after the change takes effect.

PL
If we apply the suicide exclusion to the new TIR coverage or question the validity of your new TIR coverage,
we use the date we issued or last reinstated the original TIR coverage, whichever is later. See the section
called Suicide exclusion in this rider or How we respond to misrepresentation or nondisclosure in your Policy
provisions for more information.

The new TIR coverage includes any limitations to our liability that apply to the insured person covered by the
original TIR coverage, as well as any limitations we regularly include in TIR coverages being issued with the
M
same cost type for people of the same age, sex, insurance rating, and smoking status or comparable risk
category.

Your conversion benefit

SA

You can convert all or a portion of the insurance provided by a TIR coverage to new permanent life
insurance, as described in our administrative rules. The insured person does not need to provide evidence of
insurability.

If you convert a portion of the insurance provided by a TIR coverage, the amount of insurance provided by
that TIR coverage decreases by the amount you convert. If you convert all of the insurance provided by a TIR
coverage, that TIR coverage ends, as described in the section called When a TIR coverage ends.

When you can apply for conversion

You can apply for conversion before the conversion expiry date, subject to our administrative rules. We show
the conversion expiry date in your Policy summary.

How to apply for conversion

To apply for conversion, you must submit an application along with the first payment required for the new
insurance. Any irrevocable beneficiary and collateral assignee, or hypothecary creditor under the Quebec
Civil Code, must consent in writing to the conversion.

2000-1150 | 022 11 12E Manulife UL with Vitality Plus Page 3

TIR See Section 11 for definitions of the terms we use in this document

Rules that apply to conversion

The new life insurance must be one of the following:
l a new coverage on an existing permanent life insurance policy with us, subject to our administrative rules
l a new permanent life insurance policy offered by us on the date you apply for the new life insurance

We issue your new life insurance as a single life coverage, with the same insured person as the TIR coverage.
The amount of insurance provided by the new life insurance can’t be more than the amount of insurance
provided by the TIR coverage.

The insured person must meet our minimum and maximum age requirements for the new life insurance you
want to buy, based on our administrative rules.

The amount of insurance provided by the new insurance coverage:

l must be within our minimum and maximum limits for the product you choose

l cannot increase over time

We base the cost of the new life insurance on the insured person’s age on the birthday nearest the effective

E
date of the new life insurance and on their personal information shown in your Policy summary. If the new
life insurance is joint first-to-die, we calculate the joint age based on our administrative rules for that new
life insurance.

We issue the new life insurance with the smoking status or comparable risk category of the TIR coverage.

PL
The new life insurance includes any limitations to our liability that apply to the insured person covered by
the TIR coverage, as well as any limitations we regularly include in policies being issued on the same plan for
people of the same age, sex, insurance rating, and smoking status or comparable risk category.

If we apply the suicide exclusion to the new life insurance or question the validity of your new life insurance,
we use the date we issued or last reinstated the TIR coverage, whichever is later. See the section called
Suicide exclusion in this rider or How we respond to misrepresentation or nondisclosure in your Policy
provisions for more information.
M
Adding riders to your new life insurance
The new life insurance cannot include any riders unless you provide evidence of insurability satisfactory to
us.

When the new life insurance takes effect

SA

The new life insurance takes effect on the monthly processing day after we approve your application.

If the person to be insured by the new life insurance dies before it takes effect, we cancel your application
for new life insurance and refund all payments you have given us for it.

2000-1150 | 022 11 12E Manulife UL with Vitality Plus Page 4

TIR See Section 11 for definitions of the terms we use in this document

When a TIR coverage ends

Each TIR coverage ends on the earliest of the following dates:
l the first monthly processing day that occurs on or after the day we receive your written request at our

Canadian head office to cancel a TIR coverage

l at 11:59 pm the day before any new life insurance takes effect, if

l you convert the TIR coverage, or

l you convert a portion of the amount of insurance provided by the TIR coverage and the amount of

insurance that remains after conversion does not meet our minimum amount of insurance requirement
for a TIR coverage
l the day we cancel your policy or TIR coverage or deny a claim, as described in the section called How we
respond to misrepresentation or nondisclosure in your Policy provisions
l the day the insured person dies
l the TIR coverage expiry date shown in the Policy summary

When your TIR ends

E
This TIR ends on the earliest of the following dates:
l the first monthly processing day that occurs on or after the day we receive your written request at our

Canadian head office to cancel this rider

l the day the last TIR coverage on this rider ends

l the day your policy ends

PL
M
SA

2000-1150 | 022 11 12E Manulife UL with Vitality Plus Page 5