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Insured Retirement Program
Corporate Insured Retirement Program
Live your whole life

Jake Jun Qiao, Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), Member of Million Dollar Round Table (MDRT). Please contact me for any financial planning inquires.


Position: Home - Life Insurance hello - WARTROZ FR - Non-Participating
Live your whole life

What do you want from yoor life insurance? 

Insurance protection? Wealth accumulation? Hands-off management? If you answered
"all of the above" then Performax Gold is the perfect choice.
Manulife's Performax Gold gives you permanent lifetime protection with guaranteed cash values. Its unique product features help you increase your plan’s values and maximize your wealth on a tax-deferred basis. And with Performax Gold, you can leave the policy management to us.
With all of this, it’s easy to see that Performax Gold is about much more than life insurance – it’s a powerful tool to help you reach your long-term financial goals.

Start with a base and the sky’s the limit 

When you choose Performax Gold, your policy starts with your base insurance coverage which provides lifetime coverage for the insured(s). And, as long as there is enough value in the policy to cover the costs, this amount is guaranteed.
You can also increase your insurance coverage (subject to underwriting) or add additional layers of insurance coverage onto the amount you purchase originally.
You have several ways to increase the value in your policy. You can add the Early Cash Value Enhancer rider to help you increase your guaranteed cash values in the first 20 years of the coverage and still accumulate high long-term cash values. You can also take advantage of the Deposit Option which lets you make additional payments into your policy to build up your policy values. Term Option is an additional amount of insurance coverage supported by your annual Performance Credit (see below). Your advisor can provide more details on these options and riders.

Change in plans? Change your coverage 

You may have heard your advisor talk about flexible insurance. This means a policy can be changed to suit your particular needs – it’s not a one-stop solution for everyone.  We take great pride in our ability to provide flexible insurance solutions and for Performax Gold, flexibility is key. 
You can update your coverages* as your lifestyle or business needs change. Performax Gold allows you to:
• Have up to 20 coverages on one policy
• Combine both single (insuring one person) and joint coverages (insuring two or more people) in one policy
• Increase or decrease existing coverage or even add new coverage as your needs change.
* all coverage changes are subject to underwriting approval.

 Giving credit when credit’s due

 How often in life do you get paid just for owning something? With Performax Gold, your policy earns a yearly Performance Credit that helps increase your policy’s cash value.
The amount of the Performance Credit varies by the amount and coverage type and by the performance of the Performax Gold Investment Fund. Your contract provides details on how we calculate the credit. We do guarantee that none of the components that make up the Performance Credit will ever be less than zero.
Simply dial 416-835-8805 for details.


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