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Premium Refund Rider - It Pays to Stay Healthy
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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.


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Premium Refund Rider - It Pays to Stay Healthy

Your ability to earn a living is key to a bright financial future.

That’s why the decision to buy disability insurance is so important. A disability insurance policy can help keep you on your feet financially, even if you can’t stay on your feet physically. 

Of course, you hope that you’ll never have to rely on your disability policy. So what happens if you stay in good health?
Manulife offers a special feature that refunds your premiums if you remain healthy.
Every eight years, we will refund a portion of your premiums if you make few or no claims on your disability policy.
Use the money to prepay future premiums or take it in cash – the choice is yours!
Highlights of Premium Refund Rider
■ Refunds every eight years, if few or no claims
■ Two options available: Maximum Refund Amount of four or five times the initial annual premium
■ Refund is non-taxable on personally-owned policies
■ Partial refunds available upon death or age 65 At the end of each refund period, the Maximum Refund Amount can be increased to reflect any premium increases

Simply dial 416-835-8805 for details.

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