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Combination Insurance
Synergy Solution Taxation Q & A
Manulife Synergy TV Commercial

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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Combination insurance: It’s a life insurance policy, a disability insurance policy and a critical illness insurance policy all rolled into one easy-to-manage and affordable solution.

Combination insurance’s unique design offers your clients protection against life’s everyday risks: disability, critical illness and early death. It’s not just new insurance. It’s a whole new conversation about your clients’ lives.
Client benefits
With Combination insurance, your clients can:
Protect themselves against the financial impact of loss of income due to injury, illness and premature death
Get three policies with only one application; one plan to manage, one amount to pay
Address three insurance needs at an affordable price
Choose from $100,000 to $500,000 Combination insurance amount of insurance in a unique pool of money design
Plus …
When the Combination insurance solution expires at age 65, if your client hasn’t received a critical illness covered condition benefit, they have the option to purchase a  permanent life insurance plan – no medical underwriting required (limited to their remaining Combination insurance amount of insurance and ’s issue limits on the product they choose).
Synergy Solution Taxation Q & A
Manulife Synergy TV Commercial
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