Applicants must be members of the Canadian Armed Forces(serving, retired or released), their spouse or adult child OR members of the CFOne Community with a valid CFOne card. All applicants must be from 18 to 70 years old, a Canadian resident at the time of application and physically in Canada.

No medical tests are normally required at the time of application. If the applicant is age 64 and under and can answer "no" to the medical questions, they may not have to undergo a paramedical/medical tests at the time of application.

If you’re between the age of 18 and 60 years old you can choose this premium payment option allowing you to complete your premiums payments in the first 20 years. If purchased early on, it can help you avoid paying premiums during your retirement. Review the associated premium rate charts for this payment option.

Members of the Canadian Armed Forces can contact their SISIP Advisor, or apply directly online on this website.

Members of the CFOne community with a valid CFOne card can apply directly online on this website. If you have any questions, or require assistance, you can contact a Manulife representative at 1-855-834-7030. If you do not have a valid CFOne card, please call 1-855-245-0330. Please note: If you are a CAF member but also have a CFOne card, please apply as a CAF member with your CAF service number and if you need assistance, please reach out to a SISIP advisor.

CAF members (spouses and adult children) should use their CAF service number to apply. If you need assistance, please reach out to a SISIP advisor.

A beneficiary is the person (or people), trust or institution that you designate as the recipient of your coverage amount. In Quebec, a beneficiary designation in favour of a spouse is irrevocable unless otherwise stated.

By naming a beneficiary, you will ensure your money will go where you want. This simple move can save your loved one’s time — and money.
When applying online, your beneficiary is automatically designated to your Estate. Once approved for coverage, you will receive a beneficiary form in your Welcome Kit.  
Please fill out and sign this form and mail back to Manulife. The beneficiary form is also available online. It’s important to keep track of this information, review annually and update your beneficiary if needed.

Your coverage will start on the date we receive your completed application, provided that:

  • You are a resident of Canada and meet the age requirements
  • You are insurable on that date in accordance with our underwriting rules; and the first premium due is paid
  • When reviewing your application, if we find that you do not qualify for this coverage, we will notify you immediately and refund any premium paid.

If you are considering replacing an existing individual term or permanent insurance policy, we recommend that you contact a SISIP Advisor (CAF members and their families) at 1-800-267-6681 or a Licensed Manulife Advisor at 1-855-834-7030 (all other members of the CFOne community) to compare the features of both plans so that you can decide which one best meets your needs.

A death benefit is the amount paid to your beneficiary if you die while your life insurance plan is in effect. A living benefit is the amount paid to you when you meet certain conditions. For example, you may receive part of your life Insurance death benefit while you are alive if you are diagnosed with a terminal illness with less than 12 months to live.

For your employee Group Benefit Insurance plans, you will find information on at