Free Apple Watch.
Lower Premiums.
Gift Cards.
Life insurance that actually pays YOU back
What is Manulife Vitality?
Manulife Vitality in Canada is a wellness program available with select Manulife life insurance policies. It goes beyond traditional insurance by rewarding you for making healthier lifestyle choices.
You can earn Vitality Points for everyday activities, like walking, working out, getting enough sleep, or completing health assessments and screenings. As you accumulate points, you unlock rewards such as savings from popular brands, gift cards, and even the opportunity to earn a free Apple Watch through the Vitality Active Rewards program.
Enjoy Exclusive Rewards
Here's what you can get:
Wearable devices: Earn a free or discounted payments on Apple Watch, Oura Ring 4, Garmin fitness tracker
Savings: Feast your eyes on these rewards from our partners!
- Save up to $1,000/year with Expedia
- Get a $99 Amazon gift code to use at Amazon.ca
- Get a free paramedical exam from ExamOne®
- Save up to 30% on Adidas® sportswear
- $40 off a WHOOP membership and 20% savings on WHOOP apparel and accessories
- Fitness savings from GoodLife Fitness, Orangetheory Fitness and Les Mills+
- Save on healthy meal kits with HelloFresh
Gift cards: You can win gift cards from Tim Hortons, Starbucks, Walmart, Amazon.ca, and Winners/Marshalls/Homesense
What our clients say
about us
I couldn't get cheaper health insurance even if I tried. It was easy to apply and I got it approved within a couple of days. I would recommend it to other first time applicants like myself!
Incredible! PolicyAdvisor took the time to fully explain everything about the policy and made the application super easy. The Vitality program is a great bonus - I love earning rewards for staying healthy!
I was skeptical at first, but PolicyAdvisor made getting life insurance with Vitality benefits straightforward. The Apple Watch incentive was a great perk and now I'm saving on premiums too!
Lower your insurance costs while getting healthier
One of the biggest benefits of Manulife Vitality Plus is the money you save on your insurance premiums every single year.
In Year 1, you automatically save 10% just for joining—no points required.
From Year 2 onwards, your savings grow based on how active you are. The more Vitality Points you earn, the higher your status level climbs, and the more you save:
The best part? These savings are applied automatically to your premiums based on your earned points—no paperwork, no hassle.
So how do you earn those points and unlock bigger savings? Let's break it down.
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SCHEDULE A CALLYour complete guide to earning Vitality points
Manulife Vitality rewards you for making healthy choices. From daily activities like walking and sleeping to annual health screenings and preventive care, there are countless ways to rack up points. The more points you earn, the higher your Vitality Status (Bronze, Silver, Gold, Platinum)—unlocking better rewards and bigger insurance savings. Here's your breakdown of how to maximize your points and reach your health goals while earning valuable rewards.
| Points | Activity | Frequency |
|---|---|---|
| 100 | Certification (First-aid, CPR training) with proof upload | Once per year |
| 200 | Dental screening | Once per year |
| 200 | Flu shot | Once per year |
| 200 | Pap smear | As recommended |
| 200 | Colorectal screening | As recommended |
| 200 | Mammogram | As recommended |
| 200 | Skin cancer screening | Once per year |
| 400 | COVID-19 vaccination | Up to twice yearly |
| 500 | Meditation using compatible app (15+ min sessions) | Up to 10 points/day |
| 500 | Complete Vitality Health Review (VHR) | Once per year |
| 700 | Online nutrition and health education courses | As available |
| 900 | Healthy sleep: 7-9 hours tracked nightly | Up to 5 points/day |
| 1,000 | Non-smoker declaration | Once per year |
| 1,040 | Weekly goals check-in via the app | 20 points/week × 52 weeks |
| 1,500 | Participation in athletic events or sports leagues | Per event/season |
| 4,500 | Vitality Check health screening or ExamOne/Dynacare paramedical exam | Once per year |
| Up to 6,000 | Physical activity tracked daily (steps, exercise duration, heart rate) | Up to 30 points/day based on intensity |
Daily points you can earn
Standard Workout
Earn 20 points
Advanced Workout
Earn 30 points
Standard workouts earn you 20 points per day. This is where most active members fall, hitting a solid daily routine. Qualify by walking 10,000-14,999 steps per day, exercising at 60% or more of your maximum heart rate for 30-44 minutes, burning 200-299 calories during a workout, or working out at a fitness club for 30 minutes or more.
Advanced workouts earn you the maximum 30 points per day. For the fitness enthusiasts and dedicated athletes, this level recognizes your commitment. Reach this by walking 15,000+ steps per day, exercising at 60% or more of your maximum heart rate for 45 minutes or more, or burning 300+ calories during a workout.
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Exclusive access to premium partner savings
When you get Manulife Vitality through PolicyAdvisor, you unlock exclusive access to premium partners offering savings and rewards across multiple categories. From fitness equipment and activewear to healthy meal services, travel bookings, entertainment, and wellness products, these partnerships are designed to support your healthy lifestyle while saving you money. These aren't just generic offers—they're valuable savings that can add up to hundreds or even thousands of dollars per year. As your insurance advisors, we'll help you understand which partner benefits align best with your lifestyle, ensuring you maximize every reward opportunity available through your Manulife Vitality membership.
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