If you can’t cover the bills, who will? Synergy from Manulife is an affordable 3-in-1 insurance solution that provides life, disability, and critical illness coverage to help protect your family should something happen to you.

1. The need for
New graphic to come
Name, DESIGNATION
Title, Company Name
Date

2. What if your paycheque
was interrupted by
2

3. • Illness
• Injury
• Death?

4. Who will cover the
mortgage?
4

5. Other bills

6. Worried?
6

7. You’re not alone

8. Because for young,
middle-income
Canadians …
8

9. • The risks are real
• The financial impact
can be serious

10. Here’s what
the research
reveals

11. Manulife spoke to young, middle-income
Canadians
New graphic to come

12. Who are they?
1
12

13. • Homeowners
• Age 30 to 50
•
Annual household income
$50,000 to $150,000

14. They’re in debt
1
14

15. have a mortgage
have $100,000 to $500,000
in personal debt, including
their mortgage
15

16. Are they worried
about illness
or injury?
1
16

17. Given their current insurance coverage,
surveyed Canadians said they were very
or somewhat concerned about …
17

18. 68%
Being diagnosed
with a serious
disease requiring
treatment or a
recovery period
18
67%
Suffering a
serious injury
and unable to
work for an
extended period

19. • Are they worried about
their income?
•Many Canadians live
paycheque to paycheque
19
2

20. A delay in pay for as little as one week
would cause financial difficulty for
20

21. If a major,
unexpected event
occurred, how would
they cover expenses?
21

22. For many, it’s
insurance
22

23. Some simply
don’t know
23

24. Relying on:
Insurance coverage
Personal savings
Retirement savings
Help from family
Borrow money
Don’t know
24

25. If most are depending on
insurance to cover financial
gaps due to disability, illness
or death …
25

26. Do they have the right
coverage?
26

27. Is the risk real?
New graphic to come

28. Disability for 90
days or more before
age 65?
3
28

29. 29

30. Duration of long term
absence from work
due to illness or
disability?
4
30

31. 31

32. Risk of critical illness,
disability or death?
32

33. Likelihood for a 30 year
old non-smoker of one of
the following happening
before age 65
5
33

34. 34

35. Likelihood for a 30 year
old non-smoker of at least
one of critical illness,
disability, death
5
35

36. 36

37. Likelihood for a 30 year
old couple of at least one
person becoming critically
ill, disabled or dying
before age 65
37

38. 38

39. That’s why Manulife created
New graphic to come

40. Manulife saw a need to provide young,
middle-income Canadians with a
• unique
• simple
• money-saving
insurance solution

41. Synergy is
innovative
41

42. Synergy
integrates life, critical illness and disability
insurance within a single product package
Life
Disability
Insurance Policy
Insurance Policy
Critical
Illness
Insurance Policy

43. • 1 application
• 1 plan to manage
• 1 amount to pay

44. Protecting your income
may be one of the best
investments you make

45. Synergy can help

46. manulifesynergy.ca
46

47. The Manulife Financial survey was conducted with 1,000 Canadian homeowners between the ages of 30 to 50 with household income of $50,000
to $150,000 per annum. It was conducted online by Research House from March 7 – 15, 2011.
1
2
2011 National Payroll Week Employee Survey, Canadian Payroll Association, prepared by Framework Partners Inc., July, 2011.
3
A guide to disability insurance, Canadian Life and Health Insurance Association Inc., August 2009.
4
Marshall, Katherine, On Sick Leave, from Perspective on Labour and Income, Statistics Canada 2006.
The risk information is for illustrative purposes only, intended to show the relative risk of at least one person out of a group of two persons,
consisting of one male and one female life, dying, becoming critically ill or disabled before age 65. The underlying individual probabilities are
consistent with the Synergy risk calculator. The combined probabilities assume independence of death, disability and critical illness events between
the two lives, which may not reflect the true correlation of these events for a given set of lives.
5
The percentages shown are based on a mixture of incidence rates from studies of both the insured and general population, which do not
necessarily represent the same critical illness covered conditions or definitions of disability and critical illness conditions as contained in the
Synergy disability policy and the Synergy critical illness policy and are not necessarily representative for any given insured person. Factors that may
contribute to an individual's risk of critical illness, disability or death include family history, lifestyle and environment.
Data is current as of March 2012. Percentages have been rounded.
Data sources:
Mortality probability based on the Canadian Institute of Actuaries’ CIA9704 gender and smoker distinct mortality tables. Disability probability based
on the 1985 Commissioner’s Individual Disability Table A gender distinct incidence tables for Occupation Class 2A, 90 day waiting period. Critical
illness probability based on combined incidence rates for Cancer (“New cases for ICD-03 primary sites of cancer: 2002-2007”) and the Heart and
Stroke Foundation of Canada (“The Growing Burden of Heart Disease and Stroke in Canada, 2003”). The probability of dying, becoming critically ill
or disabled before age 65 was determined by projecting claims experience to age 65 using these incidence rates and determining the probability of
at least one event occurring. The probability of at least one event occurring is less than the sum of the
probabilities for all three events, as individuals may incur multiple events.
47

48. Thank you