Key takeaway
Manulife Vitality is a wellness rewards program that integrates with Manulife term life insurance policies. By earning points through healthy activities — exercise, preventive health screenings, and healthy food purchases — policyholders can earn premium discounts of up to 25% and rewards like gift cards, hotel discounts, and fitness device savings.
How the Vitality points system works
After purchasing a Manulife Vitality-eligible term life policy, you earn Vitality Points through activities like gym workouts, steps tracked via a fitness device, annual health screenings, flu vaccinations, and nutrition programs. Points accumulate throughout the year.
Based on total points earned, you are assigned a Vitality Status — Bronze, Silver, Gold, or Platinum. Higher status levels unlock greater premium discounts and additional rewards. The status resets annually, so engagement must be maintained to keep the discount.
Premium savings by Vitality status level
Bronze status provides a modest discount of approximately 5% to 10% off the standard premium. Silver increases to roughly 10% to 15%. Gold reaches approximately 15% to 20%. Platinum — the highest tier — can deliver up to 25% premium savings.
On a $500,000 20-year term policy costing $40/month at standard rates, Platinum status could reduce premiums to approximately $30/month — a savings of $120/year or $2,400 over the 20-year term.
What activities earn the most points
Physical activity tracking (via Apple Watch, Fitbit, or Garmin) provides ongoing daily points. Annual health screenings and dental checkups earn large one-time point bonuses. Participating in the Manulife vitality health review earns additional points.
The program is designed so that someone who maintains moderate physical activity (150+ minutes per week), completes annual preventive screenings, and tracks their activity consistently can reach Gold or Platinum status without extreme fitness commitments.
Eligibility and policy requirements
Manulife Vitality is available on select Manulife term life insurance policies — not all Manulife products qualify. You must specifically purchase a Vitality-enabled policy, which may have a slightly different base premium than standard Manulife term coverage.
The program requires ongoing engagement. If you purchase a Vitality policy but do not participate in the program, your premiums may be higher than a standard non-Vitality policy from the same insurer. Participation is key to realizing the savings.
Rewards beyond premium discounts
In addition to premium savings, Vitality members earn rewards including discounts on Apple Watch purchases (up to 40% off over 2 years), Starbucks and Amazon gift cards, hotel booking discounts through Expedia, and discounts at fitness and wellness retailers.
These rewards are funded by Manulife's partnership ecosystem and add tangible value beyond the insurance product itself. However, the premium discount is the most financially significant benefit.
Is Vitality worth it compared to non-Vitality policies
For policyholders who maintain an active lifestyle and engage consistently, Vitality can deliver meaningful savings over the life of the policy. The break-even point is typically Silver status — at that level, the savings match or exceed any base-premium difference.
For applicants who are unlikely to track activities or complete health screenings, a standard term policy from any competitive insurer may offer a lower net cost. Compare Manulife Vitality quotes alongside non-Vitality quotes from multiple carriers to determine the best overall value.
Frequently asked questions
How much can Manulife Vitality save on life insurance?
Up to 25% off premiums at Platinum status, which translates to savings of $1,200 to $2,400+ over a 20-year term depending on the policy.
Do I need a fitness tracker for Manulife Vitality?
A compatible fitness tracker or smartwatch is strongly recommended to earn daily activity points, which are the primary pathway to higher status levels.
Can I add Vitality to an existing Manulife policy?
Generally no. Vitality must be selected at the time of purchase on a Vitality-eligible product.
What happens if I stop participating in Vitality?
Your status drops to Bronze and you may pay higher premiums than a comparable non-Vitality policy. Continued engagement is required to maintain savings.