If you are familiar with disability insurance, you already know that it's a must for your working clients. But for some occupations, it can be difficult to qualify, quite costly and getting coverage can be a lengthy process. And what about your clients that aren't working?

Personal Accident Disability Insurance is a portfolio of guaranteed renewable products that help you 'build' accident and sickness protection coverage best suited for your client's individual needs.

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Personal Accident Disability Insurance Tutorial

Your clients can have protection against unexpected costs or income lost if disability strikes - with Manulife's easy-to-apply-for Personal Accident Disability Insurance and Cash Hospital.


Personal Accident Disability Insurance offers monthly benefits if an accident or sickness results in total or partial disability for:

  • Income replacement.
  • Funding for medical costs.
  • Income and business expense coverage for self-employed individuals.

Benefit payments for an accident begins as early as the first day or after 30 days, or 120 days from the onset of the disability. Benefit payments for a sickness are available from 15 days retroactive, or after 30 days, or 120 day elimination periods.

The Cash Hospital Plan offers daily benefits if your client is hospitalized as a result of an accident or sickness. Benefit payments begin as of the first day of hospitalization, up to a maximum of 365 days.