Illustration date:

February 3, 2025

InsureRight

About you
Tell us about you and your family
Palak Moh

Age 20 21

Gender Female Male

Single or with a partner With a partner

Smoking status Non-smoker Smoker

Employment status Employed Employed

Annual income (before tax) $50,000 $60,000

How many children do you have? 1 1

Do you have enough money to send your children to college Yes Yes
or university?

The Manufacturers Life Insurance Company

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 Illustration date:
February 3, 2025

Life insurance needs analysis

How much money do you need to cover your debts and expenses?
Palak Moh

Amount to pay off your mortgage or set up a rent fund: $1,000,000 $1,000,000

Amount to pay off other debts: $0 $0

(Include your credit card and line of credit balances, car
loans, etc.)

Amount for final expenses: $0 $0

Amount to save for post-secondary education: $1,000,000 $1,000,000

$0 x 4 Years x 1 children
$0 x 4 Years x 1 children

Amount for child/home care: $0 $0

$0 x 0 Years x 0 children
$0 x 0 Years x 0 children

Other cash needs: $0 $0

Total debts and expenses: $1,000,000 $1,000,000

How much income will your family need if you die?

Palak Moh

Annual household income: $110,000 $110,000

Percentage of annual income your family will need if you die: 60% 60%

Subtotal: $66,000 $66,000

Partner’s available income: $60,000 $50,000

Annual CPP/QPP benefits: $0 $0

Annual income shortage: $6,000 $16,000

Choose if you want to deplete or retain the capital fund: Deplete Deplete

How many years will your family need the extra income this 0 0
fund provides?

What rate of return do you assume your capital fund will 1% 1%

earn?

Total amount needed to meet income shortage: $0 $0

The Manufacturers Life Insurance Company

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 Illustration date:
February 3, 2025

Life insurance needs analysis (continued)

Do you have assets and existing insurance?

Palak Moh

Savings: $0 $0

Registered investments: $0 $0

Non-registered investments: $0 $0

Tax free savings plans: $0 $0

Principal Residence: $0 $0

Other assets: $0 $0

Existing life insurance: $0 $0

CPP/QPP death benefit: $0 $0

Total debts and expenses: $0 $0

Amount of life insurance that may be right for you

Palak Moh

Debts and expenses: $1,000,000 $1,000,000

Amount needed to meet income shortage: $0 $0

Assets and insurance available: $0 $0

Your life insurance need: $1,000,000 $1,000,000

The Manufacturers Life Insurance Company

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 Illustration date:
February 3, 2025

Results

Your insurance needs as of February 3, 2025

Palak Moh
Female, age 20, non-smoker Male, age 21, smoker

Amount Monthly cost Amount Monthly cost

Life insurance $1,000,000 $35.80 $1,000,000 $86.75

(Family Term, Term-20)

Consider Synergy

Here’s an estimate of how much Synergy you may need based on the information you provided in the life insurance calculator.

Your Synergy needs as of February 3, 2025

Palak Moh
Female, age 20, non-smoker Male, age 21, smoker

Amount Monthly cost Amount Monthly cost

Combination insurance $1,000,000 $118.16 $1,000,000 $154.84

(Synergy, Term-10 with TIR)

The Manufacturers Life Insurance Company

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Disclaimers

IMPORTANT INFORMATION ABOUT INSURERIGHT

Manulife’s InsureRight is a calculator that provides an estimate of the amount of life, disability and critical illness insurance
you may need. InsureRight’s estimates are based on the information you provide. Your insurance needs will change over time,
so you should periodically review these needs with your advisor.

InsureRight also provides estimates of initial monthly costs based on the amount of insurance suggested. For additional
information, contact your advisor.

The InsureRight calculator includes three needs analysis sections: life insurance, disability insurance, and critical illness
insurance. Each section of the calculator works independently and provides an amount specific to one type of insurance. The
analysis and estimates for each section do not consider benefits that may be received from other types of insurance.

The disability and critical illness needs analysis sections offer several factors to consider when calculating your needs. Some
of these factors may overlap, such as replacing your income or covering your expenses.

For the disability and critical illness sections, if the income calculated is intended to cover monthly expenses, you may want
to skip the monthly expense section to avoid inflating your insurance needs.

This website does not provide an offer to insure.

Applications for insurance are subject to underwriting.

Rates are subject to change without notice.

MANULIFE’S INSURANCE PRODUCTS AND COSTS

Manulife considers “age” to be your age at your nearest birthday, which may or may not be the age used by this calculator.

Family Term provides low-cost, term insurance protection. Term-20 coverage is a renewable and convertible term insurance
designed to help meet traditional personal and business insurance needs. Initial and renewal premiums are guaranteed at
issue. The premium rate for the policy increases at every 20th coverage anniversary.

Family Term is underwritten using our Healthstyles program – a rating system based on your health and lifestyle. Our
estimate assumes Healthstyle 3 (nonsmoker) and Healthstyle 5 (smoker) which may or may not be the Healthstyle you qualify
for. Manulife’s InsureRight calculator only provides an estimate of the initial costs. Initial premiums will be established during
the underwriting process and shown in your contract when issued. While renewal premiums are guaranteed at issue, they are
not provided through this tool. Premiums listed include policy fees.

Lifecheque is a critical illness insurance plan that can provide a cash benefit if you are diagnosed with one of the conditions
defined in the contract and satisfy the waiting period. The premium rate for the 10-year Renewable policy increases at every
10th coverage anniversary. The 10-year Renewable policy offers protection to age 75.

Return of Premium on Death (ROPD) rider returns the money you’ve paid if you die before becoming eligible for a covered

The Manufacturers Life Insurance Company

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February 3, 2025

condition or LivingCare benefit if applicable. The benefit amount you will receive equals the premiums you paid for this rider,
any other Return of Premium riders on the associated Lifecheque coverage plus the premiums paid for that Lifecheque
insurance coverage, including any applicable rating, up to the coverage limit. The ROPD benefit is reduced by any recovery
benefit and/or care benefits that have already been paid-out by Manulife.

Synergy, Term-10 is a combination insurance plan which includes a life insurance policy, a disability insurance policy and a
critical illness insurance policy – all in one affordable, easy-to-manage package. Your Synergy premium changes every 10th
Synergy anniversary up to age 65. Initial and renewal premiums are guaranteed at issue.

The Term Insurance rider (TIR) provides additional life insurance protection. It is a low-cost renewable and convertible term
insurance designed to help meet traditional personal and business insurance needs. Initial and renewal premiums are
guaranteed at issue. The premium rate of the rider increases at every 10th coverage anniversary.

SignatureOfIndividual1 SignatureOfIndividual1Date

Signature of Individual 1 Date signed (dd/mmm/yyyy)

SignatureOfIndividual2 SignatureOfIndividual2Date

Signature of Individual 2 Date signed (dd/mmm/yyyy)

SignatureOfAdvisorDate SignatureOfAdvisorDate

Signature of Advisor Date signed (dd/mmm/yyyy)

The Manufacturers Life Insurance Company

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