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Child protection rider
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Manulife UL sample rider
This sample policy contract is provided for your information only.
It is not a valid contract or an offer of insurance.
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Child protection rider
Child protection rider (CPR)
We refer to any person whose life is insured by this rider as the insured child.
Each CPR coverage insures the life of one child and pays a death benefit if the insured child
dies before the CPR coverage ends, as described in this rider. You cannot change the
amount of insurance provided by the coverage for any child insured by a CPR coverage.
This rider also provides a critical illness insurability benefit and a guaranteed life insurability
benefit.
This rider uses certain terms in specific ways. The definitions of these terms are part of this
rider. See the section called Definitions in the Policy provisions for a complete list of terms.
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See your Policy summary for details of each CPR coverage, including your amount of
insurance, rider coverage costs and expiry dates.
Who can be insured under your child protection rider
Death benefit
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You can insure one or more children under this rider, subject to our administrative rules.
Each insured child has a separate coverage. If you want to add a child to this rider, you must
provide evidence of insurability satisfactory to us that the child is eligible for insurance.
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The death benefit for each CPR coverage is the amount of insurance for that coverage
shown in your Policy summary. Any death benefit we pay is subject to the Suicide exclusion
described below.
Your right to name a beneficiary
You have the right to name and change your beneficiary or beneficiaries for each coverage.
When a death benefit is payable, we pay that death benefit to each beneficiary according
to your instructions. If you haven’t named a beneficiary, we pay the death benefit to you or
to your estate.
You can change a beneficiary at any time before an insured child’s death, as long as the
change is allowed by law. However, if you have named an irrevocable beneficiary, you can’t
make a change without that beneficiary’s consent.
Suicide exclusion
We don’t pay the death benefit as described in the section called Death benefit if the
insured child, whether sane or insane, commits suicide within two years of the day we issued
or last reinstated the CPR coverage, whichever is later. Instead, we pay a reduced death
benefit.
The reduced death benefit equals the costs that have been paid for the CPR coverage since
the date it was issued or last reinstated, whichever is later. We show this date as your
coverage issue date in your Policy summary.
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Child protection rider
Your insurability benefits
Your guaranteed life insurability benefit
You have the right to buy new life insurance for each insured child covered by this rider
during an option period. Option periods are described below.
The new life insurance cannot have an amount of insurance that increases over time.
You do not need to provide us with evidence of insurability for the insured child.
Your critical illness insurability benefit
You have the right to apply for new critical illness insurance for each insured child covered
by this rider during an option period.
Option periods
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When you apply for new critical illness insurance, we will ask the insured child to confirm:
 that they would not qualify for, or start a waiting period for, any benefit under the new
critical illness insurance, and
 that they do not have, and have not applied for, more than the maximum amount of
critical illness insurance allowed, as described in our administrative rules. This maximum
includes critical illness insurance with us or other insurance companies.
We will not ask for any additional evidence of insurability.
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Option periods are:
 the 75 days following any option day
 the 60 days before the CPR coverage expiry date shown in the Policy summary
Option days occur on the day:
 the insured child becomes legally married, or enters into a civil union in Quebec
 the insured child’s relationship qualifies as common-law under the Income Tax Act of
Canada in effect on the option day
 the insured child gives birth to a living child
 the spouse or common-law partner of the insured child gives birth to a living child, as
long as the insured child is alive on that day
 the insured child legally adopts a child who is under the age of 18
How we limit the amount of insurance you can buy
The amount of life insurance and critical illness insurance you can buy must be within our
minimum and maximum limits for the product you choose. You can buy up to $250,000 of
life insurance coverage and up to $100,000 of critical illness insurance coverage, but the
total amount of insurance provided by both coverages can’t be more than $250,000.
Buying new insurance
How to buy new insurance
To buy new insurance, you or the insured child must submit an application along with the
first payment required for the new insurance. We must receive the application and first
payment before the end of an option period.
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Child protection rider
If you submit an application for new insurance, the insured child or their parent or guardian
must agree to the new insurance coverage by signing the application.
If the insured child submits an application for new insurance:
 they must have your written permission to do so
 provincial laws which govern your policy must allow an insured child to apply for new
insurance
When the new insurance takes effect
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Once we approve the application, the new insurance takes effect on:
 the day after the CPR coverage expiry date shown in the Policy summary, if you
purchased the new insurance during the 60-day option period
 the monthly processing day after the day we receive the application and first payment,
if you purchased the new insurance during a 75-day option period
If the insured child dies before the new insurance takes effect, we cancel your application
for new insurance and refund all payments you have given us for it.
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Rules that apply to buying new insurance
The new insurance must be one of the following:
 a new coverage on an existing insurance policy with us that allows you to add new
coverage, subject to our administrative rules
 a new insurance policy offered by us on the date you apply for the new insurance
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The new insurance must insure only the insured child covered by the original CPR coverage.
The insured child must meet the minimum and maximum age requirements of the new
insurance you want to buy.
You must provide us with satisfactory evidence that the child is eligible for new insurance if
you are applying for a coverage with a benefit that increases over time or if you are
applying for an improved Healthstyle or risk category.
The new life insurance cannot include any riders unless you provide evidence of insurability
satisfactory to us.
We base the cost of the new insurance on the insured child’s age on the birthday nearest
the effective date of the new coverage and on their personal information shown in the
Policy summary. We issue the new insurance with Healthstyle category 5 rates or rates for a
risk category comparable to Healthstyle 5, unless we approve your application for an
improved Healthstyle or risk category.
If we apply the suicide exclusion to the new insurance or question the validity of the new
insurance, we use the date we issued or last reinstated the new insurance, whichever is
later. We also rely on any information provided to us for the purpose of obtaining or
reinstating the CPR coverage. See the section called Suicide exclusion in this rider or How we
respond to misrepresentation or nondisclosure in your Policy provisions for more
information.
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Child protection rider
Any limitations to our liability that apply to the child insured by the CPR coverage will apply
to the new insurance, as well as any limitations we regularly include in policies being issued
on the same plan for people of the same age, sex, insurance rating, and Healthstyle or
comparable risk category.
When insurance protection continues
If your policy ends due to the death of a person insured by the policy and we pay a death
benefit, we continue any CPR coverages in effect under this rider at no cost to you. All
benefits provided by your CPR coverages continue unchanged until each CPR coverage
expires. We send you a certificate of insurance for each insured child, stating their amount
of insurance and their coverage expiry date.
When a CPR coverage ends
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Each CPR coverage under this rider ends on the earliest of the following dates:
 the first monthly processing day that occurs on or after the day we receive your written
request at our Canadian head office to cancel a CPR coverage
 at 11:59 pm the day before any new insurance purchased on the insured child under the
provisions of this rider takes effect
 the day we cancel your policy or CPR coverage or deny a claim, as described in the
section called How we respond to misrepresentation or nondisclosure in your Policy
the day the insured child dies
the CPR coverage expiry date shown in the Policy summary
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When your CPR ends
This CPR ends on the earliest of the following dates:
 the first monthly processing day that occurs on or after the day we receive your written
request at our Canadian head office to cancel this rider
 the day the last CPR coverage on this rider ends
 the day your policy ends, except as set out in the section called When insurance
protection continues
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