Satisfaction guaranteed
for Hbc, the Bay and Zellers Cardholders!

You and your spouse have the exclusive right to apply for the Hbc-endorsed Term Life Insurance Plan featuring the Child Term Life and Major Accident Protection options. Send your application form in complete confidence or apply online, because your satisfaction is fully guaranteed. You have it in writing:

OUR 30-DAY GUARANTEE OF SATISFACTION If you are not completely satisfied with your coverage, simply return your insurance policy to Manulife Financial within 30 days of receiving it, and any premiums paid for the coverage will be promptly refunded.

Please read on to discover how easy we've made it for you to get the affordable coverage you want for yourself and your loved ones.

If you would like to contact our Customer Service Representatives, please call toll free 1 800 665-4051 Monday through Friday from 8 a.m. to 8 p.m ET. You can also e-mail us at am_service@manulife.com any time, or send us a message by clicking here.