Manulife Horizons -High protection coverage. -Withdraw money easily as the need arises. -Enhance protection through add-ons dependingg on needs. If you have kids 7yrs old and below, I recommend you get Educ Builder. It's an all in one package, with insurance, investment, and education pay out for your kids. You can also add hospitalization benefit up to 1000 days and critical illness benefit.