Term  

Term insurance is the most traditional life insurance policy, however it is not designed to last for your entire life. This policy typically has no cash values and premiums can increase after ten or twenty years.

Universal Life 

Universal life insurance (UL) is a type of permanent life insurance, with a flexible premium. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy.

Whole Life  

A life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured.

Critical Illness 

Critical illness insurance is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. Payment is normally made thirty (30) days after diagnosis, and is considered tax free.

Disability 

Disability insurance offers income protection to individuals who become disabled for a short or long period of time, and as a result can no longer work during that time period.

Long Term Care 

Long-Term Care (LTC) Insurance’ Coverage that provides nursing-home care, home-health care, personal or adult daycare for individuals with a chronic or disabling condition that needs constant supervision.

Accidental Death
And Dismemberment

Accidental death and dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death is an accident. It also pays in the event of a loss of, or loss of use of, limbs or eyesight and such.

Travel  

Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one’s own country.

Health & Dental 

An insurance plan that gives members everyday access to needed health care, such as dental work and a drug plan.

Flex Care:

Here you can easily get a quote or apply for health and dental benefits under the Flexcare package, or get a quote under the “portable” follow-me health plan, or an easy to qualify for Critical Illness plan, all with Manulife Insurance

Flexcare, FollowMe Health and CI Weblink

Association Health & Dental:

Here you can get a quote and or apply for an alternative health and dental plan with some lower cost options.

Travel:

Here you will find an easy to follow travel insurance quote system, whether your travel plans are within Canada only or anywhere else in the World. If the Manulife plan doesn’t suit you then I have access to about 10 other leading Travel Insurance Companies.

leaving
the country?

We have all heard the horror stories of travellers who injured themselves or became ill while outside of Canada and received medical bills in the tens or hundreds of thousands of dollars.

The reality is that spending even a few days in a foreign hospital can leave a person with bills that could lead to financial ruin.

Travel insurance, either short term or for extended periods is one of the least expensive ways to protect yourself and can cost as little as a few dollars a day for emergency medical protection for the duration of your travel outside of Canada.

exploring
more options

Most Canadians understand the value of having life insurance, an inexpensive financial agreement that guarantees a pre-determined, tax-free, lump sump payment in the event of a death.

But life insurance can also be used as an effective tool to protect against taxes from large estate settlements or help pay fees such as legal expenses, funeral costs and other bills before an estate’s finances are settled.

Life insurance is a personal financial safety net that helps family access funds quickly compared to other financial options that may take months to access with a typical estate settlement process.