Personal Life Insurance
Get comprehensive coverage
Term Insurance Plans
Affordable, Flexible Term Insurance
Whether you are looking to protect your family or your business, Term life insurance offers affordable and flexible protection you can customize to meet your temporary and growing needs. You can choose term life coverage that protects you for 10 or 20 years or until you reach age 65 or age 100.
Universal Life Insurance
Combined Universal Life Insurance
Designed to meet both your life insurance and investing needs, universal life insurance combines long-term insurance protection and tax-advantaged investing in one single, customizable policy. Whether your goal is to protect the legacy you’re building for your loved ones, or to build additional wealth over time, universal life insurance can help you:
- Leave proceeds to your beneficiary – tax free
- Further your estate planning
- Build tax-deferred equity and accessible cash value over time (may be subject to taxation)
- Establish financial collateral for a bank loan
- Provide key person insurance coverage for your business (business continuity)
From how you want to invest, to how you pay for your insurance, to how much or little you want to invest, Universal Life insurance offers a variety of simple universal life coverage options that can be customized to meet your financial planning needs.
Whole Life Insurance Options
Guaranteed Whole Life Insurance
Whole life insurance offers guaranteed, reliable coverage to last your entire lifetime. Ideal for personal and business needs, it provides permanent protection you can count on and guaranteed cash values that grow over time.
Mortgage Protection Insurance
Convenient Mortgage Protection Insurance
Mortgage Protection Insurance is an affordable, simple and convenient solution that allows you to protect your home at the same time you arrange your mortgage. It is designed to provide life and disability protection to home buyers.
The simple truth is that illness or death can happen to anyone of any age at any time. With today’s high cost of living – it’s more difficult to save than ever before. With Mortgage Protection Insurance, your mortgage will be paid out, in case of unexpected death or illness.
Get more information on Mortgage Protection, click here.
It can be hard to convince people that life insurance is money well spent. In fact, the only thing more horrifying than the prospect of a loved one dying unexpectedly is someone trying to sell insurance on the pretext that it may happen! However, one in seven people die before their working lives are over (before age 65), so Life insurance is important and just makes sense.
Your Insurance Broker
Personal Health Insurance
Your health comes first
Critical Illness Insurance
Get Comprehensive Critical Illness Insurance
Critical illness insurance helps cover the unexpected costs and potential loss of income associated with a serious illness. From the costs of medicine and treatment, to travel, specialist and home accommodations, treating and recovering from an illness can have a devastating financial impact.
Plus, if you’re unable to work during your recovery, the impact is even greater.
With critical illness insurance, if you become sick with one of the covered conditions covered by your policy and satisfy the waiting period, you receive a cash benefit. You can then use the funds as you wish.
Trauma insurance provides a one-off payment when a person is diagnosed with or suffers a major illness (for example cancer or a heart attack).
Comprehensive Disability Insurance
Disability insurance helps protect your income if you become disabled and can’t work. An individual disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life.
Whether you need to secure your main source of income or supplement the coverage you receive from your employer or an association, Disability coverage can help by providing a comprehensive you can rely on throughout your working years.
Income Protection Insurance pays you an ongoing benefit if you’re unable to earn an income through accident or illness. Income protection is an absolute necessity if you have debts such as a mortgage or business loan. Your ability to earn an income is your most important asset — so don’t leave it unprotected! Most of us don’t hesitate to insure our homes, vehicles, or businesses (Manulife synergy).
Health & Dental
Worry Free Health & Dental Insurance
Tired of paying for routine, day-to-day health care expenses out of your own pocket? With the affordable, flexible coverage offered by a product such as Manulife’s Flexcare® Health Insurance, you’ll gain the added confidence of knowing that many of your health-related expenses, both routine and unexpected, will be covered.
Flexible, affordable insurance
Understanding that different families and different individuals have different needs, this allows you to choose both the type and amount of coverage you want. That way you’ll pay only for the coverage you really want and need.
Protection that’s right for you and your family
Choose the Core Plan and Add-On options that best suit your lifestyle and budget, or create your own plan based on our Stand-Alone options.
Coverage is tailored to your province
Provincial health insurance plans differ across Canada. Recognizing this, Flexcare adjusts the coverage from province to province so you’ll have the protection you need from routine or unexpected health care expenses – no matter where you reside.
Comprehensive coverage – whatever your focus
Flexcare offers you coverage for prescription drugs, dental services, or a combination of both. All Core plans also include vision care, emergency travel coverage and a wide range of extended health care benefits, such as registered specialists and therapists, hearing aids, homecare and nursing, Health Service Navigator®, and more.
Portable coverage that follows you wherever you go
Flexcare individual health insurance isn’t tied to an employer. That means you’ll “own” your coverage as long as you want – regardless of any changes in your employment or health in the future.
When Traveling Make Sure Your Covered!
If you plan to travel outside Canada, you should get the best medical insurance you can afford – hospitalization or medical treatment can be very expensive. Canadian provincial medical insurance rarely covers the full cost and does not pay up front.
Check with your provincial health authority
For people traveling outside Canada, provincial health plans cover only emergency health services given in connection with an acute, unexpected illness or injury requiring immediate or emergency treatment. Be aware that Canadian health insurance will only cover the amount that the medical service would cost in Canada – if it costs more in the country you’re visiting; you’ll be responsible for paying the rest.
If you’re traveling outside the country, it’s a good idea to purchase some private travel health insurance. Out-of-country medical care can often be very expensive. Travel health insurance can provide protection against medical expenses not covered by your provincial health plan.
This may give you added peace of mind, so you can really relax and enjoy your holiday.
If you plan to travel outside of Canada you should get the BEST insurance coverage as possible.
Get The FAQ’s On Insurance
Let us help clarify the different insurance options
I already have insurance coverage through my work benefits. Isn’t that enough?
Plans offered through your employer often fall short of the coverage you will likely need. Would the amount of coverage through your work place pay off your mortgage and outstanding debts plus provide a lump sum that can be invested to provide an income for your family? For many of us this answer is ‘no’ and that’s why additional protection is so important to protect you and your family.
Another issue with coverage through work is that you may not be protected in the event that you lose your job or decide to change jobs. In today’s market with so many companies downsizing, risk protection is more important than ever.
How much insurance do I need to get?
Your individual circumstances will determine which option is better suited to your needs and the amount required. Insurers do impose limitations on the amount you can apply for, but as a general rule it is up to fifteen times your annual income.
Add up your outstanding debts; calculate a lump sum that can be invested to provide an income for your family, subtract your existing life cover and the difference is how much insurance you need. Click here to check out your risk score.
Isn't insurance expensive?
Most of our clients are pleasantly surprised by how little it costs to provide piece of mind and protect their loved ones. For young couples in reasonably good health, term life premiums can cost less than a dollar day. If you’re buying a home or starting a family now is the perfect time to talk to our team.
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What type of insurance package is right for me and my family?
There are various insurance packages out there. All with their own unique benefits and downfalls when it comes to covering you and your family. From Term Insurance, Universal Life, Whole Life, to Mortgage Protection and numerous Personal Health Programs.
For more details please refer to the options described below.
What is the difference between term and whole life insurance?
Term life insurance offers affordable and flexible protection you can customize to meet your temporary and growing needs. You can choose term life coverage that protects you for 10 or 20 years or until you reach age 65 or even age 100.
Whole life insurance offers guaranteed, reliable coverage to last your entire lifetime. Ideal for personal and business needs, it provides permanent protection you can count on and guaranteed cash values that grow over time. As Whole Life provides a guaranteed return on investment over time, the premiums tend to be considerably higher than Term Life coverage.