Your Insurance Needs
Term Life Insurance - Family/Business
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.
Family Term provides you and your family with affordable protection that can be adapted to your family’s changing lifestyle, income and needs.
Family Term gives your loved ones the financial security to:
- Maintain a comfortable lifestyle
- Pay off existing debts – like your mortgage
- Fund long term investment needs like educational savings plans or RSPs
Plus, you can adjust your Family Term insurance as your needs change, using a wide range of options called ‘riders’, such as Children’s Protection Rider (adding coverage for children), Total Disability Waiver (waiving premiums if you become disabled) and more.
Business Term allow you to protect the key elements of your business so you can be sure it will carry forward with minimal disruption.
The affordable and easy-to-manage design of Business Term creates financial security for your business with:
- Key person protection
- Business collateral and buy-sell funding
- Estate tax coverage
Your Business Term insurance can be customized using options called ‘riders’, such as Business Value Protector (adding additional coverage as your business grows), Total Disability Waiver (waiving premiums if you become disabled) and more.
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.
It can provide you with the following:
- Further your retirement and estate planning
- Build tax-deferred equity and cash value over time
- Establish collateral for a bank loan
- Fund education costs and other long-term expenses
- Provide key person coverage
- Leave gifts to children, grandchildren or a charity
With its flexible features and the variety of options (riders) available, you to customize and adjust your coverage as your lifestyle or business needs change.
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, there are a variety of simple universal life coverage options that can be customized to meet your financial planning needs.
Critical Illness Insurance
Critical illness insurance helps cover the unexpected costs and potential loss of income associated with a serious illness. From the additional costs associated with medicine and treatment, to travel, home care and specific accommodations if needed, 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 survive the waiting period, you receive a cash benefit. You can then use the funds as you wish.
Employee benefits can help you attract the very best employees while also helping to safeguard your company against lost productivity arising from staff members who don’t have access to the health care, medicines, dental coverage, or emotional support they need. Overall, benefits plans can help increase employee commitment and loyalty while protecting the productivity and competitiveness of the business.
Whether you’re planning a trip, expecting visitors, visiting Canada yourself or studying abroad, it’s wise to have the protection offered by Manulife Financial Travel Insurance.
No one expects to have a medical emergency away from home, or to have to cancel a trip due to an emergency. But these events happen and they can be disruptive and expensive.
Before, you travel, it’s wise to ensure you have coverage to protect you against the unexpected.
Disability insurance helps protect your income and business if you become disabled and can’t work. With different products available for full-time, part-time or home-based workers, disability insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians. 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 insurance can help by providing a comprehensive and portable plan you can rely on throughout your working years.
Long Term Care Insurance
Long term care insurance provides you with the support and financial resources necessary to cover the out-of-pocket expenses for care at home or in a facility, when you can no longer care for yourself.
Health & Dental Insurance
Protect yourself and your family against the ongoing and unexpected cost of healthcare expenses.