• Personal Life Insurance  (Term and Permanent)
• Long-Term Disability (LTD) Insurance
• Business Buy-Sell & Keyman Insurance
• Critical Illness Insurance
• Long-Term Care Insurance

• Health & Dental Plans
• Specialty Insurance Solutions 
  • Expatriate & Inpatriate Insurance
  • Kidnap & Ramsom Insurance

Things to consider before you say 'yes' to mortgage insurance

Personal Life Insurance VS Lender's Mortgage Insurance (PDF)

Disability insurance

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.

For more information on disability insurance, please contact us.

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, there are a variety of simple universal life coverage options that can be customized to meet your financial planning needs.

Group Benefits for Small Businesses

Running a business presents many daily challenges, but here’s a decision that’s easy to make. When seeking an affordable way to give your employees the advantages offered by a group benefits plan, I can help.

The LaunchPlan™ is a group benefits program designed exclusively for companies with 2 to 9 employees. It’s a straightforward plan that’s easy to get started and easy for your employees to use and understand. It offers an affordable, sustainable way to protect employees and build a better business.

If you are looking for a wider selection of benefits products and services with greater flexibility for your company, ask us about AlphaPlus®, a benefits plan suited for small businesses with 2 to 24 employees.

For more information on these two plans, click here.

 The LaunchPlan™, AlphaPlus® and Group Benefits are offered through Manulife Financial (The Manufacturers Life Insurance Company).  The LaunchPlan is not offered to groups with a business presence in the province of Quebec.

Long Term Care (LTC) 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.

LivingCare from Manulife is designed to provide you with the freedom to choose the type of care you want and need, while at the same time protect your retirement assets. The flexibility of LivingCare allows you to choose to receive your benefits for home or facility care.

LivingCare gives you the financial security to:

• Protect your retirement savings and income
• Preserve an inheritance for your loved ones
• Eliminate the burden placed on your family caused by long term care needs

For more information on long term care insurance, please click here or contact us.

LivingCare is sold by, and is a registered trademark of, Manulife Financial (The Manufacturers Life Insurance Company).