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.

The Proguard Series

Designed for executives and professionals, Proguard Series is one of the most comprehensive income replacement protection plans available. Featuring unique and flexible benefits, you can customize a plan to meet your specific needs. Plus, built-in automatic coverage enhancements help ensure your coverage keeps pace with your income growth.

Proguard Series is ideal for:

• Comprehensive income replacement for the changing needs of executives and professionals
• Topping-up employer provided long-term disability benefits
• Protecting employees through an Income Loss Replacement Plan
• Future insurance planning – exchange your coverage for a long term care insurance plan when the time is right (Future Care Option)

For more information on this product, please click here or contact us.

Proguard Series is offered through Manulife Financial (The Manufacturers Life Insurance Company).

The Venture Series

Venture Series is well suited to business owners and employees seeking reliable, cost-effective income replacement protection. And with unique built-in automatic coverage enhancements, your coverage grows as your income increases.

Venture Series is ideal for:

• Income replacement for business owners
• Topping-up employer provided long-term disability benefits
• Protecting employees through an Income Loss Replacement Plan

Plus, you can plan ahead with the built-in Future Care Option. It gives you the opportunity to exchange your disability coverage for a long term care insurance plan when the time is right.

For more information on this product, please click here or contact us.

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

Personal Accident Disability Insurance (PADI)

If you become totally or partially disabled due to an accident or sickness, Personal Accident Disability Insurance offers flexible coverage that provides you with a monthly benefit for income replacement, funding for medical costs and income/business expense coverage if you are self-employed. Plus, if you’re looking for guaranteed issue coverage in the event that you are hospitalized as a result of an accident or illness, you can purchase the Cash Hospital Plan.

Personal Accident is ideal for:

• Non-working (students, at-homes, un-employed, seniors) and working (full or part-time employees, or self-employed) individuals

Cash Hospital is ideal for all individuals, couples and families. It can also be used as an alternative to disability or sickness insurance, travel insurance for those medically uninsurable, or to top-up existing coverages

For more information on this product, please contact us.

Personal Accident Disability Insurance and Cash Hospital are offered through The Manufacturers Life Insurance Company (Manulife Financial).

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.

Lifecheque

Lifecheque is one of the most comprehensive critical illness insurance plans available today and is designed to meet the diverse and changing needs of individuals and business owners. You can choose from top-quality protection and features to customize a plan that meets your need for critical illness protection.

Lifecheque is ideal for:

• Income and asset protection
• Mortgage and debt protection
• Topping up an employee benefits package
• Business partnership protection

Plus, when you choose Lifecheque you benefit from Health Service Navigator - Manulife’s one-of-a-kind health information and medical second-opinion support service.

For more information on Lifecheque, please click here or contact us.

*Lifecheque with LivingCare Benefit is offered through Manulife Financial (The Manufacturers Life Insurance Company).

Long Term Care Insurance

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).

Group Life and Health Insurance

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.

Personal Benefits – a new twist on Employee Benefits!

Now in tandem with your benefits program you can offer Personal Life and Personal Critical Illness coverage to your employees. Personal Benefits provides affordable, portable coverage without your company having to bear the cost of administration and billing.

With Personal Benefits, your employees can purchase optional coverage and they make the payments directly to Manulife through our easy payment options. Since the plan member enters into the Personal Benefits contract directly with Manulife, coverage continues even if there is a change in employment and the coverage details remain completely confidential.

Personal Benefits are a simple and effective way to offer value without creating overhead for your business.

For more information, please contact us or click here to download a brochure on Personal Benefits.

*Personal Benefits are offered through Manulife Financial (The Manufacturers Life Insurance Company).