Health & Dental Insurance

Manulife Financial offers Health, Dental and Extended Health Care benefits with the following options:
* Coverage for Individuals and Families
* Coverage for those who are self-employed or those whose group benefits have been terminated

Flexcare offers 7 different health and dental plans (3 of which are guaranteed issue) and many add-on benefits so that you can design a health plan that best meets your specific needs.
Click below to learn more about Flexcare.

FollowMe offers 4 guaranteed issue plans which are designed to "bridge the gap" for people who are leaving a group plan due to job loss or retirement so that their health and dental coverage is not interrupted.  As long as you apply within 60 days of leaving your group plan, you are guaranteed acceptance with FollowMe.
Click below to learn more about FollowMe.

Association Health & Dental Plans
Association Health & Dental Plans offer 8 different plan choices with options for Dental only and Dental + Drug benefits.
Click below to learn more about Association Health & Dental Plans.

Critical Illness

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.

Manulife's Lifecheque Basic Critical Illness Insurance offers:
- Coverage for 5 major illnesses including cancer, heart disease, stroke, aeortic surgery and coronary artery bypass surgery.
- Lump sum payments of $25,000, $50,000 or $75,000 with a Return of Premium option.
- Coverage for applicants between the ages of 18 and 75.

Click link below for more information on Lifecheque Basic Critical Illness insurance and to quote and apply on-line.

Manulife's Lifecheque Critical Illness Insurance offers:
-Coverage for 24 major illnesses including:

  • Aortic surgery            
  • Aplastic anemia
  • Bacterial meningitis     
  • Benign brain tumour
  • Blindness           
  • Cancer (life threatening)
  • Coma                         
  • Coronary artery bypass surgery
  • Deafness                               
  • Dementia, including Alzheimer’s disease
  • Heart attack                           
  • Heart valve replacement or repair
  • Kidney failure                    
  • Loss of limbs
  • Loss of speech     
  • Major organ failure (on waiting list)
  • Major organ transplant          
  • Motor neuron disease
  • Multiple sclerosis                  
  • Occupational HIV infection
  • Paralysis                               
  • Parkinson’s disease and specified atypical parkinsonian disorders                                   
  • Severe burns     
  • Stroke   

Lifecheque Policy options:
• 10-year renewable-coverage to age 75.The coverage renews every 10 years and the premium increases with each renewal.
• 20-year renewable- coverage to age 75.The coverage renews every 20 years and the premium increases with each renewal.
• Primary- coverage to age 65. The premium will not increase.
• Level- coverage to age 75. The premium will not increase.
• Permanent- coverage for the lifetime of the insured. The premium will not increase.

For more information please contact our office.