Financial Security Begins Here
No, contrary to what you might think, it's not your savings that should form the foundation of your financial plans. Don't be mistaken, Registered Retirement Savings Plans (RRSP) and Tax Free Savings Accounts are key components in your financial plans and deserve a life-long commitment.
Insurance however, protects us, the people we care about and the things that we own, from those unforeseen "bumps in the road", events such as fire, theft, motor vehicle accidents, premature death, disability and critical illness, to name just a few. Insurance provides cash at precisely the time that it's needed.
Whether the need is personal or for your business, we'll help identify where risks to your or your business' financial security exist and then suggest the solution(s) - the right product(s) in the right amount(s) at the right price.
This is your one-stop virtual destination for insurance on one's life.
Products and Services
Whatever your stage in life, Manulife Wealth Insurance Services Inc. can help you feel financially assured with a variety of insurance products to meet your specific needs – whether it's family protection, business continuity, estate preservation or investment solutions.
Products and services include:
- Segregated funds
- Life insurance: term, whole life, universal life
- Disability insurance: income replacement and business overhead protection
- Critical illness insurance: enhanced and basic plans
- Long-term care insurance: facility and home coverage
- Pension plans: group retirement plans, registered pension plans, deferred profit sharing plan and registered retirement savings plans
- Health care benefits for individuals and associations
- Annuities: term certain, life
*Carrying on business in British Columbia as Manulife Wealth Insurance Services Inc.
InsureRight
Are you protecting what's most important?
Be sure. With InsureRight.
If something happened to you, you want to be certain you have the right coverage to protect your family, your lifestyle and everything you've worked hard to achieve. But there's a lot to consider when buying insurance. What type of coverage is right for you? How much is enough?
With InsureRight, it's simple to answer these questions. InsureRight will help outline what you need to consider so you can feel confident about the coverage you choose for your insurance needs. The InsureRight checklist is a great place to start. Begin with the step that's right for you. And when you're ready, visit InsureRight.ca for more tools that will help you take a closer look at your insurance needs.
For more information about InsureRight, please contact us.
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.
Family Term from Manulife Financial
The flexible design of 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.
For information on Family Term, please contact us.
Business Term from Manulife Financial
The simple structure and flexible features of 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.
For more information on Business Term Insurance, please contact us.
Family Term and Business Term are registered trademarks of and are offered through Manulife Financial (The Manufacturers Life Insurance Company).
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.
Performax Gold
Performax Gold is a reliable whole life insurance solution backed by powerful guarantees and built for long-term tax-deferred growth.
Performax Gold can help you:
- 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, Performax Gold allows you to customize and adjust your coverage as your lifestyle or business needs change.
To learn more, 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.
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 contact us.
*Lifecheque with LivingCare Benefit is offered through Manulife Financial (The Manufacturers Life Insurance Company).