Insurance Tips

and what your government plan does not cover.

Supplemental health and dental insurance and travel insurance can help manage both the routine and the unexpected health-related expenses that may result from accident or injury.

FollowMe™ Health and FollowMe Life plans are designed specially for those whose group coverage is ending or has recently ended. If you apply within 60 days of your group coverage end date, completion of a medical questionnaire is not required. This means a quick and easy application process, accessible protection, and the peace-of-mind that comes with knowing you are covered.

and what your government plan does not cover.

View some recent statistics regarding the frequency of illness among Canadians.

When you consider the tax savings, supplemental health insurance may even pay for itself.

for the peace-of-mind of knowing that you will be taken care of promptly, tomorrow and in the years to come.

and what your government plan does not cover.

Some individual plans do not require completion of a medical questionnaire, as long as you apply within 60 days of your group health coverage end date. Even better, if apply before your group coverage ends, your individual coverage can start as soon as your group plan stops - and you'll have the peace-of-mind of uninterrupted coverage.

When you consider the tax savings, supplemental health insurance may even pay for itself.

for the peace-of-mind of knowing that you will be taken care of promptly, tomorrow and in the years to come.

Paying final expenses, and dealing with a mortgage balance, loans, debts, and day-to-day living expenses may become a serious challenge. Use our Term Life calculator to help you evaluate your own unique situation.

Unlike traditional mortgage life insurance whose value decreases as you pay down your mortgage balance, term life insurance plans pay the full original face value of your policy to your beneficiary. Your beneficiary can then use the money towards the mortgage, loans, debts, daily living expenses -- the choice will be theirs'.

Learn more about the advantages of term life insurance.

CoverMe™ Term Life insurance premiums remain the same for the first ten years. At the end of the first 10 years, and every 10 years thereafter, your policy will be renewed at your new, age-based rate up until your 80th birthday.

CoverMe™ Guaranteed Issue Life insurance premiums will never increase, and your coverage will continue as long as you pay your premiums.

The FollowMe™ Life plan is designed for those whose group life coverage is coming to an end, or has recently ended. Completion of a medical questionnaire is not required as long as you apply within 60 days of your group life coverage end date.

The CoverMe Guaranteed Issue Life plan does not require medical underwriting - completion of a medical questionnaire is not required.

For CoverMe Easy Issue Life plan, you only have to answer two simple health-related questions.

The application process for FollowMe Life, CoverMe Guaranteed Issue Life insurance, and CoverMe Easy Issue Life insurance is quick and easy which means accessible coverage for you, and protection for your loved ones.

The FollowMe Life plan is designed for those whose group life coverage is coming to an end, or has recently ended. Completion of a medical questionnaire is not required as long as you apply within 60 days of your group life coverage end date. This means a quick and easy application process, accessible protection and the peace-of-mind that comes with knowing that you are covered, once again.

Life insurance premiums are based on your gender, smoking status and your age at the time of application.

You'll want the peace-of-mind that comes with knowing that your loved ones will be taken care of promptly and with consideration.

Be sure to ask whether your policy:

• has an in-house worldwide, multilingual emergency hotline
• pays foreign hospital and related medical costs and, if so, whether it pays up front or expects you to pay and be reimbursed later
• provides for your medical evacuation (or any required medical escort) to the nearest place with proper medical care or to Canada
• excludes pre-existing medical conditions - get any agreements in writing!
• allows for cash advances if a hospital accepts only such payment
• pays for the preparation and return to Canada of your remains should you die while travelling
• covers premature births and related neonatal care
• covers the countries or regions you plan to visit.

Learn more about Travel Health & Safety

Travel clinics are a great resource, as they are staffed with specialists in travel health. They have current information on which vaccines are required or recommended for people traveling to various destinations as well as information on the most up-to-date medications for travellers.

Learn more about travel clinics

Make sure your insurance covers the countries or regions you are visiting. Also, be aware that there are specific plans for travelling within Canada.

You can save time and money, and you'll have the peace-of-mind knowing it's already taken care of.

With CoverMe Travel insurance plans, you can save money in a number of ways:

• Family Coverage
• Travel Companion Savings
• Travel Canada Savings
• Deductibles

for the peace-of-mind of knowing that you will be taken care of promptly.

and what your government plan does not cover.

It pays a one-time lump-sum benefit that you can spend however you wish.

For example, with the CoverMe Critical Illness plan and the Return of Premium Option, Manulife will reimburse all the premiums paid – up to 100% of your benefit amount. That means you could receive up to $25,000, $50,000 or $75,000 depending upon the coverage you purchase!*

*Please note that this option is only available at the time of initial application.

for the peace-of-mind of knowing that you will be taken care of promptly, tomorrow and in the years to come.