Solutions for your future needs.

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(519) 746-4646

Harold Mertin, President, B.A., CLU, CFP®, CIM
Unit #4, 745 Bridge Street West
Waterloo ON N2V 2G6
Phone: (519) 746-4646, Toll Free: (888) 429-9931
Email: harold.mertin@manulifesecurities.ca

Disability Insurance

Disability Insurance provides a monthly income in the event you are incapacitated, and incapable of working due to an injury or illness. Often called “Income Replacement Insurance”, this coverage is important for self-employed individuals.

Group Benefit Coverage

Group Insurance is an insurance plan that protects a group of people's financial security in one or more ways, such as offering low-cost life insurance or a dental plan for the self-employed. A group can comprise (or “be composed of”) members of an association, a company's employees, or professionals in a group such as lawyers or doctors.

Reduce Business Risk

Start-up firms and smaller companies are especially vulnerable to potentially devastating financial risk because they often lack big company sophistication and in-house risk-control expertise.


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Group Benefit Consulting

​A Group Benefits program should be as unique as your business. ​The program should work effectively as an extension of your human resources department​, designed with your objectives in mind.

Group Benefits Services

We will discuss and analyze key factors that may affect your benefit planning.

  • Benefits plan assessment, design, and monitoring
  • Plan renewal
  • Brokering your plan
  • Managed healthcare initiatives
  • Client seminars, scheduled periodically throughout the year
  • Information bulletins to keep you updated
  • Open communication to answer your questions - contact us when questions arise
  • At least once a year, we will asses competitiveness of the plan
  • Maintaining employee records using the latest pension administration system technology
  • Processing benefits on termination, death, or retirement
  • Schedule presentations by the leading quoting carriers—personal contact between you and the provider is critical to a good working relationship​

This information is intended to general educative reference only. This group material is not a specific piece of advice for any one situation as every solution is different.​

DISCLOSURES:

Insurance products and services are offered through Mertin Financial Inc.

Investment dealer dealing representatives (“investment advisors”) registered with Manulife Wealth Inc. offer stocks, bonds, and mutual funds.

The Manulife Bank Advantage Account is offered by Harold Mertin through referral arrangement with their insurance business Manulife Bank of Canada and is separate from Manulife Wealth Inc. product offerings.

Manulife Wealth Inc. is an indirectly, wholly-owned subsidiary of Manulife Financial Corporation (MFC). MFC owns The Manufacturers Life Insurance Company (MLI), a financial services organization offering a diverse range of life and health insurance protection products, estate planning, investment and banking solutions through a multi-channel distribution network. MLI owns Manulife Wealth Inc., and Manulife Wealth Insurance Services Inc. MLI also owns Manulife Bank of Canada, a federally chartered Schedule 1 bank, which in turns owns Manulife Trust Company, a federally chartered trust company.

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