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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.


Critical Illness Insurance

Critical Illness Insurance is a plan contracted with a life insurer typically to make a lump sum cash payment if a policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

These policies can cover serious illnesses that can cause loss of independence, such as the main health threats of cancer, heart attack, and stroke. As well many more illnesses, the list of which we can provide as we go over the insurance planning with you.

The policy may also pay out regular income to a policyholder undergoing a surgical procedure, such as having a heart bypass operation.

The policy may require the policyholder to survive a minimum number of days from when the illness was first diagnosed (usually 30 days).

DISCLOSURES:

Mutual funds, stocks, bonds, and financial planning are offered through Manulife Securities Incorporated.

Insurance offered through Mertin Financial

Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada.

Manulife, Manulife & Stylized M Design, Stylized M Design and Manulife Securities are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Manulife Securities Disclaimer


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