Your representative: PERSONALIZED DISABILITY AND HEALTHCARE PROTECTION
|
|
- Adela Rose
- 8 years ago
- Views:
Transcription
1 PERSONALIZED DISABILITY AND HEALTHCARE PROTECTION Desjardins Insurance is a subsidiary of Desjardins Group, the sixth largest financial institution in Canada. Desjardins Insurance ranks fifth among life and health insurers in Canada and first in Quebec. Desjardins Insurance provides life insurance, health insurance and retirement savings products to its employees, clients and partners. The company employs nearly 4,100 people in offices across the country, including Vancouver, Calgary, Winnipeg, Toronto, Ottawa, Montreal, Quebec, Lévis, Halifax and St. John s. Your representative: SOLO TM desjardinslifeinsurance.com Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. TM Trademark owned by Desjardins Financial Security 10016E (15-11) This document is printed on Rolland Enviro paper. 100%
2 LONG-TERM CARE INSURANCE If you loose your independence, you can still retain control and live life the way you want! In the next 20 years, one in five Canadians will be at least 65 years old and 50% of those 65 and older will need long-term care. Source: New England Journal of Medicine. Getting out of bed, bathing and dressing are some of the little things that may become impossible to do without help one day. If you do need long-term care, who would you like by your side to help you every day? Long-Term Care insurance a solution that s within your reach: You ll receive a non-taxable monthly benefit if you can no longer perform at least two of the following activities: bathing, dressing, toileting, transferring, maintaining continence or eating, or if you re suffering from a cognitive impairment that threatens your health or safety (e.g., Alzheimer s disease). You can use your benefit as you see fit. You ll have access to advice from healthcare professionals. Don t let your loss of independence become a burden on your family and your assets. As life expectancy increases so does the risk of becoming dependent. Choose long-term care insurance to help you retain control.
3 CRITICAL ILLNESS INSURANCE Are you ready to retire? To protect the fruits of your labour! 40% of Canadian women and 45% of men will develop cancer during their lifetimes. Source: Canadian Cancer Society. Have you considered how an illness like cancer, would impact your life? Critical illness and disability income insurance: a perfect match! This is why SOLO Disability Income includes critical illness coverage equal to 5 times your monthly benefit. It is paid on the diagnosis of one of the 25 illnesses covered by Critical Illness insurance, such as cancer, heart attack, stroke. You don t have to be disabled to be eligible, and you can still be working. You can use this amount as you wish, for example, to pay expenses incurred by your illness or hire replacement staff. Probably not! Right now you re focused on earning a living. But how would you protect your income if something happened that kept you from working? The SOLO TM family of income replacement plans was created to help Canadians pay their bills if they are unable to work due to an illness or accident. The best part is that you can customize a plan to fit your needs and your budget. Disability Income Business Expense Loan Insurance Medical advice You can also add the following for even more protection: Healthcare insurance Life insurance Critical Illness insurance Long-Term Care insurance 5 times your monthly benefit is only basic coverage, you should consider more You can purchase up to $2,000,000 in Critical illness insurance. You can add a premium refund option to get your premiums back if you remain in good health. It can be purchased jointly with your company, which can be tax-effective. Because life goes on during and after your recovery.
4 LIFE INSURANCE Your family means the world to you! An unexpected loss could be devastating for your family. Along with the emotional toll it takes, it can play havoc with your family finances. The right life insurance plan can make all the difference during this difficult time. Life insurance, as an integral part of your estate planning, will help you: Preserve your assets Facilitate the tax payment at your death Facilitate the purchase of your shares by your partners Facilitate the transfer of your business fairly to your heirs Desjardins Insurance offers you a wide range of life insurance products to meet your current and future needs: Term life insurance Permanent life insurance Universal life insurance Life insurance for children Because your investments are important and your loved ones count on you you need life insurance to ensure that everything is in order in the event of your death.
5 Protects your income in the event of a disability due to an accident or illness SOLO DISABILITY INCOME
6 Offered with your SOLO insurance contract. Insurance for what is most precious your ability to provide for your family! The reality is that too many Canadians do not have the financial means to see them through an unexpected loss of income. SOLO TM Disability Income pays you monthly income replacement benefits when you are not able to work due to an illness or an accident. This benefit is based on your monthly income and is paid to you for a period of time that you select based upon your financial needs. With SOLO Disability Income, you can focus on getting better! The expert medical advice includes... The medical program Advance medical allow you to consult world-renowned medical specialist. They will gather all available information about your condition and make an evaluation to confirm your diagnosis. This will help you and your personal physician to develop an optimal treatment plan.
7 Protects your income in the event of a disability due to an accident or illness When faced with a medical problem, it could be difficult to understand all the information needed to make an important decision. How will you know what to do? Disability Income designed for your reality Monthly benefits from $400 to $9,000 For the first 36 months of your disability, up to $1,200 of your monthly benefit is guaranteed, regardless of any benefit you may receive from the government or other insurance Benefits start after the waiting period, but if you are hospitalized or having day surgery, the benefit will be paid starting on the first day An additional lump sum payment equal to 5 times the monthly benefit in the event of a critical illness such as cancer, stroke or heart attack (25 critical illnesses/ conditions covered) An extra 5% of the monthly benefit will be deposited into a Desjardins Insurance RRSP or savings account of your choice, with the 13th cheque Life insurance equal to 5 times your monthly benefit should you die during a period of disability Features: Waiting period of 14, 30, 60, 90, 120 or 730 days Benefit period of 2 or 5 years, or up to age 65 Premiums adjusted every 10 years or level premium to age 65 Coverage may be extended past age 65 Disability income coverage can be converted into business expense coverage
8 Select from a menu of options: 3 Cost of living: monthly benefit will be increased based on the Consumer Price Index 3 Partial disability: receive monthly benefit payments even during a partial disability or a gradual return to work 3 Residual disability: receive partial benefit payments in case you do not fully recover 3 Refund of premium: refund of 50% of the premiums paid when the contract matures, minus any benefits received 3 Future insurability: option to increase the benefit amount as your income increases, regardless of your state of health 3 Regular occupation period extender: be eligible to continue receiving your monthly benefit, after 24 months of total disability even if you are able to perform another type of occupation SOLO Disability Income allows you to cover your expenses and rehabilitation costs without dipping into your hard earned savings or putting yourself into debt that you may never get out of. Considering how important you are to your family and/or business, you have every reason to protect yourself against the unexpected. Offered with your SOLO insurance contract. MEDICAL ADVICE
9 If an illness or accident prevented you from working: When faced with a health problem, it can be reassuring to have access to a medical specialist. That s why complementary medical assistance service is included with every SOLO product. How long would you be able to pay the bills? How long would you be able to keep things afloat? And what would you do after that? Did you know that there is a one in three chance that you ll experience a disability period lasting 90 days or longer by age 65? Source: Statistics Canada.
10 You are a Type A... They all count on you to get it done... Do you have a plan B in the event of a disability? Enhanced Plan: Preventive services: reimbursement of 100% of expenses. Basic care: reimbursement of 60% of expenses Annual maximum per person for preventive services and basic care: $750 for the first year, $750 for the second year, and $1,000, starting in the third year. Major care (root canals, periodontics, oral surgery, unerupted teeth extractions, dentures, bridges and overlays, veneers, onlays): reimbursement of 60% of expenses. Annual maximum per person: $500, effective the third year. Comprehensive orthodontic care : reimbursement of 60% of expenses. Annual maximum per person: $1,000 for the term of the contract, starting in the third year. Hospitalization Basic Plan: Reimbursement of room costs up to the cost of a semi-private room (maximum of $150 per day). Cash benefit of $25 per day (30-day maximum), starting on the fourth day of hospitalization if a private or semi-private room is not available. Enhanced Plan: Reimbursement of the cost of a room up to $200 per day. Cash benefit of $50 per day (maximum 60 days), starting on the fourth day of hospitalization if a private or semi-private room is not available. SOLO Healthcare is an excellent complement to our other SOLO products. Multi-coverage discount Receive a 5% multi-coverage discount when combining SOLO Healthcare coverage with any other eligible insurance product for an annual premium of $400 or more. 3 3 Certain conditions apply.
11 2. Health Plus (Enhanced Plan) Same coverage as the basic plan, but with higher allowable reimbursement amounts for eligible medical and paramedical care. Reimbursement of up to $350,000 for all care received, for the term of the contract. If the enhanced plan is chosen, a prescription drug option must also be added. Optional modules (riders) Prescription drugs Atlantic, Ontario and Western provinces Basic Plan: reimbursement of 70% of the first $4,285. Maximum: $3,000 per individual per contractual year. Enhanced Plan: reimbursement of 70% of the first $4,285 and 90% afterwards. Maximum of $25,000 per individual per contractual year. Quebec Reimbursement of 100% of dispensing fees not covered by the RAMQ, including the deductible and coinsurance. Maximum of $25,000 per individual per contractual year. Dental Benefit 2 Basic Plan: Preventive services (examination, cleaning, etc.): reimbursement of 80% of expenses. Basic care (fillings, gingival curettage and root planing [deep scaling below the gum line] and other minor restoration): reimbursement of 50% of expenses. Annual maximum per person for preventive services and basic care: $700 for all consultations. Covers your business expenses in the event of a disability SOLO BUSINESS EXPENSE 2 Available in combination with one of the prescription drug options.
12 Covers your medical, paramedical, visual and dental expenses Who would pay your bills if you couldn t work or earn an income and, look after your interests, no matter what? SOLO TM Business Expense pays you a monthly benefit to help cover your overhead costs when you are unable to work due to an accident or illness. By covering expenses such as payroll, rent and property taxes, it allows you to take the time you need to recover. A little planning can go a long way; when you recover and return to work, wouldn t it be great to not have to work twice as much to repay expenses incurred during your absence. Eligible business expenses: 3 Payroll for employees 3 Power, rent, telephone and other utilities 3 Interest expenses 3 Amortization or periodic repayment of capital, including mortgages 3 Professional services of an external accountant 3 Property taxes for the place of business 3 Property and casualty insurance 3 Leasing or amortization of material and equipment, including an automobile Plans offered 1. Health Plus (Basic Plan) No deductible. Medical and paramedical care: Eligible expenses: Healthcare professionals and alternative medicine practitioners such as massage therapists, chiropractors, physiotherapists and homeopaths Hearing aids, orthotics, insulin pumps, etc. Diagnostic services such as CT scans or MRIs Reimbursement up to $250,000 for all care received, for the term of the contract Vision Care: reimbursement up to $150 per period of 24 consecutive months Travel insurance (30 days): maximum benefit of $5,000,000 per individual
13 Covers your business expenses in the event of a disability Would you like to have the kind of medical and dental perks offered by big companies? An illness or accident can happen to anyone. And when it happens, costs relating to medical and paramedical care quickly add up, especially if you don t have group insurance. SOLO TM Healthcare is the big company perk you can give yourself. It covers your usual healthcare costs, as well as the unexpected, with health coverage similar to group coverage. It picks up where your provincial health insurance leaves off. Coverages offered Medical and paramedical care Vision Care Prescription drugs 1 Dental Benefit Hospitalization Advance Medical services Travel insurance (30 days) Coverage description Coverage up to age 70 Programs offered: Individual Spousal Family Single-parent Features: Monthly benefits from $400 to $4,000 Waiting period of 30, 90 or 120 days Benefit paid on the first day in the event of hospitalization or day surgery (waiting period less than 120 days) Benefit period of 2 or 3 years Level premium to age 65 Coverage may be extended beyond age 65 SOLO Business Expense helps you meet the financial obligations of your business so you can focus on getting better. With all the responsibilities you have on your shoulders, having your business expenses covered at all times just make sense. 1 Coverage that complements your provincial health insurance plan.
14 If you couldn t work and earn an income, would you still be able to afford your mortgage payments? Would you be able to repay your other loans? SOLO HEALTHCARE Covers your medical, paramedical, visual and dental expenses
15 If you needed to be rushed to the hospital, who pays for the ambulance? You want to explore natural or alternative treatments for your illness or injury does anyone cover that? Have you noticed that the cost of dental care only ever goes one way? Up! SOLO LOAN INSURANCE Financial security in case of disability
16 Financial security in case of disability Like most of us, you probably have more than one loan. Make sure you ll be able to keep paying them off, no matter what happens. Protect your lifestyle and that of your family. SOLO Loan Insurance from Desjardins Insurance covers your monthly loan payments if you re unable to work because of an illness or accident. All types of loans taken out from any financial institution authorized to do business in Canada are covered. Here are some examples: Mortgage and mortgage line of credit with repayment of capital (plus 25% for property taxes) Line of credit RRSP loan or any other loan to finance an investment Renovation loan Car/motorhome/boat/motorcycle loan or long-term leasing Student loan Personal loan Credit card SOLO Loan Insurance isn t tied to one specific loan; it applies to the sum of your eligible loans when a claim is submitted. Financial evidence of loans or other eligible monthly liabilities is required only when you make a claim. Advantages: ONE insurance contract for all your loans Independence from creditors Ability to choose certain features (benefit amount, waiting period and benefit period) Very flexible coverage (a paid-off loan can easily be replaced with another loan) Non-taxable benefits that aren t integrated or coordinated with other benefits (except for coverages insuring the same loan(s)) Benefit description: Options available: Partial disability Future insurability Regular occupation period extender rider
Personalized disability and healthcare protection
Personalized disability and healthcare protection Are you ready to retire? Probably not! Right now you re focused on earning a living. But how would you protect your income if something happened that
More informationDISABILITY INSURANCE TO COVER LOANS. Financial security in case of disability
DISABILITY INSURANCE TO COVER LOANS Financial security in case of disability If you couldn t work and earn an income, would you still be able to afford your mortgage payments? Would you be able to repay
More informationGroup Benefits Effective February 1, 2013
Group Benefits Effective February 1, 2013 Benefit Solutions for Your Organization What s in it for you? A Blue Chip TM Benefits Plan from Saskatchewan Blue Cross is a solid investment. Your Group Benefits
More informationIncome replacement in the event of disability
Personalized disability and health care protection For Representative Use Only Income replacement in the event of disability SOLO tm business expense SOLO tm disability income Self-employed workers Business
More informationHEALTH INSURANCE. Family, Home, Career... and your Health. You have it all and want to protect it
HEALTH INSURANCE Family, Home, Career... and your Health You have it all and want to protect it Does this sound like you? More than ever before women are: Leaders, fully in-charge of their dreams and destinies
More informationAdded-Value Coverage. Competitive Prices. Personalized Service PROGRAM SUMMARY. March 2016 - Policy number 31943. Insurance program administered by
Competitive Prices Added-Value Coverage Personalized Service PROGRAM SUMMARY March 2016 - Policy number 31943 Insurance program administered by HELP MAINTAIN YOUR FINANCIAL STABILITY with the Quebec Association
More informationExtended Health Care Dental Care Life Insurance Disability Insurance. Benefits Information for Executives
Extended Health Care Dental Care Life Insurance Disability Insurance Benefits Information for Executives SICKKIDS BENEFITS PLAN This brochure provides a brief description of the benefits plan offered by
More informationOPTION ONE DRUG 1 & DENTAL 1
OPTION ONE DRUG & DENTAL An ideal plan for occasional prescriptions dental visits Highlights of Option One: Basic prescription drug coverage (70%) Basic dental coverage (70%) No medical questionnaire is
More informationSunAdvantage. See the advantage of. Group benefits built for small businesses
See the advantage of SunAdvantage Group benefits built for small businesses At Sun Life Financial, we know that small businesses play a vital role in Canada s economy, and we re always looking for ways
More information1-877-COVER ME. If you have any questions, give us a call at (1-877-268-3763) The Complete Guide to Flexcare for Residents of Ontario
If you have any questions, give us a call at 1-877-COVER ME (1-877-268-3763) Flexcare is offered through Manulife Financial (The Manufacturers Life Insurance Company). Plans underwritten by The Manufacturers
More informationEDUCATION SECTOR. ARTA Retiree Benefits Plan Effective September 1, 2014
EDUCATION SECTOR ARTA Retiree Benefits Plan Effective September 1, 2014 In order to be eligible for coverage under the ARTA Retiree Benefits Plan, you must apply for and participate in all public Provincial
More informationCDSPI Retiree Benefits
CDSPI Retiree Benefits HEALTH BENEFITS AT GREATLY PREFERRED PRICING EXCLUSIVELY FOR RETIRED DENTISTS In retirement you can continue protecting yourself and your family with personal health insurance through
More informationProtecting your family with insurance: How RBC Royal Bank can help
Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from
More informationSimple and affordable health care protection for you and your family
Simple and affordable health care protection for you and your family Your guide to Flexcare Province of Ontario Table of contents How to build your own plan 2 g 3 DrugPlusTM Basic plan details DrugPlusTM
More informationInsurance: an important part of your financial plan
CREDIT INSURANCE Insurance: an important part of your financial plan As an entrepreneur, you need a solid financial plan for your business so that you can focus on the big picture. Are you self-employed?
More informationGROUP INSURANCE COVERAGE SUMMARY GARANTIES. Multi-employer Group Insurance Program FNQBN-RBA
GROUP INSURANCE COVERAGE SUMMARY GARANTIES Multi-employer Group Insurance Program FNQBN-RBA March 2014 Multi-employer Group Insurance Plan RAPNQ- RBA of Insurance Coverage Basic life insurance Member Option
More informationLONG-TERM CARE INSURANCE. You make the decisions
LONG-TERM CARE INSURANCE You make the decisions EATING, BATHING, DRESSING, GETTING OUT OF BED... ROUTINE DAILY ACTIVITIES SOMEDAY WE MAY NOT BE ABLE TO DO ON OUR OWN Someday, because of your age or an
More informationMortgage Insurance. Mortgage Insurance that is Custom Built to Meet Your Needs. that is Custom Built to Meet Your Needs. About Industrial Alliance...
Mortgage Insurance that is Custom Built to Meet Your Needs HOME PROTECTION PLAN MORTGAGE INSURANCE About Industrial Alliance... Founded in 1892, Industrial Alliance Insurance and Financial Services Inc.
More informationTable of Contents. Focusing on health...3. Leading to our Options...5. Channelling our strengths. Guiding you in the right direction
Table of Contents Focusing on health...3 Leading to our Options...5 Comprehensive and affordable. coverage Options...6 Options and Options Plus Benefits Comparison... 10 Enhanced coverage Options Plus...
More informationLife Insurance Company
Losing your group health and dental coverage? We have solutions. Plans underwritten by The Manufacturers Life Insurance Company Health and dental benefits are often taken for granted. Until they end. Are
More informationPerformPlus A standard product made to order! Group insurance
PerformPlus A standard product made to order! Group insurance PerformPlus Healthy employees make for a healthy company. That s why businesses of all sizes have started paying more attention to health and
More informationProtecting Your Assets and Lifestyle: A Critical Illness Insurance Review
Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Table of Contents Page Your
More informationMake an informed choice
Producer Information I Index Universal Life Insurance Make an informed choice Long Term Care or Chronic Illness Rider? As our population ages, obtaining financial protection against long term care (LTC)
More informationFlexible Mortgage Protection
10 % Flexible Mortgage Protection with Life Insurance Product issued by Life Insurance Company of the Southwest 62686 MK2272(1112) TC6896(0612) Protect your home, family and income all in one policy A
More informationHOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs
HOME PROTECTION PLAN MORTGAGE INSURANCE Mortgage Insurance that is Custom Built to Meet Your Needs Mortgage Insurance that is Custom Built to Meet Your Needs Your mortgage insurance should offer you sufficient
More informationHave questions when you buy insurance
Helpful advice from CARP s recommended & trusted insurance provider VOLUME 5 Have questions when you buy insurance Inside this issue: HOW do I choose the right coverage? WHAT makes the plans different?
More information50+ Life insurance. An affordable solution with many advantages
50+ Life insurance An affordable solution with many advantages If you think it s too late to take out life insurance, keep reading! Just because you re over 50 doesn t mean it s too late to take out life
More informationLong Term Care. TransACE Long Term Care Rider Consumer Guide ICC12 OL 3011 0912. t r a n s a m e r i c a
Long Term Care GET STARTED ON YOUR PLANS TODAY TransACE Long Term Care Rider Consumer Guide ICC12 OL 3011 0912 t r a n s a m e r i c a Americans are living longer lives which means needs are changing.
More informationUS ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE
US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE INTRODUCTION This booklet is published by the US Army NAF Employee Benefits Office. It is intended to provide you with useful information about the US Army
More informationProVider Plus Individual Disability Income Insurance
ProVider Plus Individual Disability Income Insurance Keeping income strong Table of Contents Your income is your most valuable asset. Protect it!...........1 Disability Could it happen to you?........................2
More informationQUICK FACTS. Long Term Care Rider. TransACE Long Term Care Rider At-A-Glance
Long Term Care Rider Overview TransACE Long Term Care Rider QUICK FACTS The Long Term Care (LTC) Rider provides for the acceleration of life insurance death benefits on an indemnity basis if the insured
More informationSchedule of Benefits International Select Gold
Schedule of Benefits International The following benefits for International are subject to the Policyholder s Calendar Year Deductible and Coinsurance. For Contracts with a $10,000 or $25,000 Deductible,
More informationAccelerated Death Benefit Endorsements
Accelerated Death Benefit Endorsements Financial Protection To Help With Critical, Chronic and Terminal Illness Client Brochure THIS IS NOT LONG TERM CARE INSURANCE, HEALTH INSURANCE, OR DISABILITY INSURANCE,
More informationContinuum affordable insurance Plan for students who are completing their studies.
Discover Continuum An affordable health, dental, vision, and emergency travel assistance insurance Plan for students who are completing their studies. The continuation of affordable insurance coverage
More informationLife and protection insurance explained
protection? Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If
More informationU NDERSTANDING THE NEED FOR C USTOMIZED F INANCIAL S OLUTIONS P ERSON P ERSON.
U NDERSTANDING THE NEED FOR INCOME PROTECTION C USTOMIZED F INANCIAL S OLUTIONS P ERSON BY P ERSON. What is your greatest asset: Your home? Business? Investments? They re all vital to your lifestyle, and
More informationKeysight Benefits in Brief
Keysight Benefits in Brief A summary of the benefits provided to Keysight employees in Canada Effective August 1, 2014 through July 31, 2015 Inside: Managing Work/Life Demands Staying Healthy For Your
More informationLEMAY EMPLOYEES ENROLMENT GUIDE
LEMAY EMPLOYEES ENROLMENT GUIDE WELCOME Welcome to the Lemay modular program. In this guide, you ll find everything you need to understand the plans, the applying rules and to make the necessary choices.
More informationA simple guide to Life Insurance
A simple guide to Life Insurance Your guide to Life, Income Protection, Trauma, and Total & Permanent Disability Insurance. Lifebroker Pty Ltd ABN 92 083 177 011 Introduction Why do I need personal insurance?...
More informationIncome Protection Disability
Income Protection Disability Protecting loved ones from financial hardship in the event of premature death of a primary income earner is usually a high priority for most Canadians. Unfortunately, while
More informationThis booklet is designed to help you understand long-term care insurance and how it can help you prepare financially for future long-term care needs.
This booklet is designed to help you understand long-term care insurance and how it can help you prepare financially for future long-term care needs. More information and help is available from your financial
More informationGuaranteed Protection Universal Life. Discover What s Possible
Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life
More informationARTA Retiree Benefits Plan Effective January 1, 2013. Health Wise Plus (formerly Enhanced
PUBLIC SECTOR ARTA Retiree Benefits Plan Effective January 1, 2013 The Health & Dental Plan renews automatically on September 1 every year. There are a number of voluntary benefits options available to
More informationBASIC GROUP LIFE INSURANCE - POLICY 132908
1. Basic Group Life Insurance BASIC GROUP LIFE INSURANCE - POLICY 132908 RETIREMENT BENEFITS PLAN HIGHLIGHTS EMPLOYEE GROUP COVERAGE COST TAKES EFFECT 31 DAYS FROM DATE OF RETIREMENT REMAINS IN EFFECT
More informationBusiness Loan Protector
Business Loan Protector Insurance Advisor Guide For advisor use only. PLAN CODE: 958 periodic pay; 958L lump sum PRODUCT TYPE Business protection PURPOSE AND MARKET The Business Loan Protector policy has
More informationBENEFITS AT A GLANCE FACULTY & ADMINISTRATORS
BENEFITS AT A GLANCE FACULTY & ADMINISTRATORS Emily Carr University is pleased to provide employees a comprehensive benefit package. The benefits plans are designed with the continuing health and well-being
More informationOptional Group Critical Illness. Financial support at a critical time
Optional Group Critical Illness Financial support at a critical time Medical advances have greatly increased the ability of Canadians to survive a critical illness. However, few of us are prepared for
More informationPerformPlus A standard product made to order! GROUP INSURANCE
PerformPlus A standard product made to order! GROUP INSURANCE PerformPlus Healthy employees make for a healthy company. That s why businesses of all sizes have started paying more attention to health and
More informationIndividual health plans for you and your family. Within your reach
Individual health plans for you and your family Within your reach Designed to meet your needs Alberta Blue Cross individual health and dental plans help you and your family stay healthy by providing practical
More informationGroup Insurance Plan Summary Ostéopathie Québec
Group Insurance Plan Summary Ostéopathie Québec 2222222222222 Administered by AGA Benefit Solutions This explanatory brochure gives you an overview of the coverage offered by the Ostéopathie Québec group
More informationThis booklet is designed to help you. understand health insurance that. supplements your public coverage and. to become an informed consumer.
This booklet is designed to help you understand health insurance that supplements your public coverage and to become an informed consumer. More information and help is available from your health insurance
More informationHEALTH BENEFITS September 1, 2009 August 31, 2010
NEW SU Health & Dental Plan Thanks to a strong mandate from students in the recent referendum over 80% voted in favour the SU is proud to announce that undergraduate students have been able to use their
More informationDisability Income Replacement Plan & Business Overhead Expense Plan
Disability Income Replacement Plan & Business Overhead Expense Plan protecting your income Engineers Canada-sponsored Disability Income Replacement coverage and Business Overhead Expense coverage offer
More informationMortgage Insurance Solutions. Advisor Guide
Mortgage Insurance Solutions Advisor Guide Table of Contents The Opportunity 2 The Solution 3 Case Study 4 Mortgage Critical Illness Insurance and your money back! 5 The Results 6 Preparing a Quote 7 The
More informationQoL Performer Plus SM. Life Insurance + Optionality = Opportunities that Can Last a Lifetime!
QoL Performer Plus SM Life Insurance + Optionality = Opportunities that Can Last a Lifetime! This is what happens when you think about life insurance differently. You create powerful, permanent life insurance
More informationDESJARDINS GROUP PLANS
DESJARDINS GROUP PLANS Quick Reference Guide for New Employees The Desjardins Group Plans website lets employees enrol themselves in the group insurance plan, modify their group insurance coverage as needed
More informationdental plans and term life insurance coverage
dental plans and term life insurance coverage Dental coverage Complete your Blue Shield health coverage with an affordable dental plan. Did you know that more than 90% of all common diseases have oral
More informationCritical Illness Insurance
Advances in lifestyle and medical technology have greatly increased your chances of surviving a critical illness. But can you survive financially? Keep in mind that your regular bills, loans, tuition,
More informationProtecting Your Assets and Lifestyle: A Critical Illness Insurance Review
Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Prepared for: Your Client
More informationEARLY RETIREE (AGE 55-64) HEALTH & DENTAL BENEFIT COMPARISON as at April 2013
(through (MROO) / (through Direct Comprehensive Drugs (legally requiring a prescription) * - Drug card reimbursed at 90% (including dispensing fee up to $7.00) - $1,200 maximum per - Pays up to $100 of
More informationHelp your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits. Producer Guide
Help your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits Producer Guide Life insurance can leave a legacy. It can provide a living benefit too.
More informationBusiness Assurance. Business Assurance. Protecting your business and lifestyle
Business Assurance Business Assurance Protecting your business and lifestyle Our business covers at a glance Cover What is it? Why do you need it? Life Cover Trauma Cover (accelerated) Complete Disablement
More informationSimple and affordable health care protection for you and your family
Simple and affordable health care protection for you and your family Your guide to Flexcare Province of British Columbia Table of contents How to build your own plan............... 2-3 DrugPlusTM Basic
More informationFrequently. asked questions. g ro u p insu ra n ce
g ro u p insu ra n ce Frequently asked questions The answers to the following questions are for union members enrolled in FNEEQ-CSN s group insurance plan. Please contact your union to learn about the
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,
More informationFREQUENTLY QUESTIONED SERVICES
FREQUENTLY QUESTIONED SERVICES This chart lists items the Office of Personnel Management often receive inquiries on as to how, or if, the items are covered under our benefit Programs. Links to Program
More informationTrendsetter LB (Living Benefits)
Trendsetter LB (Living Benefits) Frequently Asked Questions TABLE OF CONTENTS Why do I need Living Benefits?...1 What are Living Benefits on a Life Insurance Policy and Accelerated Death Benefits?... How
More informationIncludes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid.
Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. WHAT IS INSURANCE? It s simply the transference of a risk from yourself to the Insurer. By paying the
More informationThe 2015 Self-Assessment Guide For Long Term Care Insurance
The 2015 Self-Assessment Guide For Long Term Care Insurance A JOINT PUBLICATION BY: SHIP State Health Insurance Assistance Program And Indiana Partnership Long Term Care Insurance Program Both of the Indiana
More informationTrendsetter. LB Series. Product Overview
Trendsetter LB Series Product Overview Trendsetter LB Series Life happens. Are you prepared? Sometimes we are surprised by what happens in life. One of the most important assets we have is our health
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationLife Insurance You Don t Have to Die to Use. 8532 QOL REV0615. Policies issued by American General Life Insurance Company (AGL).
Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615 Policies issued by American General Life Insurance Company (AGL). Quality of Life...Insurance is Changing The Way Americans Think About, Purchase
More informationAsk yourself these three very important questions
QoL Flex Term Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford? More than likely, your answer to the
More informationLong-Term Disability Insurance
Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.
More informationShort-Term Disability Insurance
Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Lake County Board of County Commissioners Protecting Your Family Securing Your Future As long as you've got your health. If
More informationProtective Advantage Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14)
Protective Advantage Choice SM UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14) You need life insurance to provide financial protection for your loved ones. But you also understand the importance
More informationHow To Get A Long Term Care Insurance Plan From Prudential
2010 Insurance Benefits Guide www.eip.sc.gov Employee Insurance Program 141 Insurance Benefits Guide 2010 Table of Contents Insurance...143 Important Information About the Plan...143 Plan Details...144
More informationDisability Insurance How to Maximize Your Benefits
Disability Insurance How to Maximize Your Benefits Until an individual has created sufficient wealth to provide adequate income for their family in the event of a disability, it is vital to manage the
More informationIncome Protection. Disability Insurance. Pillar Series
Income Protection Disability Insurance Pillar Series Income Protection Protect your income in the event of disability Pillar Series disability insurance is affordable personal income protection designed
More informationZurich s Index UL. Living Benefit Solutions. Accelerated Death Benefit Riders for Chronic and Terminal Illness
TM Zurich s Index UL Living Benefit Solutions Accelerated Death Benefit Riders for Chronic and Terminal Illness Offered by Zurich American Life Insurance Company For agent and broker information only.
More informationBenefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits
Benefits Highlights Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits GE Benefits: Adding value beyond your paycheck The Company offers a wide
More informationFrequently Questioned Services
Frequently Questioned Services This chart lists items the Office of Personnel Management often receives inquiries on as to how, or if, the items are covered under our benefit Programs. Links to Program
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of Lake County Board of County Commissioners 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If
More informationTerm Life Insurance. Permanent Life Insurance PRODUCT GUIDE 4987-02A-JUL14. LifePhases is marketed through PPI Solutions.
Term Life Insurance Permanent Life Insurance PRODUCT GUIDE 4987-02A-JUL14 LifePhases is marketed through PPI Solutions. This document is a summary of the various features of the LifePhases and LifePhases
More informationHealth. Insurance YOUR GUIDE TO. Life Insurance Association. General Insurance Association of Singapore. Produced by.
Produced by Life Insurance Association General Insurance Association of Singapore YOUR GUIDE TO Health Insurance An initiative of MoneySENSE A National Financial Education Programme for Singapore Introduction
More informationProtection For Your Mortgage
Protection For Your Mortgage Protect What s Important Distribution Guide and Certificate of Insurance 592150 (0715) For use in Quebec only Protection For Your Mortgage Protect What s Important Distribution
More informationUnderwritten by Genworth Life Insurance Company
The Teacher Retirement System of Texas Group Long Term Care Insurance Program for New TRS Members Underwritten by Genworth Life Insurance Company 2007 Genworth Financial, Inc. All rights reserved. 45145
More informationAsk yourself these three very important questions
QoL FlexTerm Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford? More than likely, your answer to the first
More informationSample Employee Benefit Booklet Describing a Health Spending Account. Benefit Plan Description
Sample Employee Benefit Booklet Describing a Health Spending Account Benefit Plan Description Purpose The purpose of this medical and dental benefit plan (Plan) is to assist Members with the financial
More informationYOUR CHOICE. Please contact us. the colour of choice TM. HEALTH DENTAL TRAVEL Benefit Plans. Individual Products Sales and Support
Please contact us to receive more information on rates, application forms, detailed brochures or plan details. YOURhealth Individual Products Sales and Support Telephone: 604 419-2200 Fax: 604 419-2199
More informationLiving benefits included at no additional premium cost
Living benefits included at no additional premium cost TERM LIFE INSURANCE OFFERED BY: Alliance Marketing Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio
More informationBT Protection Plans. Product Disclosure Statement and Policy Document (PDS)
BT Protection Plans Product Disclosure Statement and Policy Document (PDS) Dated 19 May 2014 Who s responsible for BT Protection Plans The Insurer is Westpac Life Insurance Services Limited ABN 31 003
More informationLONG TERM DISABILITY INSURANCE PLAN
A benefit of your membership! INSURANCE SPECIALISTS, INC. LONG TERM DISABILITY INSURANCE PLAN Long Term Disability coverage endorsed by your association as a benefit of your membership. Help protect your
More informationSecurePlus Provider I N D E X E D U N I V E R S A L L I F E
SecurePlus Provider I N D E X E D U N I V E R S A L L I F E B U Y E R S G U I D E TC27761(0906) Life is a journey. And while there are many unknowns along the way, you can be prepared. Preparations should
More information