Economical Select. See what we can do for you. Discover auto and home insurance designed to meet the needs of your group.

Size: px
Start display at page:

Download "Economical Select. See what we can do for you. Discover auto and home insurance designed to meet the needs of your group."

Transcription

1 Economical Select See what we can do for you Discover auto and home insurance designed to meet the needs of your group.

2 Who doesn t enjoy saving money? With Economical Select, everyone benefits. We offer a group plan that provides discounted rates on auto and home insurance at no cost to you.

3 Your group advantage There are advantages to being part of a group. Whether you re building a competitive package for your employees or looking for ways to provide your members with additional value, Economical Select can help tailor a plan that s perfect for your group. It s simple. We provide professional marketing materials, on-site information sessions and value-added promotions at no cost to you. Your group benefits from discounted auto and home insurance rates. We administer all sales and service functions, so you are responsible for minimal administration. SEE WHAT WE CAN DO FOR YOUR GROUP. 1 ECONOMICAL SELECT Group auto and home insurance

4 Who we are Economical Select is committed to providing reliable group insurance coverage. Our policyholders are at the centre of all we do. Your group members can count on us to provide the coverage and support they need when they need it most. Economical Select is part of Economical Insurance, one of the largest property and casualty insurance companies in Canada. For over 140 years, Economical has provided Canadians with security and support. We ve grown and evolved with our policyholders reliably protecting them at home, at work and at play. In the community WE BELIEVE IN MAKING A DIFFERENCE. Since 1871 when we came together with local farmers, merchants and families to make Waterloo Region a viable and financially secure community, we have remained steadfast to our original promise of neighbours helping neighbours. We are proud of our corporate citizenship. Every year, we invest more than $1 million in support of charitable organizations and causes that drive true change and make a difference in communities and regions where we do business. Group auto and home insurance ECONOMICAL SELECT 2

5 Our A.M. Best rating In 2014, Economical Select received an A.M. Best rating of A- (Excellent). Our rating provides further reinforcement of Economical s significant financial strength and positive operating performance. For more information about A.M. Best ratings, visit ambest.com. Canada s Best General Insurance Company World Finance magazine named Economical Insurance Canada s Best Non-Life (General) Insurance Company for 2013 and The annual World Finance awards celebrate achievement, innovation and brilliance, and provide a comprehensive analysis of the very best in various markets. Canada s BEST General Insurance Company for 2014 Visit worldfinance.com for more information. WE ARE GOOD TO KNOW. Learn more at economicalinsurance.com 3 ECONOMICAL SELECT Group auto and home insurance

6 Auto insurance WE PROVIDE COVERAGE ON THE ROAD, TRAILS AND PLACES IN BETWEEN. Our auto insurance offerings include: Private passenger vehicles Motorcycles Snowmobiles All-terrain vehicles Antique vehicles Campers Trailers Motor homes Further savings are available with our auto insurance discounts, including: Anti-theft Multi-policy Conviction-free Multi-vehicle Renewal Mature drivers Occasional drivers away at school Group auto and home insurance ECONOMICAL SELECT 4

7 Home insurance THE RIGHT COVERAGE PROVIDES PROTECTION AND PEACE OF MIND. Our home insurance packages include: Homes Condominiums Rental residences Seasonal homes Watercraft We also offer personal umbrella coverage and increased liability limits. Your group can take advantage of further savings with additional discounts, including: Security/fire alarm Claims-free Mature homeowner Mortgage-free Multi-residence (home and seasonal) Newer home Multi-policy 5 ECONOMICAL SELECT Group auto and home insurance

8 Benefits for everyone FOR YOU: Enhanced benefits program at no additional cost Minimal administration Sales and service functions provided by Economical Select FOR YOUR GROUP MEMBERS: Competitive group rates on quality insurance protection Substantial discounts applied in addition to group rates Convenient payment options with no interest, service charges or fees an extra 3 to 4 per cent off total premiums Personalized insurance counselling from licensed professionals Access to our national sales and service centre with extended hours for all services Fast, fair, courteous 24-hour claims service across North America at one toll-free number Economical Select scored 92 per cent in our 2014 claims satisfaction survey. * Convenient payment options Premiums can be paid: annually, in three installments, or monthly by pre-authorized debit. Payments can be made online, at a bank, or at an ATM. We accept Visa, MasterCard or American Express. There are no service fees on payment plans an additional 3 to 4 per cent savings. Group auto and home insurance ECONOMICAL SELECT 6 * Percentage based on 73,224 Economical claimant survey responses measuring customer satisfaction with Economical s claims services from January 2007 to December 2014.

9 Second Medical Opinion * coverage enhancement NOTHING IS MORE IMPORTANT THAN YOUR HEALTH. If you ve ever faced a serious illness, you know how daunting it can be to make important medical decisions. You want to be sure you re selecting the best possible treatment options for yourself and for your family. ECONOMICAL SELECT CAN HELP. We offer a Second Medical Opinion coverage enhancement free of charge with every property policy. Your group members benefit from the global network of over 20,500 physicians, specialists and sub-specialists organized through WorldCare. A group member with a property policy can request a second medical opinion for a variety of serious conditions. This service is available to the group member, their spouse and any dependent children. Visit worldcare.com for more information about this valuable coverage enhancement. * To qualify, policyholders must live in a Canadian province (excluding Quebec) and maintain an active primary residence homeowner, tenant or condominium unit owner policy with Economical Select. Coverage is available to policyholders under the age of ECONOMICAL SELECT Group auto and home insurance

10 Frequently asked questions THIS SEEMS TOO GOOD TO BE TRUE. IS THERE SOMETHING I M MISSING? You re not missing a thing. Economical Select group auto and home insurance costs nothing to implement, and provides your members with discounts on premiums. We ll absorb the marketing costs and handle all the administration while passing on highly competitive group rates. WE ALREADY HAVE A GROUP BENEFITS PROVIDER. WHY DO WE NEED THIS PROGRAM? Economical Select s group auto and home insurance program isn t a benefits plan it s a voluntary program for your group members. It can be positioned as an added bonus at no cost to your organization. HOW MUCH TIME WILL I NEED TO COMMIT TO THIS PROGRAM? Our program runs successfully with very little demand on your time. We handle marketing and promotion all you have to do is distribute materials regularly to your members. Group auto and home insurance ECONOMICAL SELECT 8

11 YOUR RATES ARE GREAT THIS YEAR, BUT WHAT ABOUT NEXT YEAR? In Canada, the various regulatory provincial bodies determine the standards for automobile insurance and all rate changes must be approved by these agencies. Economical Select cannot change rates arbitrarily. Also, your group rate is based on your industry classification and not the claims experience of your group, so your discount won t change. DO YOU REQUIRE A MINIMUM NUMBER OF MEMBERS TO ESTABLISH A GROUP INSURANCE PROGRAM? Yes. In order to qualify for a group auto and home insurance program, you must have a minimum of 100 members. There is not, however, a requirement for how many members participate in the program. 9 ECONOMICAL SELECT Group auto and home insurance

12 The Economical brand includes the following property and casualty insurance companies: Economical Mutual Insurance Company, Perth Insurance Company, Waterloo Insurance Company, The Missisquoi Insurance Company, Federation Insurance Company of Canada. Economical Select is underwritten by Waterloo Insurance Company. Due to government insurance plans, Economical Select does not offer auto insurance in British Columbia, Saskatchewan or Manitoba. Economical Select does not offer insurance in Newfoundland and Labrador, Northwest Territories, Nunavut or Yukon. The agreement between Economical Select and your group sponsor may be terminated in accordance with its terms. Upon such termination, Economical Select will continue to provide the program to existing policyholders until their respective renewal dates Economical Insurance. All rights reserved. All intellectual property, including but not limited to Economical and related trademarks, names and logos are the property of Economical Mutual Insurance Company and/or its subsidiaries and/or affiliates and are registered and/or used in Canada. All other trademarks are the property of their respective owners. 3609E (04/15)

You ve earned it. George Brown College Alumni Home and Auto Insurance Plan

You ve earned it. George Brown College Alumni Home and Auto Insurance Plan You ve earned it. George Brown College Alumni Home and Auto Insurance Plan Your alumni advantage We know you ve worked hard to get where you are today, and we re proud of our George Brown College alumni.

More information

Group Automobile and Residential Insurance Program Prepared for Canadian Assistive Devices Association

Group Automobile and Residential Insurance Program Prepared for Canadian Assistive Devices Association Group Automobile and Residential Prepared for Canadian Assistive Devices Association Submitted by: Marsh Canada Limited Practice July 23, 2009 1 Practice Marsh s (PCS) specializes in the design, placement

More information

The Personal your organization the right fit for your home and auto insurance needs

The Personal your organization the right fit for your home and auto insurance needs The Personal your organization the right fit for your home and auto insurance needs Find out why 96 % of our clients renew year after year. The right fit. The Personal your home and auto group insurer.

More information

Backed by our Claims Service Satisfaction Guarantee. Auto Insurance. Protection built around you and your vehicle

Backed by our Claims Service Satisfaction Guarantee. Auto Insurance. Protection built around you and your vehicle Backed by our Claims Service Satisfaction Guarantee Auto Insurance Protection built around you and your vehicle Peace of mind behind the wheel Basic auto insurance is mandatory in Canada, and your provincial

More information

Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service

Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service Group Home and Auto Insurance Your insurance shouldn t leave you wanting more Back Claimed by our s Satis Service facti Guar o ante *n e Total protection and peace of mind built around you For over 50

More information

AUTO HOME BUSINESS RECREATIONAL VEHICLE INSURANCE. The right fit of savings, exclusive group rates and customized coverage. The right fit.

AUTO HOME BUSINESS RECREATIONAL VEHICLE INSURANCE. The right fit of savings, exclusive group rates and customized coverage. The right fit. AUTO HOME BUSINESS RECREATIONAL VEHICLE INSURANCE The right fit of savings, exclusive group rates and customized coverage The right fit. Home SAVINGS AND EXCLUSIVE GROUP RATES Savings on your home, auto

More information

It s time... to rediscover you

It s time... to rediscover you Backed by our Claims Service Satisfaction Guarantee It s time... to rediscover you Home, auto, and leisure & lifestyle insurance that keeps up with you. As an Aviva customer, you ll benefit from: A wide

More information

Backed by our Claims Service Satisfaction Guarantee. Home and Auto Insurance. Total protection and peace of mind built around you

Backed by our Claims Service Satisfaction Guarantee. Home and Auto Insurance. Total protection and peace of mind built around you Backed by our Claims Service Satisfaction Guarantee Home and Auto Insurance Total protection and peace of mind built around you It s good to be home Especially when you re well protected Your home is an

More information

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date Liberty Mutual Name of Client Presented By: Date 1 About Liberty Mutual Private provider of personal automobile, homeowners, workers compensation, general liability, commercial auto, business property,

More information

Term Life Insurance for CARP Members. Protection that fits your life. Today and for years to come.

Term Life Insurance for CARP Members. Protection that fits your life. Today and for years to come. Term Life Insurance for CARP Members Protection that fits your life. Today and for years to come. Finally, An Insurance Plan That Let s You Live Life On Your Terms Since none of us can predict what tomorrow

More information

The Personal Liability Umbrella Insurance Plan Offered exclusively to our members

The Personal Liability Umbrella Insurance Plan Offered exclusively to our members The American College of Obstetricians and Gynecologists Personal Liability Umbrella Insurance Plan The Personal Liability Umbrella Insurance Plan Offered exclusively to our members Unfortunately, lawsuits

More information

Canada Post Group Economic Impact on Canada. Corporate Planning and Strategy

Canada Post Group Economic Impact on Canada. Corporate Planning and Strategy Canada Post Group Economic Impact on Canada Corporate Planning and Strategy July 27 Section 1 1. The National Impact 2. Impact on the Provinces Corporate Planning and Strategy, July 27 Page 2 Study of

More information

Home and Auto Insurance Program Just the facts for credit union members

Home and Auto Insurance Program Just the facts for credit union members Home and Auto Insurance Program Just the facts for credit union members CUMIS is a trademark of CUMIS Insurance Society Inc. and is used under licence. Insurance is underwritten by CUMIS General Insurance

More information

Massachusetts Private Passenger Automobile Statistical Plan Part VI - Coding Section

Massachusetts Private Passenger Automobile Statistical Plan Part VI - Coding Section STATISTICAL CLASS CODE ASSIGNMENT Statistical Class assignments should be based on the characteristics of the individual used to rate the vehicle. For single vehicle policies, the statistical class must

More information

Wednesday, April 27, theonn.ca

Wednesday, April 27, theonn.ca Wednesday, April 27, 2016 @o_n_n theonn.ca Getting the Right Insurance Coverage for Your Board and Employees Presented by Paul Spark & Carolyn Marczynski, HUB International April 27, 2016 Presentation

More information

Employment termination and group insurance coverage

Employment termination and group insurance coverage HEALTH & DENTAL / DISABILITY, LIFE AND AD&D 14-11 Employment termination and group insurance coverage This GroupLine is a revised version of GroupLine 07-02. Previous versions also include 05-21, 02-11

More information

/1234512345/ The Added Benefits Program for Alcatel-Lucent Employees. With Comparative Rater, auto insurance comparison shopping

/1234512345/ The Added Benefits Program for Alcatel-Lucent Employees. With Comparative Rater, auto insurance comparison shopping AME247-EMP /1234512345/ John Q. Sample Address Line 1 Address Line 2 Anytown, USA 12345-0000 With Comparative Rater, auto insurance comparison shopping and potential savings are just a click away. 99 Park

More information

CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus

CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus Page 1 of 5 CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus Your Certificate Of Insurance CIBC Mortgage Disability Insurance ( Mortgage Disability Insurance ) and CIBC Mortgage

More information

RBC Royal Bank Visa Business. A Better Way To Do Business

RBC Royal Bank Visa Business. A Better Way To Do Business RBC Royal Bank Visa Business A Better Way To Do Business Expense Management Has Never Been Easier Welcome to the RBC Royal Bank Visa Business card a convenient, flexible way to manage expenses. You can

More information

AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD

AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD PROTECTION WHILE YOU ARE ON THE ROAD TO YOUR DREAMS LIABILITY COVERAGE What is Auto Insurance Coverage? An auto insurance policy is a package of several

More information

Rental Vehicle Insurance

Rental Vehicle Insurance Rental Vehicle Insurance Save on rentals in Manitoba, Canada and the United States Get the most protection Control your risks When you rent or borrow a vehicle, think about the insurance protection you

More information

How to Finalize a Private Used Car Sale

How to Finalize a Private Used Car Sale A page for each province! How to Finalize a Private Used Car Sale Everything you need to know about the steps involved with finalizing the sale of a used car - in every province. CARPROOF S SMART BUYERS

More information

There s auto insurance, then there s mutual auto insurance. www.townsendmutual.com

There s auto insurance, then there s mutual auto insurance. www.townsendmutual.com There s auto insurance, then there s mutual auto insurance. www.townsendmutual.com The mutual difference Small, but mighty. Ontario Mutuals are more than 40 independent insurance companies that grew in

More information

Merastar s Group Auto & Home Benefit Program

Merastar s Group Auto & Home Benefit Program Merastar s Group Auto & Home Benefit Program Paul A. Broyles, CLU (800) 523-3796 x 7884 (423) 296-7884 Mobile: (423) 802-6383 paul.broyles@merastar.com William J. Capone, CPIA, LUTCF (800) 523-3796, ext.

More information

AUTO/HOME/RENTERS INSURANCE

AUTO/HOME/RENTERS INSURANCE AUTO/HOME/RENTERS INSURANCE (518) 785-1900 or (800) 342-4306, ext. 243 Visit Membership Benefits Program at www.pef.org PEF Membership Benefits Program offers active dues paying PEF members and PEF retirees

More information

Working together to keep your customers talking. Telecommunications Insurance Plan

Working together to keep your customers talking. Telecommunications Insurance Plan Working together to keep your customers talking. Telecommunications Insurance Plan Working together to keep your customers talking. We re here to serve you Over the last 40+ years Farmers Union Insurance

More information

2012 Annual Balance Reconciliation Return. Instructions & Line Guide

2012 Annual Balance Reconciliation Return. Instructions & Line Guide 2012 Annual Balance Reconciliation Return Instructions & Line Guide Table of Contents 1. Overview... 1 1.1 Purpose of the ABR... 1 1.2 Reporting Requirements... 1 1.3 What s new in 2013... 1 1.4 Obtaining

More information

Life Insurance Company

Life 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 information

Canadian Provincial and Territorial Early Hearing Detection and Intervention. (EHDI) Programs: PROGRESS REPORT

Canadian Provincial and Territorial Early Hearing Detection and Intervention. (EHDI) Programs: PROGRESS REPORT Canadian Provincial and Territorial Early Hearing Detection and Intervention (EHDI) Programs: PROGRESS REPORT www.sac-oac.ca www.canadianaudiology.ca 1 EHDI PROGRESS REPORT This progress report represents

More information

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs.

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs. Travelers Auto and Home Insurance Program Enhance your member benefits, not your costs. A Plan for Your Credit Union Enhance your benefits program, not your costs It s a fact. Good benefits programs help

More information

10. Underwritten by Manulife - a trusted name and industry leader.

10. Underwritten by Manulife - a trusted name and industry leader. 1. We say YES We are the first mortgage protection provider to offer some form of protection to everyone who submits a life insurance application, regardless of your health. As long as you are between

More information

AND IN THE MATTER OF THE MUTUAL RELIANCE REVIEW SYSTEM FOR EXEMPTIVE RELIEF APPLICATIONS AND IN THE MATTER OF TD ASSET MANAGEMENT INC.

AND IN THE MATTER OF THE MUTUAL RELIANCE REVIEW SYSTEM FOR EXEMPTIVE RELIEF APPLICATIONS AND IN THE MATTER OF TD ASSET MANAGEMENT INC. July 28, 2005 IN THE MATTER OF THE SECURITIES LEGISLATION OF BRITISH COLUMBIA, ALBERTA, SASKATCHEWAN, MANITOBA, ONTARIO, QUEBEC, NEW BRUNSWICK, NOVA SCOTIA, PRINCE EDWARD ISLAND, NEWFOUNDLAND AND LABRADOR,

More information

Banking. Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank. Cheque Holding Policy

Banking. Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank. Cheque Holding Policy Day-to-Day Banking Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank Cheque Holding Policy Opening A Personal Deposit Account We make it easy to open a personal deposit

More information

1 800 396-4389 www.carpinsurance.ca. FollowMe TM Life Plan. Life insurance that starts when your group life insurance stops

1 800 396-4389 www.carpinsurance.ca. FollowMe TM Life Plan. Life insurance that starts when your group life insurance stops If you have any questions, please give us a call 1 800 396-4389 www.carpinsurance.ca FollowMe TM Life Plan Brought to you by FollowMe Life insurance plan is offered through Manulife Financial (The Manufacturers

More information

RULE 19. DISCOUNTS and CREDITS

RULE 19. DISCOUNTS and CREDITS RULE 19. DISCOUNTS and CREDITS A. Multi-Car Private Passenger Automobile An individual or lawfully married individuals residing in the same household, who own(s) two or more automobiles and purchases coverage

More information

Planning a trip? We have you covered, from travel insurance to managing your money.

Planning a trip? We have you covered, from travel insurance to managing your money. Planning a trip? We have you covered, from travel insurance to managing your money. Getting ready for a trip? It s an exciting time with so much to look forward to and so much to prepare for. Getting ready

More information

SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL

SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL We know it s a competitive world out there, so here are some highlights of what Safety Insurance Group could offer the insured*: DISCOUNTS: 1.

More information

Home and Auto Program Just the facts for credit union employees

Home and Auto Program Just the facts for credit union employees Home and Auto Program Just the facts for credit union employees CUMIS is a trademark of CUMIS Insurance Society Inc. and is used under licence. Insurance is underwritten by CUMIS General Insurance Company

More information

INTRODUCTION TO MEMBER SERVICES

INTRODUCTION TO MEMBER SERVICES INTRODUCTION TO MEMBER SERVICES WELCOME TO A A A The largest, most recognized and most trusted emergency road service organization in the nation. We look forward to providing you with outstanding service

More information

RULE 19. DISCOUNTS and CREDITS

RULE 19. DISCOUNTS and CREDITS RULE 19. DISCOUNTS and CREDITS A. Multi-Car Private Passenger Automobile An individual or lawfully married individuals residing in the same household, who own(s) two or more automobiles and purchases coverage

More information

Income tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013

Income tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013 Income tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013 Federal income tax rates for income earned by a CCPC 1 Small Active Income between $400,000 and General Active General corporate

More information

Access to Basic Banking Services

Access to Basic Banking Services Access to Basic Banking Services Opening a personal deposit account and cashing Government of Canada cheques or other instruments In order to improve access to basic banking services, legislation requires

More information

Auto Insurance from The Hartford. Get the coverage and value you need for the long road ahead.

Auto Insurance from The Hartford. Get the coverage and value you need for the long road ahead. Auto Insurance from The Hartford Get the coverage and value you need for the long road ahead. Better coverage, better value for you and your family. When you buy auto insurance, you re not just protecting

More information

Travelers Auto and Home Insurance Program

Travelers Auto and Home Insurance Program Travelers Auto and Home Insurance Program ENHANCE YOUR CREDIT UNION MEMBER BENEFITS, NOT YOUR COSTS A plan for your credit union Enhance your member benefits, not your costs It s a fact. Good member benefits

More information

Novex Group Insurance

Novex Group Insurance Novex Group Insurance Air Cadet League of Canada Ontario Provincial Committee Date What is group personal insurance? A program that provides the opportunity for eligible members of the OPC group and some

More information

Home and Automobile Insurance Program For Employees and Associates of All-Risks Insurance Brokers Limited

Home and Automobile Insurance Program For Employees and Associates of All-Risks Insurance Brokers Limited Home and Automobile Insurance Program For Employees and Associates of All-Risks Insurance Brokers Limited The Value of One. The Power of Many. That s the difference with Group Insurance TABLE OF CONTENTS

More information

Travelers Auto and Home Insurance Program. Enhance your benefits, not your costs.

Travelers Auto and Home Insurance Program. Enhance your benefits, not your costs. Travelers Auto and Home Insurance Program Enhance your benefits, not your costs. A Plan for Your Company Enhance your benefits program, not your costs It s a fact. Good benefits programs help attract and

More information

Home, Business & Automobile Insurance PROGRAMS

Home, Business & Automobile Insurance PROGRAMS Home, Business & Automobile Insurance PROGRAMS Customized Insurance PROGRAMS for: Professional Associations Corporations Member-Based Groups Based on the feedback we have received, Mardon has been doing

More information

Internet Connectivity Among Aboriginal Communities in Canada

Internet Connectivity Among Aboriginal Communities in Canada Internet Connectivity Among Aboriginal Communities in Canada Since its inception the Internet has been the fastest growing and most convenient means to access timely information on just about everything.

More information

MAIL LABEL. Agent: XXXXX XXXXX. Policy Number:

MAIL LABEL. Agent: XXXXX XXXXX. Policy Number: MAIL LABEL Agent: Policy Number: Insured: Owner: DATE: May 6, 2013 CANADA PROTECTION PLAN Underwritten by Foresters Life Insurance Company Life Insured Policy Owner Policy Number Policy Date Simplified

More information

CANADA PROTECTION PLAN SAMPLE POLICY

CANADA PROTECTION PLAN SAMPLE POLICY CANADA PROTECTION PLAN SAMPLE POLICY Policy underwritten by Foresters Life Insurance Company The following sample policy pages are provided for reference only. They may be incomplete and/or may not reflect

More information

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to

More information

BY-LAW 6 PROFESSIONAL LIABILITY INSURANCE PART I LICENSEES HOLDING A CLASS L1 LICENCE GENERAL

BY-LAW 6 PROFESSIONAL LIABILITY INSURANCE PART I LICENSEES HOLDING A CLASS L1 LICENCE GENERAL BY-LAW 6 May 1, 2007 Amended: June 28, 2007 February 21, 2008 September 24, 2009 November 24, 2011 September 27, 2012 April 25, 2013 October 24, 2013 October 29, 2015 December 10, 2015 (editorial changes)

More information

YOUR CREDIT UNION PARTNER

YOUR CREDIT UNION PARTNER YOUR CREDIT UNION PARTNER Our focus on you is in everything we do Providing value, solving business challenges and delivering products and services to meet your needs: it s what we do. At CUMIS, we are

More information

Building Financial Freedom The GrandProtect Advantage MetLife Auto & Home

Building Financial Freedom The GrandProtect Advantage MetLife Auto & Home The MetLife Auto & Home Advantage 1 Offered by MetLife Bank, NA, an FDIC-insured bank 2 Offered by MetLife Securities, Inc., One Madison Avenue, New York, NY 10010 Looking back, everything appeared simpler!

More information

the Inter-Jurisdictional Practice Protocol (signed 1994; Rules approved in British Columbia in 1999); and

the Inter-Jurisdictional Practice Protocol (signed 1994; Rules approved in British Columbia in 1999); and Information Temporary Practice in BC 845 Cambie Street, Vancouver, BC, Canada V6B 4Z9 t 604.669.2533 BC toll-free 1.800.903.5300 Membership 604.605.5311 f 604.687.0135 TTY 604.443.5700 Email memberinfo@lsbc.org

More information

AUTO, HOME, FLOOD AND UMBRELLA. Protection for More Than Your Car and Home. Peace of mind for your financial future

AUTO, HOME, FLOOD AND UMBRELLA. Protection for More Than Your Car and Home. Peace of mind for your financial future AUTO, HOME, FLOOD AND UMBRELLA Protection for More Than Your Car and Home Peace of mind for your financial future The Hartford Protects All Areas and Stages of Your Life. Like most people, when you hear

More information

Day-to-Day Banking. Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank. Cheque Holding Policy

Day-to-Day Banking. Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank. Cheque Holding Policy Day-to-Day Banking Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank Cheque Holding Policy Opening A Personal Deposit Account We make it easy to open a personal deposit

More information

SUMMARY OF SERVICES WWW.WHRELOCATIONS.COM

SUMMARY OF SERVICES WWW.WHRELOCATIONS.COM SUMMARY OF SERVICES WWW.WHRELOCATIONS.COM Features of our Service CUSTOMIZED EXPERT ASSISTANCE FOR ALL YOUR NEEDS National coverage we have an established network of specialists in many major centers in

More information

Social Housing in Canada, 2010: A Patchwork Quilt

Social Housing in Canada, 2010: A Patchwork Quilt Social Housing in Canada, 2010: A Patchwork Quilt International Housing Exchange Partnership Berlin, Germany October 19-22, 2010 Social Housing Services Corporation 2010 Summary: The Canadian constitution

More information

Certificate of Insurance Creditor Insurance for CIBC Mortgages Note

Certificate of Insurance Creditor Insurance for CIBC Mortgages Note Certificate of Insurance Creditor Insurance for CIBC Mortgages Page 1 of 14 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2 Your rights and responsibilities...

More information

RISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA

RISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA The appendix includes relevant clauses drawn from the Compulsory Minimum Insurance Coverage for Private Passenger Vehicles as prepared by the Insurance Bureau of Canada (FACTS 2005 p. 12-15) used with

More information

MetLife Auto & Home. Recreational Vehicle Insurance

MetLife Auto & Home. Recreational Vehicle Insurance MetLife Auto & Home Recreational Vehicle Insurance Enjoy Your Next Adventure, without Worry about Scratches, Dents, Dings, and More Camping. Motorcycling. Boating. Snowmobiling. Whatever your favorite

More information

PAYDAY LOANS: AN EXPENSIVE WAY TO BORROW MORTGAGES AND LOANS

PAYDAY LOANS: AN EXPENSIVE WAY TO BORROW MORTGAGES AND LOANS PAYDAY LOANS: AN EXPENSIVE WAY TO BORROW MORTGAGES AND LOANS Table of Contents What is a payday loan? 1 How do payday loans work? 1 How much do payday loans cost compared to other forms of credit? 2 What

More information

if you want to help a smoker quit ONE STEP AT A TIME Let's Make Cancer History

if you want to help a smoker quit ONE STEP AT A TIME Let's Make Cancer History if you want to help a smoker quit ONE STEP AT A TIME Let's Make Cancer History 1 888 939-3333 www.cancer.ca One Step at a Time print materials 1 For Smokers Who Don t Want to Quit (booklet) Stage 1 2 For

More information

The Estate Preserver Plan. Advisor Guide

The Estate Preserver Plan. Advisor Guide The Estate Preserver Plan Advisor Guide Table of Contents Introduction to the Estate Preserver Plan 2 The Opportunity 3 The Solution 4 Tax Considerations 5 Probate and Executor Fees 7 Case Study 8 Underwriting

More information

A Snapshot State of the Nation: K- 12 Online Learning in Canada

A Snapshot State of the Nation: K- 12 Online Learning in Canada A Snapshot State of the Nation: K- 12 Online Learning in Canada Michael K. Barbour, Wayne State University Robin Stewart, Chatham Kent Public Library Background A Snapshot State of the Nation Study: K-12

More information

Value-added Services & Programs

Value-added Services & Programs Avenues Education Advantage Our policy is performance. Value-added Services & Programs from The Hanover The regional difference The Hanover Insurance Group differs from other insurance carriers. As a leading

More information

Welcome to MetLife Auto & Home

Welcome to MetLife Auto & Home Welcome to is happy to service Massachusetts Assigned Risk Plan policies. Included in this packet is information that will assist you when answering questions for your clients, submitting payments, and

More information

CODE OF CONDUCT FOR INSURERS USE OF CREDIT INFORMATION (CODE)

CODE OF CONDUCT FOR INSURERS USE OF CREDIT INFORMATION (CODE) CODE OF CONDUCT CODE OF CONDUCT FOR INSURERS USE OF CREDIT INFORMATION (CODE) PURPOSE The purpose of this Code of Conduct is to provide insurers who use credit information in their underwriting and rating

More information

The RBC Cathay Pacific Visa Platinum card

The RBC Cathay Pacific Visa Platinum card BENEFITS GUIDE The RBC Cathay Pacific Visa Platinum card Your journey begins here A card packed with privileges Activate your RBC Cathay Pacific Visa Platinum card today to enjoy these exclusive benefits:

More information

Continuous decline in spending in the mining, quarrying, and oil and gas extraction sector. Chart 1

Continuous decline in spending in the mining, quarrying, and oil and gas extraction sector. Chart 1 Capital and Repair Expenditures Survey, 2014 (revised), 2015 (preliminary) and 2016 (intentions) Released at 8:30 a.m. Eastern time in The Daily, Tuesday, May 10, 2016 Public and private sector organizations

More information

CIBC Guaranteed Acceptance Life Insurance Policy

CIBC Guaranteed Acceptance Life Insurance Policy CIBC Guaranteed Acceptance Life Insurance Policy 30-DAY REVIEW PERIOD As the Owner You can cancel this Policy at any time by contacting us at the number below or writing to the address below. If You cancel

More information

LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER

LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER LDCA Insurance Solutions at a Glance LDCA members need insurance expertise. We ve got it. Over time,

More information

Application for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability (E&O)

Application for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability (E&O) Subject to Acceptance by WESTPORT INSURANCE CORPORATION 150 King Street West, Suite 1000 Toronto ON M5H 1J9 Application for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability

More information

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently. AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands

More information

MetLife Auto & Home. Homeowners Insurance Protection. Your Choice: Standard or Platinum

MetLife Auto & Home. Homeowners Insurance Protection. Your Choice: Standard or Platinum MetLife Auto & Home Homeowners Insurance Protection Your Choice: Standard or Platinum We Will Be There for You Whether Your Home Is Large or Small Coverage A+. At MetLife Auto & Home, we are committed

More information

PROTECTION. COMMITMENT. STABILITY.

PROTECTION. COMMITMENT. STABILITY. ACS GROUP 20-YEAR LEVEL TERM LIFE Underwritten by New York Life Insurance Company PROTECTION. COMMITMENT. STABILITY. Did you know that 2/3 of Americans believe that life insurance gives people peace of

More information

Feel secure, no matter where you are.

Feel secure, no matter where you are. BENEFITS GUIDE RBC Rewards Visa Preferred Feel secure, no matter where you are. Enjoy a world of rewards and travel protection. RBC Rewards Visa Preferred offers you the flexibility and security of comprehensive

More information

Choose the right investment. Segregated fund policies versus mutual funds

Choose the right investment. Segregated fund policies versus mutual funds Choose the right investment Segregated fund policies versus mutual funds Choose the best option for your clients investment needs Segregated fund policies and mutual funds provide clients: Professional

More information

Facts About Car Seat Safety

Facts About Car Seat Safety Facts About Car Seat Safety From the Executive Director Road safety is important for all Canadians, but when it comes to child passenger safety, the numbers really hit home. Car crashes are the leading

More information

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE GROUP 10-YEAR LEVEL TERM LIFE INSURANCE Why purchase 10-Year Level Term Life Insurance through Real Estate Appraisers Group Insurance Trust (REAGIT)? With REAGIT Group 10-Year Level Term Life Insurance,

More information

4.0 Health Expenditure in the Provinces and Territories

4.0 Health Expenditure in the Provinces and Territories 4.0 Health Expenditure in the Provinces and Territories Health expenditure per capita varies among provinces/territories because of different age distributions. xii Population density and geography also

More information

PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS

PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS THE BIGGER YOUR DREAMS, THE MORE YOU HAVE TO PROTECT. You ve worked towards your dreams a car, a home, spending time with the people you love.

More information

January 1, 2009. Choice Auto and Home Insurance Program MMC

January 1, 2009. Choice Auto and Home Insurance Program MMC January 1, 2009 Choice Auto and Home Insurance Program MMC Choice Auto and Home Insurance Program Marsh Voluntary Benefits, an MMC Company formerly known as Marsh @WorkSolutions, offers you the Choice

More information

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Date November 1, 2011 Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the

More information

Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits

Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits A Business Partner You Can Trust Niagara National Insurance is an independent agency that specializes in risk management,

More information

FACILITY ASSOCIATION NOVA SCOTIA RISK SHARING POOL

FACILITY ASSOCIATION NOVA SCOTIA RISK SHARING POOL Financial Statements of FACILITY ASSOCIATION Deloitte & Touche LLP Brookfield Place 181 Bay Street Suite 1400 Toronto ON M5J 2V1 Canada Tel: 416-601-6150 Fax: 416-601-6151 www.deloitte.ca Auditors Report

More information

Sage 50 Accounting (Release 2015.1)

Sage 50 Accounting (Release 2015.1) Sage 50 Accounting (Release 2015.1) December 2014 Contents Sage 50 Accounting Canadian Edition (Release 2015.1) 1 Sage 50 Accounting Release 2015.1 1 What's new and product improvements 1 Support for employer

More information

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management

More information

Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit. Note: This is an important document. Please keep it in a safe place.

Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit. Note: This is an important document. Please keep it in a safe place. Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit Page 1 of 11 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2 Your rights

More information

CDSPI Retiree Benefits

CDSPI 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 information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card YOUR BENEFITS GUIDE Welcome to your CIBC Classic Visa Card Welcome to your CIBC Classic Visa Card. And a completely different credit card experience. Your new CIBC Classic Visa Card comes with our promise

More information

Agent/CSR Guide. FAQs. Home Advantage. The Hartford s AARP Home Insurance Program

Agent/CSR Guide. FAQs. Home Advantage. The Hartford s AARP Home Insurance Program personal lines Agent/CSR Guide FAQs Home Advantage The Hartford s AARP Home Insurance Program Q&A Here are some frequently asked questions, plus answers, that can give you a better understanding of The

More information

IMMIGRATION Canada. Study Permit. Lima Visa Office Instructions. Table of Contents IMM 5833 E (05-2016)

IMMIGRATION Canada. Study Permit. Lima Visa Office Instructions. Table of Contents IMM 5833 E (05-2016) IMMIGRATION Canada Table of Contents Document Checklist Study Permit Study Permit Lima Visa Office Instructions This application is made available free by Immigration, Refugees and Citizenship Canada and

More information

Manitoba Public Insurance Applies for 1.8% Overall Rate Increase Average family passenger vehicle will increase $18 per year

Manitoba Public Insurance Applies for 1.8% Overall Rate Increase Average family passenger vehicle will increase $18 per year Manitoba Public Insurance Applies for 1.8% Overall Rate Increase Average family passenger vehicle will increase $18 per year June 14, 2013 For the first time in 10 years, Manitoba Public Insurance has

More information

Legal Aid in Canada: Resource and Caseload Statistics

Legal Aid in Canada: Resource and Caseload Statistics Catalogue no. 85F0015X Legal Aid in Canada: Resource and Caseload Statistics 2010/2011 How to obtain more information For information about this product or the wide range of services and data available

More information

Protecting your family with insurance: How RBC Royal Bank can help

Protecting 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 information

Survey of Innovation and Business Strategy, 2012 Released at 8:30 a.m. Eastern time in The Daily, Monday, March 10, 2014

Survey of Innovation and Business Strategy, 2012 Released at 8:30 a.m. Eastern time in The Daily, Monday, March 10, 2014 Survey of Innovation and Business Strategy, 2012 Released at 8:30 a.m. Eastern time in The Daily, Monday, March 10, 2014 Global value chains Business activities performed outside of Canada In 2012, 13.7

More information