INSURANCE

A proper financial plan can mean the difference between leaving your loved ones well-positioned financially and leaving them to cope with debts and an inadequate income. Life insurance can help create financial security for you and your family. If you should die prematurely, it can be used to:

• Pay final expenses and any debts
• Provide an income for your family
• Ensure your family has the resources to maintain a comfortable standard of living
• Leave a legacy to your favourite charity

While you're still living, some life insurance policies can:

• Build tax-advantaged savings you can draw upon as needed for personal or business opportunities
• Supplement your retirement income or provide for long-term care or home care for yourself or a family member

Segregated funds are similar to mutual funds, but are sold only by life insurance companies.

With segregated funds you have many of the same choices, including:

• Money market funds
• Bond funds
• Equity funds
• Balanced funds
• ...and so on. If you are not an experienced investor, you may want to get some advice about whether or not segregated funds are a good investment for you.

Your earning potential is a far more valuable asset than your automobile or your home. Disability insurance is designed to protect you from the possible loss of income. What's the possibility of this happening? It's more than you'd imagine. Why should you consider it? It's the only sure way to protect your greatest asset, YOU.

Why should you consider a personal disability insurance plan?

• Worker's Compensation only covers work related accidents. Unemployment insurance only covers 15 weeks.
• Canada Pension Plan: Are you comfortable relying on the government for a benefit that can change?
• Group and association coverage can fill a valuable role in long-term disability protection. However, the benefit may be limited by the definition of disability and coverage amount.

Remember, a custom designed individual disability insurance plan will provide you with the coverage you need to protect your greatest financial asset.

Critical illness insurance is a form of protection that can provide you with a lump sum payment if you suffer from a covered critical illness and the survival period is satisfied. The physical and emotional strain of a critical illness can be severe and when you combine that with the potentially damaging financial impact, the result can be devastating.

That's where the critical illness benefit comes in-you are free to spend the money as you wish-such as to help cover lost income, to pay for private nursing or out-of-country treatment, for medical equipment or even to pay off your mortgage. It can help you where you need it most so you can focus all your energy on recovering.

A critical illness can happen to anyone:

• It is estimated there are over 70,000 heart attacks in Canada each year.
• There are between 40,000 and 50,000 strokes in Canada each year.
• An estimated 3,075 Canadians will be diagnosed with cancer every week.

As Canadians, we're fortunate to have one of the best healthcare systems in the world-but that doesn't mean your provincial government provides you with all the healthcare coverage you need.

As provincial governments cut back their levels of healthcare coverage, you may be left to pay for expenses such as:

• Prescription drugs
• Visits to the dentist
• Eye exams
• Paramedical services
• Transportation by ambulance

Long-term care insurance covers virtually all of the expenses of long-term care, either in your own home or in a facility, for periods ranging from a few years to lifetime coverage. If you are between the ages of 30 and 80, you can apply for coverage. Depending on the level of benefit you select, you can receive up to $300 per day - tax free!

Your organization is unique, and we understand that. Your group might have thousands of people, or perhaps you can count them all on one hand. Whatever your group size or benefits goals, we have the knowledge and tools to help identify and meet your needs.

Healthcare and Dentalcare Benefits

Healthcare and dentalcare benefits are important features of any group benefits plan. These benefits help your plan members bridge the widening gap between provincial health insurance plans and the coverage your members and their families need.

Life and Accidental Death and Dismemberment Benefits

Preparing for the unexpected is the basis of group life and accidental death and dismemberment (AD&D) insurance. Plans provide financial support for your plan members and their families in the event of a death or tragic accident.

Benefits Solutions for Small Business

You've worked hard to build your business into the success it is today, and we know it's important for you to exceed your current level of success. Twin Power Financial Inc. can customize a group benefit plan that can help you do that by providing comprehensive group benefits for your group of three to 35 employees.

Travel Emergency Medical Insurance

Whether you're planning a trip, expecting visitors, visiting Canada yourself or studying abroad, it's wise to have the protection offered by Manulife Financial Travel Insurance.

No one expects to have a medical emergency away from home, or to have to cancel a trip due to an emergency. But these events happen and they can be disruptive and expensive. Twin Power Financial Inc. offers a variety of Travel plans so that you may select the protection that best suits your travel insurance needs. Before you travel, it's wise to ensure you have coverage to protect you against the unexpected.

Travel Insurance for Canadians Travelling Out-of-Province

Are you going to the USA for business for a day or two? Perhaps you're exploring Canada's coast, heading to the Caribbean or travelling overseas? Travel insurance for Canadians travelling out-of-province protects you against the cost of unexpected emergencies that may occur during your trip.

Travel Insurance for Visitors to Canada

Family or friends coming to stay? You may be planning a few day trips to tourist areas, outings to some local spots of interest, or culinary experiences you'd like to share. Travel for Visitors to Canada can be purchased prior to your visitors' departure or after they arrive. This gives you and them the comfort of knowing that they have financial protection against the cost of emergency medical care during their visit in Canada.

Travel Insurance for Students

Are you a Full-Time Canadian student studying away from home, either outside your home province or outside Canada? Are you an international student studying in Canada? When you're studying away from home, the least of your worries should be the high cost of medical care. And yet, your government health plan may not cover many of your medical expenses when you study abroad - even the most routine of health-related expenses.

Most post-secondary schools require you to have a medical insurance plan before classes begin. Travel insurance for Students is the viable, affordable solution. It offers financial protection against the cost of basic healthcare needs as well as the unexpected medical expenses that result from an illness or injury and require emergency medical treatment or a hospital stay. Travel insurance for Students protects you from the financial concerns related to healthcare, so that you can focus on your studies and a positive education experience.

As a business owner, you may rely on a number of key people for the successful operation of your company. Many businesses have been built around the strengths and skills of a few individuals whose capital, energy, knowledge, or experience makes them a valuable asset to the organization.

Key person insurance can help preserve the value of your business and its continuation in the event of the death of a key stakeholder in the company. Replacing the expertise and knowledge of an essential individual can take time and money and can jeopardize the continuity of the business. A key person life insurance policy offers the following benefits:

• Help heirs meet estate tax obligations without compromising or dissolving a family business
• Keep the business running and assure creditors and customers that the company will operate as usual
• Reduce the financial impact of the untimely death of a key individual by covering the expense of finding and training a suitable replacement