"Only when the tide goes out do you discover who's been swimming naked."

Warren Buffet

Business Risk

 

Are Your investments protected from creditors?

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Lifecheque

Lifecheque is one of the most comprehensive critical illness insurance plans available today and is designed to meet the diverse and changing needs of individuals and business owners. You can choose from top-quality protection and features to customize a plan that meets your need for critical illness protection.

Lifecheque is ideal for:

  • Income and asset protection
  • Mortgage and debt protection
  • Topping up an employee benefits package
  • Business partnership protection

Plus, when you choose Lifecheque you benefit from Health Service Navigator - Manulife’s one-of-a-kind health information and medical second-opinion support service.

For more information on Lifecheque, please click here or contact us.

*Lifecheque with LivingCare Benefit is offered through Manulife Financial (The Manufacturers Life Insurance Company).

Can you afford to let everything slip through your fingers?

Many business owners don’t even know they have a problem with business planning. Do you? Understanding the issues can mean financial health for you, your business and your family. Click here to learn more.

Term Life Insurance

Whether you are looking to protect your family or your business, Term life insurance offers affordable and flexible protection you can customize to meet your temporary and growing needs.

You can choose term life coverage that protects you for 10 or 20 years or until you reach age 65 or age 100.

Business Term from Manulife Financial

The simple structure and flexible features of Business Term allow you to protect the key elements of your business so you can be sure it will carry forward with minimal disruption.

The affordable and easy-to-manage design of Business Term creates financial security for your business with:

  • Key person protection
  • Business collateral and buy-sell funding
  • Estate tax coverage

Your Business Term insurance can be customized using options called ‘riders’, such as Business Value Protector (adding additional coverage as your business grows), Total Disability Waiver (waiving premiums if you become disabled) and more.

 

For more information on Business Term, please contact us or click here to download a brochure.

 

Business Term is a registered trademark of and is offered through Manulife Financial (The Manufacturers Life Insurance Company)

Buy-Sell Plus

Buy-Sell Plus is a great complement to a business buy-out agreement. It offers flexibility and choice in how to fund the purchase of a disabled owner's share of the business.

Buy-Sell Plus business buy-out coverage is ideal for owners of small, closely held businesses (generally two to five owners) who own at least 10% of the business and who work full-time for the business.

For more information on this product, please contact us.

Buy-Sell Plus is sold by, and is a trademark of Manulife Financial (The Manufacturers Life Insurance Company).

Business Structures:

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Sole Proprietorship:

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Partnerships:

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Corporations:

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