Learning Centre
Individuals and families
Articles from our Learning Centre for individuals and families.
- Disability insurance10 minute readMental health and insurance in Canada: what you actually need to knowMental health history doesn’t automatically prevent you from getting insurance in Canada. What insurers actually look for may surprise you.
- Travel insurance7 minute readCan you get travel insurance if you’re waiting for test results? What Canadians need to knowWaiting on medical tests or results can limit what travel insurance covers. What to check before you buy and before you go.
- Travel insurance3 minute readPregnancy and emergency travel medical insurance in CanadaWhat emergency travel medical insurance usually covers during pregnancy, what it excludes, and when travel may not be advisable.
- Travel insurance8 minute readUK Electronic Travel Authorization (ETA) for Canadians: requirements, application steps, and travel insurance tipsA clear, practical guide for Canadian travellers explaining the UK’s Electronic Travel Authorization (ETA) requirement, who needs one, how to apply, and why emergency travel medical insurance is essential when visiting the UK.
- Travel insurance8 minute readLong-term travel and your Canadian health coverage: how to protect yourself on trips longer than six monthsA clear guide helping Canadians understand how long-term travel affects their provincial health coverage and how to stay covered with GHIP extensions and proper travel medical insurance.
- Travel insurance7 minute readPre-existing conditions and travel insurance in CanadaA clear and practical guide explaining how stability periods affect travel insurance coverage for Canadians with pre-existing medical conditions, with solutions available even for those with recent medical changes.
- Life insurance6 minute readWhole life insurance vs. term life insurance: a clear guide for CanadiansA clear and practical guide that compares term life and whole life insurance for Canadians while explaining when each option makes the most sense and how whole life can support long-term financial planning.
- Health insurance5 minute readAlberta’s new dual practice health care model: what it means for youLearn how Alberta’s new dual practice health care model could impact surgical wait times and how global medical care insurance can help Albertans access faster, private treatment options.
- Life insurance5 minute readLeveraging life insurance: turning protection into a financial strategyLeveraging a permanent life insurance policy allows you to access liquidity, enhance tax efficiency, and strengthen estate planning while keeping your coverage intact.
- Travel insurance3 minute readMedically underwritten travel insurance in CanadaManulife’s medically underwritten travel insurance provides up to $10 million in emergency medical coverage for Canadians with pre-existing conditions.
- Travel insurance4 minute readTravel insurance for Canadians: everything you need to know before your next tripA complete guide to Canadian travel insurance covering medical emergencies, trip cancellations, lost luggage, and plan options for every type of traveller.
- Critical illness insurance7 minute readCase study: how one client’s diligence secured $25,000 in benefitsDiscover how one client’s proactive approach to reading his critical illness policy and seeking professional guidance turned a serious cardiac event into $25,000 in financial relief, even when his condition didn’t qualify for the full benefit.
- Segregated funds4 minute readHow to avoid probate delays and executor inaction with segregated fundsDiscover how segregated funds can help your loved ones avoid costly delays, probate headaches, and executor inaction.
- Tax and estate planning6 minute readA smart and simple way to transfer wealth to your grandchildren in CanadaLearn how grandparents can leave a lasting legacy by using whole life insurance to grow wealth tax-sheltered and transfer it to their grandchildren without tax on the transfer.
- Tax and estate planning5 minute readA smart and simple way to transfer wealth to your children in CanadaDiscover how a whole life insurance policy on your child can grow tax-free and become a powerful, flexible tool for building generational wealth.
- Disability insurance7 minute readDisability insurance for employees in Canada: what you need to knowAre you an employee who receives disability coverage through your employer? Here are some things you should know and potential questions to ask.
- Life insurance5 minute readYour complete guide to understanding the insurance application processThis comprehensive guide details each step of the insurance application process, clarifying expectations and procedures.
- Disability insurance5 minute readProtecting your greatest asset: the power of disability insuranceDiscover why your ability to earn an income is your greatest asset and how disability insurance can protect it when life takes an unexpected turn.
- Segregated funds5 minute readSegregated funds vs. mutual funds: how do they compare?Discover the key differences between mutual funds and segregated funds, and find out which investment best suits your financial goals, estate needs, and risk tolerance.
- Tax and estate planning5 minute readHow life insurance can support estate planning and enhance your legacyLearn how life insurance can preserve your legacy, protect loved ones, and enhance your estate plan.
- Life insurance5 minute readA practical guide to financial wellnessDiscover practical steps to build a healthier relationship with money, protect your future, and boost your financial confidence.
- Life insurance5 minute readA guide to life insurance options for CanadiansDiscover the right life insurance plan to protect your loved ones and secure your future with this easy guide to Canada’s key options.
- Tax and estate planning4 minute readHow your life insurance can support your favourite charityDiscover how donating your life insurance policy can create a lasting impact for your favourite charity while providing you with significant tax benefits.
- Tax and estate planning5 minute readDeath, taxes, and probate feesLearn how proactive estate planning can help you minimize probate fees and ensure your loved ones receive more of your legacy.
- Life insurance4 minute readWhole life insurance: coverage for a lifetimeDiscover how whole life insurance provides lifelong protection, builds cash value, and helps you leave a lasting legacy.
- Life insurance5 minute readPermanent life insurance: the ultimate planning tool for every stage of lifeDiscover the many ways permanent life insurance can protect your loved ones, grow your wealth, and leave a lasting legacy, all while providing peace of mind throughout your lifetime.
- Life insurance3 minute readIs joint life insurance right for you and your partner?Discover how joint life insurance can help you and your partner save on costs, protect your estate, and plan efficiently for the future.
- Tax and estate planning4 minute readProtecting your estate: strategies for managing tax liabilitiesDiscover key strategies to preserve your estate, minimize tax liabilities, and ensure a smooth transfer of assets to your loved ones
- Travel insurance6 minute readDo you need travel insurance coverage for trips outside your province?What your provincial health plan covers when you travel within Canada, where the gaps are, and when travel insurance helps.
- Life insurance10 minute readLife insurance for parentsWhy parents should consider life insurance and how to choose a policy that is best for you and your family.
- Life insurance5 minute readA comprehensive guide to naming life insurance beneficiariesUnderstand life insurance beneficiaries, their importance, and make informed decisions to protect your loved ones or business interests.
- Travel insurance4 minute readWhen can you obtain emergency travel medical insurance after cancer treatments?What you should know about travel insurance when being treated for cancer.
- Travel insurance2 minute readCase study: travel insurance saves Sonja from paying more than $58,000 in medical feesA real-world case study of a non-Canadian travelling to Canada to visit.
- Travel insurance2 minute readCase study: travel insurance saves Corwin from paying more than $275,000 in medical bills for gallstonesA real-world case study of a Canadian resident travelling to the United States for an extended period.
- Travel insurance2 minute readCase study: Basira saved $3,000 in medical costs thanks to travel insuranceA real-world case study of an international student travelling to Canada to study.
- Travel insurance2 minute readCase study: school activity accident could have cost Alec over $24,000 in medical fees without travel insuranceA real-world case study of a Canadian student travelling internationally to study.
- Segregated funds14 minute readThe case for segregated funds: faster payouts, privacy, and lower costs for beneficiariesHow segregated funds can reach your beneficiaries faster and more privately, and the trade-offs to weigh.
- Travel insurance5 minute readStudent travel medical insurance: a complete guideWhat student travel medical insurance covers when you study away from home, and what to check before you choose a plan.
- Travel insurance6 minute readCommon misconceptions about emergency travel medical insuranceWhat are the six most common misconceptions about emergency travel medical insurance?
- Health insurance7 minute readComprehensive guide to the Alberta Coverage for Seniors programEssential reading about the Alberta Coverage for Seniors program.
- Life insurance8 minute readLife insurance in Canada: navigating term vs. permanent coverageDiscover the key differences between term and permanent life insurance in Canada to make the best choice for protecting your family’s future and building financial security.
- Working with an advisor4 minute readUnderstanding the roles: insurance advisor, broker, and agentAdvisor? Broker? Agent? What’s the difference?
- Disability insurance4 minute readDo I need insurance if I don’t have children?If you don’t have children, you may think you don’t need any insurance. Here are some things you should know.
- Disability insurance6 minute readDisability insurance for self-employed Canadians: what you need to knowAre you self-employed? Here’s what you need to know about disability insurance.
- Disability insurance6 minute readHow much disability insurance do I need?Disability insurance can help replace your income should you become disabled and unable to work. But, how much do you need?
- Critical illness insurance6 minute readUnderstanding disability vs. critical illness insurance in CanadaHow disability and critical illness insurance differ, and when you might claim on one, the other, or both.
- Disability insurance4 minute readMortgage insurance vs. individual disability insurance: what’s best for homeowners?Mortgage insurance or individual disability insurance? Which is better for you and your family?
- Life insurance6 minute readMortgage insurance vs. individual life insurance: what’s best for homeowners?How lender mortgage insurance compares with your own life insurance, including who owns the policy and who gets paid.
- Travel insurance3 minute readHeading south for the winter? Let’s talk stability periods in travel insurance!How stability periods work in travel medical insurance, and why a change in health or medication before a trip can matter.
- Disability insurance17 minute readLong-term disability (LTD) insurance: the ultimate guideHow long-term disability insurance replaces part of your income, how it differs from short-term coverage, and what to check.
- Travel insurance10 minute readEmergency travel medical insurance: what you need to know travelling in an après COVID worldHere’s what you should know about travel insurance if you’re planning a trip after COVID.
- Travel insurance5 minute readVisitors to Canada insurance: the ultimate guideA guide to all things visitors to Canada insurance. What you need to know.
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