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Individuals and families insurance solutions
Critical illness insurance
Disability insurance
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Health and dental insurance
Life insurance
Long term care insurance
Segregated funds
Tax and estate planning
Travel insurance
Emergency travel medical insurance
Guaranteed acceptance health and dental insurance plans
Guaranteed issue health and dental insurance plans
Medically underwritten health and dental insurance plans
Permanent life insurance
Student travel insurance
Term life insurance
Trip cancellation and interruption insurance
Visitors to Canada insurance
Multi-trip travel medical insurance
Participating life insurance
Single trip travel medical insurance
Universal life insurance

Business

Businesses and organizations
Business overhead expense insurance
Business-owned disability insurance
Business-owned life insurance
Buy-sell insurance
Employee group benefits solutions
Employee group retirement and savings
Health spending accounts (HSAs)
Key person insurance
Lifestyle spending accounts (LSAs)

Family wealth

Family wealth

Engineers and geoscientists

Engineers Canada insurance plans
APEGA
APEGNB
ASET
CTTAM
EGM
Engineers Canada Business Overhead Expense
Engineers Canada Child Life and Accident
Engineers Canada Critical Illness Insurance
Engineers Canada Disability Income Protection
Engineers Canada Major Accident Protection
Engineers Canada Prime health and dental plan
Engineers Canada professional retiree health and dental plans
Engineers Canada Term 20 Life Insurance
Engineers Canada term life insurance
FAQ for Manulife Engineers Canada plans
MAA
NBSCETT
Support for Engineers Canada insurance plans

Provincial health plans

Provincial and territorial health plans (GHIP)
Alberta Health Care Insurance Plan
Manitoba Health Services Insurance Plan
Medical Services Plan
New Brunswick Medicare
Newfoundland and Labrador Medical Care Plan
Nova Scotia Health Insurance Program
Nunavut Health Care Plan
NWT Health Care Plan
Ontario Health Insurance Plan
Prince Edward Island health coverage
Québec Health Insurance Plan
Saskatchewan health coverage
Yukon Health Care Insurance Plan

Learning Centre

Articles

Learning Centre
A comprehensive guide to naming life insurance beneficiaries
A guide to life insurance options for Canadians
A practical guide to financial wellness
A smart and simple way to transfer wealth to your children in Canada
A smart and simple way to transfer wealth to your grandchildren in Canada
Alberta’s new dual practice health care model: what it means for you
Beginner’s guide to health spending accounts in Canada: for employers
Beginner’s guide to health spending accounts in Canada: for incorporated business owners
Benefit options for Canadian business owners: health spending accounts (HSA) vs. traditional employee group benefit plans
Businesses and Organizations
Can you get travel insurance if you’re waiting for test results? What Canadians need to know
Case study: Basira saved $3,000 in medical costs thanks to travel insurance
Case study: how one client’s diligence secured $25,000 in benefits
Case study: school activity accident could have cost Alec over $24,000 in medical fees without travel insurance
Case study: travel insurance saves Corwin from paying more than $275,000 in medical bills for gallstones
Case study: travel insurance saves Sonja from paying more than $58,000 in medical fees
Common misconceptions about emergency travel medical insurance
Comprehensive guide to the Alberta Coverage for Seniors program
Corporate insurance: a strategic advantage for your business
Covering fertility treatment costs with a health spending account (HSA) in Canada
Death, taxes, and probate fees
Disability insurance for employees in Canada: what you need to know
Disability insurance for self-employed Canadians: what you need to know
Do I need insurance if I don’t have children?
Do you need travel insurance coverage for trips outside your province?
Emergency travel medical insurance: what you need to know travelling in an après COVID world
Engineers Canada
Engineers Canada disability insurance: why association members can save thousands
Guide to health spending accounts (HSA) for startup businesses in Canada
Heading south for the winter? Let’s talk stability periods in travel insurance!
Health spending account (HSA) employee classifications and contribution limits
Health spending account (HSA) guide: eligible expenses
Health spending accounts for diabetes in Canada
Health spending accounts: should your HSA be separate from your group benefits plan?
How Canadians use health spending accounts to access medical treatment sooner
How life insurance can support estate planning and enhance your legacy
How much disability insurance do I need?
How to avoid probate delays and executor inaction with segregated funds
How your life insurance can support your favourite charity
Individuals and Families
Introducing flexible spending accounts: a tailored employee benefits solution for your business
Is joint life insurance right for you and your partner?
Key considerations when purchasing corporate insurance
Laser eye surgery cost in Canada: the complete guide
Leveraging life insurance: turning protection into a financial strategy
Life insurance for parents
Life insurance in Canada: navigating term vs. permanent coverage
Long-term disability (LTD) insurance: the ultimate guide
Long-term travel and your Canadian health coverage: how to protect yourself on trips longer than six months
Medically underwritten travel insurance in Canada
Mental health and insurance in Canada: what you actually need to know
Mortgage insurance vs. individual disability insurance: what’s best for homeowners?
Mortgage insurance vs. individual life insurance: what’s best for homeowners?
Navigating your return to work after long-term disability: a guide to success
Navigating your return to work with the Manulife Engineers Canada disability insurance plan
Permanent life insurance: the ultimate planning tool for every stage of life
Pre-existing conditions and travel insurance in Canada
Pregnancy and emergency travel medical insurance in Canada
Private MRI in Canada: wait times, insurance gaps, and how an HSA can help you get answers sooner
Protecting your estate: strategies for managing tax liabilities
Protecting your greatest asset: the power of disability insurance
Segregated funds vs. mutual funds: how do they compare?
Student travel medical insurance: a complete guide
The case for segregated funds: faster payouts, privacy, and lower costs for beneficiaries
The comprehensive guide to lifestyle spending accounts (LSAs) in Canada
Travel insurance for Canadians: everything you need to know before your next trip
UK Electronic Travel Authorization (ETA) for Canadians: requirements, application steps, and travel insurance tips
Understanding disability vs. critical illness insurance in Canada
Understanding health spending account rollover rules in Canada
Understanding long-term disability (LTD) insurance: what happens if you’re off work due to injury or illness?
Understanding the Future Increase Option (FIO): Manulife Engineers Canada disability plan
Understanding the Guaranteed Re-Entry Provision (GRE): Manulife Engineers Canada disability plan
Understanding the job loss waiver of premium (Engineers Canada term life plan)
Understanding the medical expense tax credit (METC) in Canada
Understanding the roles: insurance advisor, broker, and agent
Understanding your Engineers Canada term life insurance policy
Visitors to Canada insurance: the ultimate guide
What happens at age 65: Manulife Engineers Canada extended health care Prime plan
When can you obtain emergency travel medical insurance after cancer treatments?
Whole life insurance vs. term life insurance: a clear guide for Canadians
Whole life insurance: coverage for a lifetime
Your complete guide to understanding the insurance application process

Questions and answers

Frequently asked questions
Are critical illness insurance payouts taxable in Canada?
Are employee group benefits mandatory for Canadian employers?
Are employer contributions to a group retirement plan mandatory in Canada?
Are Engineers Canada critical illness benefits taxable?
Are Engineers Canada disability benefits taxable?
Are indexed universal life insurance (IUL) or variable universal life insurance (VUL) policies available in Canada?
Are life insurance premiums tax-deductible in Canada?
Are lifestyle spending account funds taxable to the employee?
Are medical questions or exams required to apply for critical illness insurance?
Are medical questions required when applying for permanent life insurance?
Are newborns covered?
Are pre-existing conditions covered by travel insurance?
Are premiums for buy-sell insurance tax-deductible in Canada?
Are there limits to the amount global medical care plans can pay?
Are travel costs covered by global medical care?
As an independent insurance broker, do you offer products from multiple insurers?
Can a business access the cash value of permanent life insurance?
Can business-owned disability insurance be customized?
Can buy-sell insurance cover multiple partners in a Canadian business?
Can family members be included in a global medical care plan?
Can I access the cash value in my participating life insurance policy?
Can I add a secondary beneficiary to my life insurance policy?
Can I buy it without life insurance?
Can I convert my Term to Age 85 coverage to an individual policy?
Can I extend my emergency travel medical insurance coverage?
Can I get disability insurance if I’m self-employed with an irregular income?
Can I get life insurance with a pre-existing medical condition?
Can I get my critical illness insurance premiums back if I don’t get seriously ill?
Can I manage my own investments within a group retirement plan?
Can I name more than one beneficiary on a segregated fund?
Can I reduce my coverage later?
Can I renew my term life insurance policy when the term ends?
Can I switch to non-smoker rates?
Can I take money out of my segregated fund whenever I want?
Can I top up my other travel coverage?
Can I withdraw money from my universal life insurance policy?
Can part-time employees in Canada access group benefits?
Can travel insurance reimburse hotel costs?
Can universal life insurance be converted to whole life insurance?
Can you assist with both personal and business insurance needs?
Do beneficiaries have to pay tax on an inheritance in Canada?
Do I need a medical exam for disability insurance?
Do I need a medical exam to apply?
Do I need a medical exam to get health and dental insurance?
Do I need my own coverage first?
Do I need this if I have disability coverage at work?
Do international students studying in Canada need travel insurance?
Do new residents or newcomers to Canada need temporary medical insurance?
Do permanent life insurance premiums go up as I get older?
Do trips within Canada count toward my trip length on an annual travel plan?
Does Canada’s public health care system cover long-term care costs?
Does global medical care replace my provincial health plan?
Does it pay my own salary?
Does permanent life insurance ever expire?
Does the Canadian government offer disability coverage?
Does the premium go up with more children?
Does travel insurance cover every destination?
How are dividends from participating life insurance determined?
How are premiums and benefits taxed?
How are segregated funds taxed?
How can students choose the right travel insurance plan?
How do deductibles work in global medical care plans?
How do I choose an HSA provider?
How do I choose the right term length for my term life insurance?
How do I register on the Manulife Customer Secure Site?
How do my age and income affect my disability insurance?
How do segregated funds differ from mutual funds?
How do universal life insurance and participating life insurance differ?
How do you ensure that I receive the most suitable insurance policy for my specific requirements?
How does a group retirement plan differ from a personal retirement plan?
How does a health spending account work for a business owner or employer?
How does age affect life insurance premiums in Canada?
How does business overhead expense (BOE) insurance differ from personal disability insurance?
How does business overhead expense insurance support a business?
How does business-owned disability insurance impact tax obligations?
How does buy-sell insurance work in Canada?
How does critical illness insurance differ from disability insurance in Canada?
How does key person disability insurance work?
How does permanent life insurance work in Canada?
How does tax planning fit into an estate strategy?
How does the cash value in a permanent life insurance policy work?
How does the global medical care second opinion work?
How does the investment component of universal life insurance work?
How is “total disability” defined in key person disability insurance?
How is a pre-existing condition defined in travel insurance?
How is an HSA different from traditional group benefits or a lifestyle spending account?
How is the benefit amount determined in BOE insurance?
How is the value of a business partner’s share determined for buy-sell insurance?
How long are premiums paid for permanent life insurance?
How long do business overhead expense (BOE) insurance benefits last?
How long does it take to get health and dental insurance?
How long does key person disability insurance provide coverage?
How long does key person life insurance provide coverage?
How much business-owned life insurance coverage do I need?
How much coverage can I buy?
How much do employers put into an LSA?
How much life insurance coverage do I need?
How often should a business review its life insurance policy?
I only see rates to age 65. Does coverage end at 65?
Is buy-sell insurance mandatory for businesses in Canada?
Is emergency travel medical insurance necessary for travel within Canada?
Is insurance necessary for Canadian students studying abroad?
Is long-term care insurance available in Canada?
Is participating life insurance a good investment?
Is term life insurance more affordable than permanent life insurance?
Is this the same as disability insurance?
Is travel insurance required when visiting Canada?
Should I buy a single trip or an annual plan?
What affects eligibility for global medical care?
What are the advantages of choosing participating life insurance?
What are the benefits of having buy-sell insurance for Canadian businesses?
What are the complete definitions of the covered conditions?
What are the cost factors for business-owned disability insurance?
What are the critical illness exclusions under this plan?
What are the differences between group and individual disability coverage?
What are the differences between term and permanent business-owned life insurance?
What are the limits per eligible expense, per person?
What are the tax implications of business-owned life insurance?
What business risks does key person insurance help address?
What distinguishes permanent from term life insurance?
What do I need to do before getting treatment with global medical care?
What do I need to get health and dental insurance?
What doesn’t travel insurance cover?
What expenses can a health spending account (HSA) reimburse?
What expenses can be covered under a lifestyle spending account?
What happens at a segregated fund’s maturity date?
What happens if a visitor gets sick or injured while in Canada?
What happens if HSA funds are not used?
What happens if I outlive my term life insurance policy?
What happens if my universal life insurance account runs low?
What happens to a business-owned life insurance policy if a key person leaves the company?
What happens to an employee’s group retirement savings when they change jobs?
What happens to my disability insurance if I leave my job?
What happens to my participating life insurance dividends if I don’t use them?
What happens to my premium after 20 years?
What happens to my spouse’s coverage if I die?
What happens to my student travel insurance if I leave my program?
What happens when a universal life insurance policy matures?
What if a trip runs longer than my annual travel plan’s trip length?
What if I miss a payment?
What if my expenses are lower than my monthly benefit?
What if one accident causes more than one loss?
What is “earned income”?
What is a covered reason for trip cancellation?
What is a lifestyle spending account?
What is a stability period, and why does it matter?
What is business-owned disability insurance?
What is business-owned life insurance?
What is covered under buy-sell disability insurance?
What is participating life insurance?
What is probate and how can it affect an estate?
What is Super Visa insurance?
What is tax and estate planning?
What is term life insurance?
What is the benefit of a guaranteed acceptance health and dental plan compared with other plans?
What is the benefit of a guaranteed issue health and dental plan compared with other plans?
What is the benefit of a medically underwritten health and dental plan compared with other plans?
What is the benefit of the executive medical assessment on a global medical care plan?
What is the difference between life insurance and critical illness insurance?
What is the difference between trip cancellation and trip interruption insurance?
What is the minimum age requirement for permanent life insurance in Canada?
What is the minimum number of employees required for a company in Canada to be eligible for an employee group benefits plan?
What is the process for claiming benefits under business-owned disability insurance?
What is the waiting period?
What is universal life insurance?
What is visitors to Canada insurance?
What is your experience in the insurance industry?
What should I do if I need medical care while I’m away?
What tax benefits are associated with group retirement plans?
What types of disabilities are covered by disability insurance?
What types of individual health and dental plans are there?
What types of insurance do you specialize in?
What types of life insurance are available in Canada?
What’s the annual limit per practitioner?
What’s the difference between own occupation and any occupation?
What’s the difference between participating and non-participating life insurance in Canada?
What’s the difference between Prime and the Professional plans?
When can employees access funds in a group retirement plan?
When does a child’s coverage end?
When does coverage end?
When should I apply for health and dental insurance?
When should I update my estate plan?
When will disability benefits be paid?
When will disability benefits end?
Which conditions would stop me from applying?
Who can be included in a health spending account plan?
Who is eligible for business-owned disability insurance?
Who qualifies as a “key person” in a business for key person insurance?
Who receives Engineers Canada child life and accident benefits?
Who receives Engineers Canada major accident protection benefits?
Who should be covered by business-owned life insurance?
Who should consider business overhead expense (BOE) insurance?
Why do people include long-term care in their financial planning?
Will my Term to Age 85 premiums increase with age?

Insuropedia

Insuropedia
Accelerated death benefit
Accident
Accidental death and dismemberment insurance (AD&D)
Activities of daily living (ADLs)
Actuary
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Application for insurance
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Cash surrender value (CSV)
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Certificate of insurance
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Coinsurance
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Conversion of benefits
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Convertible term life insurance
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Death benefit
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Definition of disability
Dental fee guide
Dental insurance
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Emergency travel medical insurance
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Financial needs analysis
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Guaranteed acceptance health care plans
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Guaranteed renewable
Health insurance
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High risk activity
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Irrevocable beneficiary
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Life annuity
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Life expectancy
Life insurance
Life insurance needs analysis
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Long term disability insurance (LTD)
Long-term care insurance
Management expense ratio (MER)
Material facts
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Maximum premium (universal life insurance)
Medical condition
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Multi-life coverage
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Property and casualty insurance
Provider
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Schedule of benefits
Second opinion service
Second-to-die insurance
Segregated funds
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Settlement option
Short-term disability insurance (STD)
Side account (universal life insurance)
Simplified issue life insurance
Single life coverage
Single premium deferred annuity (SPDA)
Special risk insurance
Spouse
Stability period
Stable
Standard provisions
Standard risk
Statement of claim
Statement of good health
Statement of health
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Stepped maximum
Straight life annuity
Student travel medical insurance
Substandard risk
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Supplemental executive retirement plan (SERP)
Surrender charge
Survivor benefit
Tax and estate planning
Tax deferred
Term certain annuity
Term conversion
Term life insurance
Terminal illness benefit
Termination date
Tertiary beneficiary
Third-party administrator
Total disability
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Travel insurance
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Trip cancellation and interruption insurance
Trustee
Underinsured
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Unearned premium
Universal life insurance
Unused premium
Usual, customary, and reasonable (UCR) fees and charges
Variable annuity
Variable universal life insurance (VUL)
Vesting
Viatical settlement
Visitors to Canada insurance
Voluntary life insurance
Waiting period
Waiting period waiver
War clause
Whole life insurance
Withdrawal value
Written premium
Yearly renewable term (YRT)
Yield

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