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What Is Personal Health Insurance?

Personal health insurance products help lower your risk of being burdened by expenses for preventative care or medical bills as a result of an illness or accident. You may say, “well Manitoba Health covers me does it not?” While our provincial plan provides coverage for many of our health expenses that may occur, there are gaps that can have a significant impact on your finances. For example, some things that you may have to pay for that aren’t covered by a provincial health plan:

  • Prescription drugs
  • Emergency medical services provided in another country
  • Any wellness practitioners such as physiotherapists and chiropractors
  • Medical equipment to assist with mobility

Who Should Consider Personal Health Insurance?

  • Anyone who doesn’t have health benefits through their employer
  • Anyone who may be losing their group coverage soon
  • Anyone who would like additional coverage above and beyond either what their employer’s plan offers or what the provincial health plan offers

If you think personal health insurance is for you, talk to our advisor today and we will help determine the best plan to suit your needs.

The mortgage lender
Pay off mortgage
With your mortgage payment
The mortgage lender
Often underwritten at time of death
Not neccessarily guaranteed
None
Usually not available
Often same rates given, regardless of other factors
Benefit decreases as mortgage paid off
If you move, the insurance ends You will have to requalify
Can only cover the mortgage
Decreasing Term
Bank
Anyone - you decide
Beneficiary decides
Invest? Pay off mortgage?
Monthly, semi-annually,annually
Get level benefit Or lower benefit overtime to match yourmortgage
Underwriting at time of application
Fully guaranteed
Premium based on gender, smoking, health, lifestyle
Preferred underwriting available
Individual policies can be customized
Deal with licensed advisors
Insurance stays with you - even if you refinance or change lenders
Take care of all insurance needs with one policy
Term or Permanent
Insurance
Broker
Payment Frequency
Other Life Insurance needs
How Insurance will be used
Beneficiary
Your best options are available through an insurance brokerage.

Let's Compare!  
Type of Life Insurance
Benefit Level
Underwriting Time
Premium Rates
Premium Guarantees
Options and Riders
A needs analysis will take a look at the whole picture and help us determine a plan to suit your needs. A customized insurance plan will put the control where it should be...in your hands.
Now you know the facts, but how does this all fit together?
Lifestyle Discounts
Advice
Portability
Personal health insurance that’s simple, easy, and clear.
Find the right coverage today  »