How we can help you with your small business needs:

As small business owners ourselves, we understand the challenges business owners face.

Whatever their size, small business owners are faced with a unique set of needs which require tailered solutions. We have an assortments of tools and products to create the perfect solution. We will work with you to develop a customized plan, whether it be group benefits, group retirement plans, or specific solutions to make sure your business runs smoothly when you might not be able to work. Contact us to set up an appointment, and we'll be happy to discuss how we can help.

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.

Group benefits that provide peace of mind:

Running a business presents many daily challenges, but here’s a decision that’s easy to make. When seeking an affordable way to give your employees the advantages offered by a group benefits plan, we can help.

Whether it be for yourself, your family, or your employees, we can create a customized health plan that is affordable. Using a variety of resources, we will find the plan best suited for your needs. And as we contract through a multitude of health plan providers, you can be sure that you are receiving the best of all options.

 

Here are just a few of the ways we can help you:

Providing your employees with a retirement plan:

We realize the importance and value of a retirement plan, and the peace of mind having one brings to employees. Let us work with you to set up a plan that is specific to your business, and that will allow your employees to feel comfortable staying with you for the long run.

Whether you have 2 employess or 50 + employees, we have the customizable plan that will be just right for you.

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)

Disability insurance

Disability insurance helps protect your income and business if you become disabled and can’t work. With different products available for full-time, part-time or home-based workers, disability insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians.  An individual disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life.

Whether you need to secure your main source of income or supplement the coverage you receive from your employer or an association, disability insurance can help by providing a comprehensive and portable plan you can rely on throughout your working years.

For more information on disability insurance, please contact us.

ExpenseComp

ExpenseComp offers reliable features and benefits for small business owners. By reimbursing business expenses like salaries, rent, utilities and more, ExpenseComp can help make sure you don't have to close up shop early because of illness or injury.

Plus, if you no longer need business expense protection you have the option to convert to an income protection plan.  

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

ExpenseComp is sold by, and is a trademark of Manulife Financial (The Manufacturers Life Insurance Company).

Personal Benefits – a new twist on Employee Benefits!

Now in tandem with your benefits program you can offer Personal Life and Personal Critical Illness coverage to your employees. Personal Benefits provides affordable, portable coverage without your company having to bear the cost of administration and billing.

With Personal Benefits, your employees can purchase optional coverage and they make the payments directly to Manulife through our easy payment options. Since the plan member enters into the Personal Benefits contract directly with Manulife, coverage continues even if there is a change in employment and the coverage details remain completely confidential.

Personal Benefits are a simple and effective way to offer value without creating overhead for your business.

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

 

*Personal Benefits are offered through Manulife Financial (The Manufacturers Life Insurance Company).