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Manulife Vitality

Now you can get a new kind of life insurance that will reward you continually for healthy living. The experience is like no other in Canada. In this program you will have opportunities to save on insurance premium and earn rewards for taking steps in improving your health.

With the use of technology, this program promises to shake up the life insurance industry finding new ways to connect with customers and allowing participants to take a proactive role in improving their health.

The program is available through Manulife, the insurer has partnered with the Vitality Group and is currently available only on a limited product lineup as follows;

  • Coverage of $500,000 to $20 Million
  • Term 20 and Term to age 65

I completed a side by side premium comparison with all the other insurers in Canada providing term 20 at various age groups and in most cases with the discount Manulife Vitality comes in at first place if not second, so it is definitely worth a look.

How it works

Manulife Vitality Agethe application process applicants will take an online Vitality Health Review to determine their Vitality Age. The age displayed can improve over time is the participants works towards living a healthier life. Try the Vitality calculator.

People that sign up for life insurance under the Vitality program will get a discount at the gold level immediately. If the participant takes steps to live a healthy lifestyle they can maintain that level of discount and perhaps move up to the next level of platinum. Once the policy is issued members will immediately begin to earn points. Points can be earned through steps to improve health by using fitness trackers, getting an annual health screening, going to the dentist, online education and so on. The more points accumulated the more savings and greater the rewards.

The rewards program is administered by The Vitality Group and does not share the activity statistics with Manulife. The insurance company only gets the total points earned over the year to provide a discount to the insured.

Free Garmin wearable device

To get started on the program members will receive a Free Garmin wearable device, the vivofit3. The device comes in white or black and will help members to stay active with move bar and audible alert. The device shows steps, calories, distance, etc. If you chose to do so you can use your own device such as an Apple Watch to participate in the program.

GoodLife Fitness discount

The program rewards participants with keeping active and getting to the gym can prove to be very rewarding for your health. Members will have exclusive access to a GoodLife Fitness discount. The fitness club membership discount of up to 55% off retail.

Markham Life Insurance Rates

There is no avoiding that Markham is a very expensive place to live. According to the 2011 Canadian census Markham is the fourth largest community within the Greater Toronto Area and in 2012 Markham changed its status as a town to a City. Markham residents need life insurance coverage like everyone else and increasingly so with the example of the price of a house reaching all-time highs, purchasing a Markham life insurance policy could provide assurance to you for your family to remain in their home should a death occur prematurely.

Protecting a mortgage payment in Markham is only one purpose of life insurance but should you pass away there are many other things to consider for your loved ones such as car payments, groceries, a child’s education, and outstanding debts amongst others.

Life Insurance Rates Markham

Life insurance protection in Markham through TimeToInvest can do more than protect your dependents. Call us to learn how a life insurance policy may work as collateral for a loan, creditor protection and intergenerational wealth transfer. By calling TimetoInvest and speaking to one of our expert advisors, you can learn about the benefits of coverage and come away with an insurance quote Markham residents have come to recognize as offering affordable financial security.

Markham Life Insurance Product Offerings

  • Fully Underwritten Life Insurance Policies
  • No Medical Insurance Policies
  • Term Insurance Coverage, term 10, term 20, etc.
  • Whole Life Insurance Coverage
  • Universal Life Insurance Coverage

Super Visa Insurance

Super Visa Insurance Guaranteed 100% Refund of Premium, if the super visa denied.

Super Visa Insurance If you are a Canadian citizen you may be eligible to apply for a parent or grandparent to come to Canada under the “Super Visa”. Citizenship and Immigration Canada introduced the Super Visa for faster family reunification. Under this program parents and grandparents can be reunited with their families within as little as 8 weeks. Super Visa is an option for those visiting Canada without the need to renew their status for up to two years without leaving Canada. It is a multiple entry visa valid for ten years.

It is always a good idea to have travel insurance because of possible unforeseen circumstances, but the Super Visa program makes it mandatory. One of the requirements for the Super Visa program, is to get covered with Canadian medical insurance coverage (Super Visa Insurance) for at least one year. It is essentially visitors insurance with the following requirements;

  • Super Visa Insurance must be valid for at least 365 days from the entry date to Canada.
  • The Super Visa Insurance should provide at least $100,000 coverage.

The Super Visa Insurance must be issued from an Insurance company in Canada. You can receive a quote and apply for coverage directly online with Manulfe and Travel Underwriters (see below).

Benefits of Super Visa Insurance

Below you will find a list of the benefits provided when someone travels with the super visa insurance program through Manulife.
  • Emergency medical attention
  • Emergency dental treatment
  • Expenses related to death
  • Emergency medical return home
  • Additional expenses for meals and hotel
  • Visit to bedside if traveling alone
  • Childcare expenses
  • Coverage for paramedical services
  • Return of children
  • Ambulance transportation
  • Trip Break

In addition you can add option coverage such as Trip Interruption and Travel Accident Insurance.

Super Visa Quote and Apply Online

For more information on Super Visa insurance call 416-642-4210.

Life Insurance Toronto | Toronto Life Insurance Rates, Quotes

Toronto Life Insurance Rates, Request a Quote

Life Insurance Toronto Must Have

Life Insurance Toronto It may be one of the best cities in the world to live in, but when it comes to life insurance Toronto residents still need coverage like everyone else. In fact, with the average price of a house in the city at the half million dollar mark and a cost of living higher than most Canadian cities, leaving your family unprotected by failing to take out a Toronto life insurance policy could be a costly mistake. TimeToInvest offers life insurance rates Toronto residents can afford, with the protection and options they need. Call a TimeToInvest advisor today for a Toronto insurance quote, tailored to the unique requirements of someone living in Canada’s biggest city.

Financial security is more important than ever and for people living in Toronto, the margin for error is much slimmer than in most other Canadian cities. Toronto is a bustling metropolis, internationally recognized as being one of the world’s most desirable cities. However, Toronto residents know that living in Ontario’s capital can be very costly. And while none of us likes to think about premature death, the fact is that when someone dies unexpectedly and without adequate life insurance coverage, their death can become a financial burden. When they leave a family behind, the results can be tragic. Could your spouse afford to continue a $2,500 monthly mortgage payment, car payments, and expenses such as utilities, groceries and parking on their own? What about settling any outstanding debts you might owe? Would they be able to pay for university for your children? A life insurance policy offers the financial security of a lump sum payment made to your beneficiary in the event of your death — and it’s not taxable.

Insurance Quote Toronto If you don’t have life insurance coverage, or you’re concerned that your existing policy may not offer sufficient protection, call TimeToInvest today and one of our advisors will review your situation. We will provide you with life insurance quotes to help you compare and save money, letting you enjoy living in Toronto without worrying about the future.

Toronto Life Insurance Made Affordable

There’s no avoiding the fact that Toronto can be a costly place to live. For most people who live here, the expense is worth it, but that doesn’t mean that people are willing to throw money away. When the average home starts at $500,000, property taxes are rising, fuel costs continue to climb, and Ontario students pay the highest university tuition rates in the country, it’s little wonder that when it comes to life insurance quotes Toronto residents are looking for that perfect combination of affordability and protection.

Life Insurance Rates Toronto Life insurance protection through TimeToInvest can do more than protect your dependents. Call us to learn how a life insurance policy may work as collateral for a loan, creditor protection and intergenerational wealth transfer. By calling TimetoInvest and speaking to one of our expert advisors, you can learn about the benefits of coverage and come away with an insurance quote Toronto residents have come to recognize as offering affordable financial security.

Alliance Financial Group
Investia Financial Services Inc.