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Maritime Life PowerPoint Presentation

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Remember, the purpose of health insurance is to ensure your family's financial security. ... women on the same basis as men, the first North American insurance ... – PowerPoint PPT presentation

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Title: Maritime Life PowerPoint Presentation


1
Felix Winstok, EPC Insurance Financial
Advisor (905) 883-7770 www.insurancebyfelix.com
2
Why? The need for health and dental coverage.
Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
3
Agenda
  • The need for health dental coverage
  • Tax deductibility
  • Underwriting Claims
  • Who we are
  • Product recommendation

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
4
The need for health insurance.
Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
5
The need for health insurance
  • The Government covers me
  • GHIP coverage is changing, it does not cover many
    of the things we were accustomed to in the past.
  • Health insurance benefits provided by your
    Government will only cover the basic medical
    needs - like a trip to the doctor or hospital.
  • You pay for prescription drugs, dental care and
    eyeglasses, semi-private hospital and much more
    that the Government only partially covers.

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
6
The need for health insurance
  • Decline of Government involvement
  • GHIP cut backs.
  • Hospital closings - more need for homecare.

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
7
The need for health insurance
  • Im healthy, I dont need insurance
  • None of us likes to think about the possibility
    of becoming ill, but if an accident or illness
    were to happen it could cost you and your family
    your entire savings.
  • (Peace of Mind).

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
8
The need for health insurance
  • I only claim a few things per year
  • Remember, the purpose of health insurance is to
    ensure your familys financial security.
  • Comfort of knowing you dont have to worry about
    the uncertainties that come from relying entirely
    on our Government health care systems
  • (Peace of Mind).

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
9
The need for health insurance
  • I have other financial priorities
  • Every year you could pay thousands in unexpected
    medical and dental expenses if you dont have a
    health plan.
  • (Potential to use up your savings on private
    care).

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
10
The need for health insurance
  • Statistics relating to the frequency of serious
    illness amongst Canadians

Source Statistics Canada
11
Tax deductibility
  • Deduction of premiums as a business expense
  • Non taxable benefit for employees
  • Still able to claim under medical expense for
    excess
  • Consult an Income Tax Specialist for details

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
May vary per province
12
Legally speaking, We cant give you a Manulife
plan for free.........Can we?
Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
For Self-employed individuals.
13
Tax deductibility
  • Typical individual health insurance
    premium -1050.00
  • Tax saving at a 40 level -(420.00)
  • Prescription drug expenses per year - 180.00
  • Dental expenses per year - 200.00
  • Contact lenses expense per year - 100.00
  • Chiropractor/Registered Massage Therapist
  • expenses per year - 150.00
  • The cost to you 0.00

Non taxable benefit to employee Tax deductible
for employer
For self-employed
14
Underwriting Philosophy
  • Our intent is to offer coverage for an ailment
    or condition which arises in the future.
  • Offer exclusion, rating or lessor plan (Counter
    offers) vs. accept or reject
  • Some conditions unable to offer coverage
  • Enrolled 1st of the month, no waiting period
  • Guaranteed issue plans available to people with
    pre-existing
  • conditions.

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
15
Claims
  • I.D card provided for up-front payment on most
    claims
  • Currently 90 of all claims are processed
    electronically
  • Claims Customer Service
  • 1-800-COVER-Me? (1-800-268-3763)
  • SecureServeTM(Internet support)
  • Drug Check

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
16
Who is Manulife
  • Canada was not yet 20 years old when The
    Manufacturers Life Insurance Company (Manulife
    Financial) was incorporated by an Act of
    Parliament on June 23, 1887. Sir John A.
    Macdonald, Canada's first Prime Minister, was
    elected President of the company.
  • Over its long history, Manulife Financial has
    pioneered numerous innovative ideas in insurance.
    The company was among the first to offer life
    insurance to women on the same basis as men, the
    first North American insurance company to offer
    insurance to controlled diabetics, and one of the
    first Canadian life insurance companies to offer
    lower premium rates for non-smokers. Manulife
    Financial even became the first insurance company
    in Canada to embrace computer technology for use
    in its business operations back in 1956.
  • Manulife Financial's vision is to be the most
    professional life insurance company in the world,
    providing the very best financial protection and
    investment management services tailored to
    customers in every market where we do business.
  • Our Affinity Markets division draws on decades of
    experience in providing individuals and small
    businesses with health and dental insurance
    protection. Our unique health and dental
    insurance products are specifically designed to
    fill the gaps left in provincial health plans. We
    are committed to offering products that continue
    to meet the emerging healthcare needs of
    Canadians, and to providing excellent customer
    service.

17
Who is Manulife
  • Thanks to our vision and our long history of
    innovation, Manulife Financial today is a leading
    Canadian-based financial services group operating
    in 15 countries and territories worldwide.
    Through our extensive network of employees,
    agents and distribution partners, we offer
    clients a diverse range of financial protection
    products and wealth management services. Don't
    just take our word for it. Here's how others rate
    Manulife Financial's strength and claims paying
    ability

Standard Poor's Moody's A.M. Best Fitch Ratings DBRS
AA Aa2 A AA IC-1
18
Who is Manulife
  • Canadas Only Health Insurance Company Offering
    Air Miles
  • Manulife is proud to offer its individual
    customers the opportunity to earn Air Miles
    Reward Miles.There are many ways to earn Air
    Miles - including requesting a quote on
    Flexcare.

Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
19
Product Recommendation Most of our clients are
looking for Prescription Drug, Dental, Vision
Paramedical coverage. Do you agree?
Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
20
We help you prepare for lifes unexpected turns
Felix Winstok, EPC Insurance Financial
Advisor (905) 760-2711 www.insurancebyfelix.com
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