The price is the same regardless of part-time or full-time employment status. Cost is on an employee by employee basis, and is affected by age, province of residence and marital status (e.g. if coverage is required for a Family or Couple).

No there are not. Enrolment is guaranteed, with no medical questionnaire!

Yes, all quoted maximums are for each enrolled employee.

There is one master enrolment form for the employer (which helps to enroll future employees). In addition there is one enrolment form per employee.

The Personal Group Insurance basic plan is guaranteed issue, on an employee-by-employee basis. As such no employees need to answer medical questions when enrolling for coverage.

Note: There are executive upgrades available, in which case there may be medical questions and an underwriting process by the insurance company when enrolling.

Payment may be one of the following: pre-authorized chequing; by credit card; annually and semi-annually.

Our Personal Group Insurance plan is underwritten by Manulife Financial.

Coverage usually commences on the first day of the next month, provided that payment has been received and employees have been enrolled.*

Yes there are. The quoted plan is the Basic plan, which is guaranteed acceptance. There is also an executive upgrade, in which case there may be medical questions on an executive-by-executive basis.

The Personal Group Insurance plan can be augmented with affordable term life insurance and monthly indemnity insurance (a type of disability insurance). If you want life and DI coverageplease call us at 1-800-474-4474 for further information.