F O O T E R The Manufacturer Life Insurance Company - Affinity Markets – National Sales Felix Winstok, EPC Insurance & Financial Advisor (905) 883-7770.

F O O T E RThe Manufacturer Life Insurance Company - Affinity Markets – National Sales

Felix Winstok, EPCInsurance & Financial

Advisor(905) 883-7770

www.insurancebyfelix.co

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Why?The need for health and dental coverage.


Advisor(905) 760-2711


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The Manufacturer Life Insurance Company - Affinity Markets – National Sales

Agenda

• The need for health & dental coverage• Tax deductibility• Underwriting & Claims • Who we are• Product recommendation


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The need for health insurance.


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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.


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Decline of Government involvement• GHIP cut backs.• Hospital closings - more need for homecare.


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“I’m healthy, I don’t 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).


Advisor(905) 760-2711


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“I only claim a few things per year”• Remember, the purpose of health insurance is to

ensure your family’s financial security.• Comfort of knowing you don’t have to worry about

the uncertainties that come from relying entirely on our Government health care systems

(Peace of Mind).


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“I have other financial priorities”• Every year you could pay thousands in unexpected

medical and dental expenses if you don’t have a health plan.

(Potential to use up your savings on private care).


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Statistics relating to the frequency of serious illness amongst Canadians:

Source: Statistics Canada


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

May vary per province


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Legally speaking,We can’t give you a Manulife plan for free.........Can we?

For: Self-employed individuals.


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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 employeeTax deductible for employer

For self-employed


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, EPCInsurance & Financial

Advisor(905) 760-2711


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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®


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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.


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


Who is Manulife

Canada’s Only Health Insurance Company Offering Air Miles®

Manulife is proud to offer it’s individual customers the opportunity to earn Air Miles Reward Miles.There are many ways to earn Air Miles - including requesting a quote on Flexcare®.


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Product RecommendationMost of our clients are looking for

Prescription Drug, Dental, Vision & Paramedical coverage.Do you agree?


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We help you prepare for life’s unexpected turns


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F O O T E R The Manufacturer Life Insurance Company - Affinity Markets – National Sales Felix Winstok, EPC Insurance & Financial Advisor (905) 883-7770.

Documents

health insurance statistics

purpose of health insurance

health insurance benefits

health insurance im

health plan

financial priorities

familys financial security

f o o t e r