Non-Medical Life Insurance:
- Simplified Life (Ages 25-80)
- Deferred Life (Ages 25-80)
- Family Compass (Ages 20-90)
- CPP No Medical Insurance Ad
- Term Insurance
- Whole Life
- Participating
- Non-Participating
- Universal Life
Investments:
- Segregated Funds
- Investment Loans
- Registered Education Savings Plans
- Individual Plans
- Small Business Group Plans
- Manulife - Online Quotes
- Life Insurance
- Disability Rider
- Critical Illness Rider
- Snowbirds & Traveling Canadians
- Visitors to Canada
Living Benefits:
- Disability Insurance
- Critical Illness
- Long Term Care
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HEALTH & DENTAL PLANS: Individual & Group
Individual Plans:
Health insurance can help bridge the gap from your existing provincial health plan. Benefits include coverage for your dental expenses, prescription drugs, vision care, alternative practitioners, home care, hospitalization, emergency travel assistance and more.
Conversions: Coming out of a group plan? We can help with health & dental plans that follow you...Apply within 60 days of your group benefits ending and enjoy uninterrupted health care coverage without a medical questionnaire.
Value, flexibility, and comprehensive coverage are necessary in your health insurance portfolio. Bertram Insurance & Financial Services offers several plans with a wide selection of health benefits to suit your respective needs and budget.
10 Good reasons to consider Flexcare - click here.To view the Flexcare chart, Snapshot: Benefits and Rates Information click here.
* Individual insurance company plans will vary. Refer to the individual product kits for rates & coverage.
Small Business Group Plans:
Small Business Owners gain a competitive edge in the job marketplace with a cost effective way to protect their employees and their families with 24 hours a day coverage on or off the job.
Eligibility: Businesses with 1-24 full-time employees who work at least 25 hours per week nine months of the year are eligible.
Base Benefits include life insurance, accidental death & dismemberment, extended health care, emergency travel assistance.
Optional Benefits include dental, drugs, dependent life insurance, hospital, vision, short term disability (STD), long term disability (LTD) and critical illness.
Guaranteed issue plans are available for 3+ employees without a medical questionnaire. * Individual insurance company plans, benefits, and rates will vary. Refer to the plan description at time of quotation, for a more detailed account of covered benefits.
For more information on the GMS Group Advantage click here
For more information on the Innovative Business Club "No Frills Group Plan" click here