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					          Felix Winstok, EPC
     Insurance & Financial Advisor
            (905) 883-7770
       www.insurancebyfelix.com




The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales   F O O T E R
        Felix Winstok, EPC
   Insurance & Financial Advisor
          (905) 760-2711
     www.insurancebyfelix.com




Why?
The need for health and dental coverage.




The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales   F O O T E R
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

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
       Felix Winstok, EPC
  Insurance & Financial Advisor
         (905) 760-2711
    www.insurancebyfelix.com




The need for health insurance.




The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales   F O O T E R
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

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
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

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
The need for health insurance

“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).




                                                                                      Felix Winstok, EPC
                                                                                 Insurance & Financial Advisor
                                                                                        (905) 760-2711
                                                                                   www.insurancebyfelix.com

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
The need for health insurance

“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).



                                                                                    Felix Winstok, EPC
                                                                               Insurance & Financial Advisor
                                                                                      (905) 760-2711
                                                                                 www.insurancebyfelix.com

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
The need for health insurance

“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).




                                                                                   Felix Winstok, EPC
                                                                              Insurance & Financial Advisor
                                                                                     (905) 760-2711
                                                                                www.insurancebyfelix.com

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
The need for health insurance

Statistics relating to the frequency of serious illness amongst Canadians:




                                                                              Source: Statistics Canada




The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
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
May vary per province                                                                (905) 760-2711
                                                                                www.insurancebyfelix.com

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
          Felix Winstok, EPC
     Insurance & Financial Advisor
            (905) 760-2711
       www.insurancebyfelix.com




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

                                                                              For: Self-employed individuals.



The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales                                     F O O T E R
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

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
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

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
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

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
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 fir st 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 finan cial 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 de ntal 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.




The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
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                Moody's               A.M. Best   Fitch     DBRS

                                & Poor's                                                  Ratings

                                AA+                     Aa2                   A++         AA+       IC-1




The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
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®.




                                                                                    Felix Winstok, EPC
                                                                               Insurance & Financial Advisor
                                                                                      (905) 760-2711
                                                                                 www.insurancebyfelix.com

The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales
          Felix Winstok, EPC
     Insurance & Financial Advisor
            (905) 760-2711
       www.insurancebyfelix.com




Product Recommendation
                       Most of our clients are looking for                                            Prescription
Drug, Dental, Vision &                                                        Paramedical coverage.
Do you agree?




The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales                                 F O O T E R
          Felix Winstok, EPC
     Insurance & Financial Advisor
            (905) 760-2711
       www.insurancebyfelix.com




We help you prepare for life’s unexpected turns




The Manufacturer Life Insurance Company - Affinity Markets ‟ National Sales   F O O T E R

				
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posted:8/31/2011
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