Archive for December, 2010

Buy Drug, Dental and Health Insurance Online in Canada

Buying health insurance online just got easier in Alberta

If you are without employer benefits or are self employed without a health and dental plan, you know how expensive paying for your medical bills out of pocket can be. Even though the Alberta health care system covers many of your major medical expenses, there are still lots of costs that come directly from your pocket.

Prescription drugs, dental care, extended medical service, and even ambulance rides could cost you thousands per year. Wouldn’t it be comforting to know you have a health, drug and dental plan in place to protect you and your family from unforeseen medical costs that could break your budget?

Life Guard Insurance and Manulife Financial have partnered together to offer you the most flexible and cost effective drug, dental and health insurance online plan in Canada today. And you can quickly and easily quote costs and apply for coverage online. Shop for the insurance you need now, and if you choose, start your plan immediately by applying online. You can even pay the premiums from your credit card and earn valuable reward points each month.

Manulife offers two highly customizable products through its CoverMe Health & Dental insurance plans: Flexcare and Followme.

Flexcare

Flexcare is designed to offer flexible choice in your plan design. Choose from a plan focused mainly of prescription drugs, dental care, extended health care or a combination of all three.  Once you have chosen the type of health, drug or dental insurance you want to focus on, then you can choose from either basic coverage or the enhanced plan. There are also valuable add-ons you can choose from to customize your coverage even more to meet your needs.

Plans can be designed for single people, couples or whole families. The online quoting system will allow you to add members of your family to the plan and generate a comprehensive quote. You can combine add-ons and basic plan designs until you have made the perfect plan that both meets your insurance needs and your monthly budget.

Here is a brief description of the core plans you can choose from, the Add-Ons that can be included and the Stand-Alone medical plans you can also buy with Flexcare:

Core Plans

Flexcare Core Plans let you choose between dental coverage, drug coverage or a combination of both. With each Core Plan you’ll also receive generous coverage for registered specialists, travel emergencies, accidental death and dismemberment and more. Your provincial plan doesn’t cover all this!

If you are 65 years of age or over, you are likely to have special health priorities. That is why Flexcare health plan coverage is adjusted to reflect your needs.

DrugPlus^TM

DentalPlus^TM

ComboPlus^TM

Add-Ons

These coverage options are only available with a Flexcare Core plan. They allow you to customize your Flexcare DrugPlus, DentalPlus or ComboPlus plan to create your own “One-Of-A-Kind” coverage.

Extended Health Care

Hospital

Vision

Travel

Accidental Death and Dismemberment

Catastrophic

Stand-Alones

With Flexcare Stand-Alone coverage, you don’t need a Core plan. You can select one or more Stand-Alones to create your own “One-Of-A-Kind” Flexcare health plan.

If you are 65 years of age or over, you are likely to have special health priorities. That is why Flexcare health plan coverage is adjusted to reflect your needs.

Hospital

Catastrophic

To find out how each Core Plan, Add-On or Stand-Alone plan works, please visit Life Guard Insurance’s Manulife portal for information, quotes and the ability to buy online, now.

FollowMe Health

FollowMe Health is designed to offer uninterrupted health and dental coverage for you and your family when your employment and group benefits end. If you apply within 60 days of your loss of group health and dental benefits, you will qualify without having to complete a medical questionnaire. And with four levels of protection to choose from, you can select the plan that best meets your specific needs. Choose from four FollowMe Health plan designs:

Basic

Enhanced

Enhanced Plus

Premiere

Learn more about how these plans can meet your continuing health and dental insurance needs and choose the one that fits your budget. Go online now for a quote and to purchase coverage in Alberta now.

Life Guard Insurance for Health Insurance Online

If you would like more information about your insurance needs, including health, drug and dental plans, feel free to contact Life Guard Insurance. We are ready and willing to answer your insurance enquiries in Canada.

The article was written by Mitch Reynolds+. If you found this article interesting or it made you think, please feel free to share your comments below. Liking us on Facebook, giving us a +1 on Google or Tweeting this article about health insurance online would also be very much appreciated.

Buy Drug, Dental and Health Insurance Online in Calgary

Buying health insurance online just got easier in Alberta

If you are without employer benefits or are self employed without a health and dental plan, you know how expensive paying for your medical bills out of pocket can be. Even though the Alberta health care system covers many of your major medical expenses, there are still lots of costs that come directly from your pocket.

Prescription drugs, dental care, extended medical service, and even ambulance rides could cost you thousands per year. Wouldn’t it be comforting to know you have a health, drug and dental plan in place to protect you and your family from unforeseen medical costs that could break your budget?

Life Guard Insurance and Manulife Financial have partnered together to offer you the most flexible and cost effective drug, dental and health insurance online plan in Calgary today. And you can quickly and easily quote costs and apply for coverage online. Shop for the insurance you need now, and if you choose, start your plan immediately by applying online. You can even pay the premiums from your credit card and earn valuable reward points each month.

Manulife offers two highly customizable products through its CoverMe Health & Dental insurance plans: Flexcare and Followme.

Flexcare

Flexcare is designed to offer flexible choice in your plan design. Choose from a plan focused mainly of prescription drugs, dental care, extended health care or a combination of all three.  Once you have chosen the type of health, drug or dental insurance you want to focus on, then you can choose from either basic coverage or the enhanced plan. There are also valuable add-ons you can choose from to customize your coverage even more to meet your needs.

Plans can be designed for single people, couples or whole families. The online quoting system will allow you to add members of your family to the plan and generate a comprehensive quote. You can combine add-ons and basic plan designs until you have made the perfect plan that both meets your insurance needs and your monthly budget.

Here is a brief description of the core plans you can choose from, the Add-Ons that can be included and the Stand-Alone medical plans you can also buy with Flexcare:

Core Plans

Flexcare Core Plans let you choose between dental coverage, drug coverage or a combination of both. With each Core Plan you’ll also receive generous coverage for registered specialists, travel emergencies, accidental death and dismemberment and more. Your provincial plan doesn’t cover all this!

If you are 65 years of age or over, you are likely to have special health priorities. That is why Flexcare health plan coverage is adjusted to reflect your needs.

DrugPlus^TM

DentalPlus^TM

ComboPlus^TM

Add-Ons

These coverage options are only available with a Flexcare Core plan. They allow you to customize your Flexcare DrugPlus, DentalPlus or ComboPlus plan to create your own “One-Of-A-Kind” coverage.

Extended Health Care

Hospital

Vision

Travel

Accidental Death and Dismemberment

Catastrophic

Stand-Alones

With Flexcare Stand-Alone coverage, you don’t need a Core plan. You can select one or more Stand-Alones to create your own “One-Of-A-Kind” Flexcare health plan.

If you are 65 years of age or over, you are likely to have special health priorities. That is why Flexcare health plan coverage is adjusted to reflect your needs.

Hospital

Catastrophic

To find out how each Core Plan, Add-On or Stand-Alone plan works, please visit Life Guard Insurance’s Manulife portal for information, quotes and the ability to buy online, now.

FollowMe Health

FollowMe Health is designed to offer uninterrupted health and dental coverage for you and your family when your employment and group benefits end. If you apply within 60 days of your loss of group health and dental benefits, you will qualify without having to complete a medical questionnaire. And with four levels of protection to choose from, you can select the plan that best meets your specific needs. Choose from four FollowMe Health plan designs:

Basic

Enhanced

Enhanced Plus

Premiere

Learn more about how these plans can meet your continuing health and dental insurance needs and choose the one that fits your budget. Go online now for a quote and to purchase coverage in Alberta now.

Life Guard Insurance for Health Insurance Online

If you would like more information about your insurance needs, including health, drug and dental plans, feel free to contact Life Guard Insurance. We are ready and willing to answer your insurance enquiries in Calgary.

The article was written by Mitch Reynolds+. If you found this article interesting or it made you think, please feel free to share your comments below. Liking us on Facebook, giving us a +1 on Google or Tweeting this article about health insurance online would also be very much appreciated.

Simplified Critical Illness Insurance

Buy simplified critical illness insurance online in Canada now!

Surviving a critical illness can be very challenging, physically, emotionally and financially. We all could use some help when such a tragedy strikes out lives. Critical illness insurance was designed to take the financial worries and pressure out of your life while you are trying to recover from something major in your life, like cancer or heart disease.

In Canada, Alberta, Life Guard Insurance and Manulife Financial have partnered together to offer you a simple and easy way to get the critical illness insurance you need. Lifecheque Basic is Manulife’s simplified critical illness insurance product. Premiums are very low, you get coverage for the most common major conditions, medical qualification is simple, and you can now buy the plan quickly and easily online.

Lifecheque Basic Critical Illness Insurance– How it works

Manulife’s Lifecheque Basic is the best simplified critical illness insurance policy in Canada today. Most other forms of simplified critical illness insurance offer only three covered conditions, however Lifecheque Basic offers 5: Cancer, Heart Attack, Stroke, Bypass Surgery and Aortic Surgery. If you were diagnosed with any of these conditions (some early stage cancers that are not critical to your health are not covered), 30 days after diagnosis you would be paid out a lump sum, tax free benefit from your critical illness insurance plan. These 5 covered conditions account for over 85% of all critical illness insurance claims in Canada today.

Your Lifecheque Basic critical illness insurance plan comes in three benefit amounts: $25,000, $50,000 or $75,000 of coverage. You choose the amount that is right for you. You also have the option of having just the basic coverage or buying the Return of Premium rider with your plan. This would allow you to get back 100% of the entire premium you invested into the plan when you reach your 75^th birthday, so long as you have never had a claim on your policy and have kept it in force continuously until that time.

Medical qualification is so simple. All you need to do is make a declaration of good health today and you have never had a major critical illness in your past. Once you have the plan, regardless of your future health conditions, Manulife can never cancel your critical illness insurance policy until it ends at age 75, so long as you pay your premiums. This gives you the security you are continuously insured throughout your life. Of course, you can choose to cancel the plan at any time if you wish.

Premiums are very affordable. Lifecheque Basic has competitive prices that fit easily into anyone’s’ budget. For example, a 40 year old man could buy $50,000 of critical illness insurance for $22 per month (non-smoker). A 35 year old woman non-smoker, buying $75,000 of coverage with return of premium would only be $36.75 per month. You can access the complete premium rate guide for Lifecheque Basic critical illness insurance from Life Guard Insurance’s website.

As a bonus, Lifecheque Basic also gives you a special health care service called Health Service Navigator at no extra cost. Health Service Navigator gives you and your whole family access to a resource with quick and easy answers to all your health care questions and support services.  One simple phone call and you will be connected to a medical coordination service that will help you navigate the Alberta provincial health care system, to find the resources and help you need. Also, if you need a second opinion about your diagnosis, Health Service Navigator will help you get it from a world-class hospital.

Be sure to check out our page on Lifecheque Basic Simplified Critical Illness Insurance, where you can download the comprehensive Manulife brochure and premium rate guide. If you are interested in getting an online quote, and maybe purchasing your coverage online now, please click here.

If you have any other questions or concerns about critical illness insurance, feel free to contact us at Life Guard Insurance.

The article was written by Mitch Reynolds+. If you found this article interesting or it made you think, please feel free to share your comments below. Liking us on Facebook, giving us a +1 on Google or Tweeting this article about simplified critical illness insurance would also be very much appreciated.

Simplified Critical Illness Insurance

Buy simplified critical illness insurance online in Calgary now!

Surviving a critical illness can be very challenging, physically, emotionally and financially. We all could use some help when such a tragedy strikes out lives. Critical illness insurance was designed to take the financial worries and pressure out of your life while you are trying to recover from something major in your life, like cancer or heart disease.

In Calgary, Alberta, Life Guard Insurance and Manulife Financial have partnered together to offer you a simple and easy way to get the critical illness insurance you need. Lifecheque Basic is Manulife’s simplified critical illness insurance product. Premiums are very low, you get coverage for the most common major conditions, medical qualification is simple, and you can now buy the plan quickly and easily online.

Lifecheque Basic Critical Illness Insurance– How it works

Manulife’s Lifecheque Basic is the best simplified critical illness insurance policy in Canada today. Most other forms of simplified critical illness insurance offer only three covered conditions, however Lifecheque Basic offers 5: Cancer, Heart Attack, Stroke, Bypass Surgery and Aortic Surgery. If you were diagnosed with any of these conditions (some early stage cancers that are not critical to your health are not covered), 30 days after diagnosis you would be paid out a lump sum, tax free benefit from your critical illness insurance plan. These 5 covered conditions account for over 85% of all critical illness insurance claims in Canada today.

Your Lifecheque Basic critical illness insurance plan comes in three benefit amounts: $25,000, $50,000 or $75,000 of coverage. You choose the amount that is right for you. You also have the option of having just the basic coverage or buying the Return of Premium rider with your plan. This would allow you to get back 100% of the entire premium you invested into the plan when you reach your 75^th birthday, so long as you have never had a claim on your policy and have kept it in force continuously until that time.

Medical qualification is so simple. All you need to do is make a declaration of good health today and you have never had a major critical illness in your past. Once you have the plan, regardless of your future health conditions, Manulife can never cancel your critical illness insurance policy until it ends at age 75, so long as you pay your premiums. This gives you the security you are continuously insured throughout your life. Of course, you can choose to cancel the plan at any time if you wish.

Premiums are very affordable. Lifecheque Basic has competitive prices that fit easily into anyone’s’ budget. For example, a 40 year old man could buy $50,000 of critical illness insurance for $22 per month (non-smoker). A 35 year old woman non-smoker, buying $75,000 of coverage with return of premium would only be $36.75 per month. You can access the complete premium rate guide for Lifecheque Basic critical illness insurance from Life Guard Insurance’s website.

As a bonus, Lifecheque Basic also gives you a special health care service called Health Service Navigator at no extra cost. Health Service Navigator gives you and your whole family access to a resource with quick and easy answers to all your health care questions and support services.  One simple phone call and you will be connected to a medical coordination service that will help you navigate the Alberta provincial health care system, to find the resources and help you need. Also, if you need a second opinion about your diagnosis, Health Service Navigator will help you get it from a world-class hospital.

Be sure to check out our page on Lifecheque Basic Simplified Critical Illness Insurance, where you can download the comprehensive Manulife brochure and premium rate guide. If you are interested in getting an online quote, and maybe purchasing your coverage online now, please click here.

If you have any other questions or concerns about critical illness insurance, feel free to contact us at Life Guard Insurance.

The article was written by Mitch Reynolds+. If you found this article interesting or it made you think, please feel free to share your comments below. Liking us on Facebook, giving us a +1 on Google or Tweeting this article about simplified critical illness insurance would also be very much appreciated.

Buying Travel Insurance Online in Canada Just Got Easier

Life Guard offers Manulife Travel Insurance Online – Quick and Easy

If you are planning a trip out of Canada, like a winter get away to Mexico or a European vacation or just down to the US, you need to make sure you are properly insured for medical expenses, trip interruption costs and lost luggage. Getting travel insurance put in place should be as easy as one, two three online. And now it is.

Life Guard Insurance has partnered with Manulife Financial to offer you the most convenient online shopping experience for travel insurance in Canada. You can shop Manulife’s full suite of travel insurance options online, compare prices, and select the plan that is best for you and meets your budget.

Plan options include:

• Single Trip Emergency Medical

• Single Trip All-Inclusive Coverage

• Single Trip Travel Canada Emergency Medical (for out-of-province trips but not out of Canada)

• Quick Trip Plan (for less than 17 days travel)

• Quick Trip Travel Canada Plan

• Emergency Medical Top-Up

• Trip Cancellation/Interruption

• Multi-Trip Emergency Medical

• Multi-Trip All Inclusive Coverage

As well as Travel Insurance for Alberta and Canada residents travelling abroad or out-of-province, Manulife also offers a Visitor To Canada package to help insure those family members and friends coming to Canada who do not have travel insurance from their own country. The Visitor to Canada Plans can be designed in three different ways:

• Visitor to Canada Single Trip Emergency Medical

• Visitor to Canada Multi-Trip Emergency Medical

• Top-up to Visitor to Canada Multi-Trip coverage

In order to qualify for the Visitor to Canada Plans, you must be older than one month and less than age 85, have no terminal or serious health conditions where a doctor has advised you not to travel, using oxygen or requiring kidney dialysis. Besides that, you can quickly and easily be covered through this online application process.

If you are a student travelling out of Canada to study abroad, or studying out of your province of residence, Manulife has discounted plans for you. Also, if you are a foreign student coming to Canada to study, you can purchase an International Student travel insurance package for medical expenses while in Canada.

Life Guard Insurance makes it easy to Travel Insurance Online

All together, it is easy and convenient to get the travel insurance you need now, and buy it online in Canada. You can access Life Guard Insurance’s Travel Insurance online portal to Manulife by clicking on this link. To find out more about Manulife’s travel insurance, visit the Life Guard Insurance webpage describing Manulife’s travel insurance options.

Also, feel free to contact us at Life Guard Insurance for more information regarding travel insurance.

The article was written by Mitch Reynolds+. If you found this article interesting or it made you think, please feel free to share your comments below. Liking us on Facebook, giving us a +1 on Google or Tweeting this article about travel insurance online would also be very much appreciated.

Buying Travel Insurance Online in Calgary Just Got Easier

Life Guard offers Manulife Travel Insurance Online – Quick and Easy

If you are planning a trip out of Canada, like a winter get away to Mexico or a European vacation or just down to the US, you need to make sure you are properly insured for medical expenses, trip interruption costs and lost luggage. Getting travel insurance put in place should be as easy as one, two three online. And now it is.

Life Guard Insurance has partnered with Manulife Financial to offer you the most convenient online shopping experience for travel insurance in Calgary. You can shop Manulife’s full suite of travel insurance options online, compare prices, and select the plan that is best for you and meets your budget.

Plan options include:

• Single Trip Emergency Medical

• Single Trip All-Inclusive Coverage

• Single Trip Travel Canada Emergency Medical (for out-of-province trips but not out of Canada)

• Quick Trip Plan (for less than 17 days travel)

• Quick Trip Travel Canada Plan

• Emergency Medical Top-Up

• Trip Cancellation/Interruption

• Multi-Trip Emergency Medical

• Multi-Trip All Inclusive Coverage

As well as Travel Insurance for Alberta and Calgary residents travelling abroad or out-of-province, Manulife also offers a Visitor To Canada package to help insure those family members and friends coming to Canada who do not have travel insurance from their own country. The Visitor to Canada Plans can be designed in three different ways:

• Visitor to Canada Single Trip Emergency Medical

• Visitor to Canada Multi-Trip Emergency Medical

• Top-up to Visitor to Canada Multi-Trip coverage

In order to qualify for the Visitor to Canada Plans, you must be older than one month and less than age 85, have no terminal or serious health conditions where a doctor has advised you not to travel, using oxygen or requiring kidney dialysis. Besides that, you can quickly and easily be covered through this online application process.

If you are a student travelling out of Canada to study abroad, or studying out of your province of residence, Manulife has discounted plans for you. Also, if you are a foreign student coming to Canada to study, you can purchase an International Student travel insurance package for medical expenses while in Canada.

Life Guard Insurance makes it easy to Travel Insurance Online

All together, it is easy and convenient to get the travel insurance you need now, and buy it online in Calgary. You can access Life Guard Insurance’s Travel Insurance online portal to Manulife by clicking on this link. To find out more about Manulife’s travel insurance, visit the Life Guard Insurance webpage describing Manulife’s travel insurance options.

Also, feel free to contact us at Life Guard Insurance for more information regarding travel insurance.

The article was written by Mitch Reynolds+. If you found this article interesting or it made you think, please feel free to share your comments below. Liking us on Facebook, giving us a +1 on Google or Tweeting this article about travel insurance online would also be very much appreciated.