Protection for life ®®
Keeping your insurance needs up to date Reliable shipping,
IT’S NOT A TOPIC that most of us want to discuss, but how well protected is your family in case
something happens to you?
Life insurance helps to ensure that your family
can cope financially if you’re no longer around to
provide. These insurance needs change during the
different stages of life. Here are some pointers provided by Manulife Financial, which offers life and
health insurance plans through Costco.
The general rule of thumb is to be covered for
seven to 10 times your annual income to protect
your family in the event that something happens to
you or your spouse.
WHEN YOU’RE TRYING to run
a business, running into hassles
while shipping products is the
last thing you want to happen.
Easing into retirement
Costco offers an excellent
express courier shipping service
through Ship Time by emergeIT at
significant savings for members.
Young and single
Life insurance can provide you and your
spouse’s golden years with some financial security
in the event one of you is no longer here. Benefits
could enable you to leave something for your
grandchildren or relatives, such as money for
Shipping a package through
emergeIT is as easy as going to
your computer, picking a courier
and printing a label. You also have
the choice of dropping off your
package or having it picked up.
It’s important to note that any group insurance
you have from work normally ends when you retire.
This is a good time to make plans to replace it.
This is an especially vulnerable
time when parents of growing
families have more financial
responsibilities, such as support-
ing children, making mortgage or rent payments,
and saving for children’s education or a home.
Term life insurance is often the most affordable way
to buy the right amount of coverage.
This is the best time to purchase life insurance, because
the younger you are when you
buy, the lower the premiums.
At this time, it’s important to
get protection while you’re
healthy. When you put off buying
insurance, you run the risk of not
being healthy enough to qualify for insurance or
having to pay more if you have certain health conditions that make insuring you riskier.
In case of the unexpected, benefits can be used
to pay off debts such as car loans or school loans,
and/or you can leave money to a niece,
nephew or even your favourite charity.
As you move from one life stage to another, you
should review your life insurance needs to make
sure they are keeping up with your family’s needs.
And if you already have life insurance, it may be
time to revisit your coverage to ensure that your
loved ones will be financially protected.
For information on a competi-
tively priced life and health insur-
ance portfolio for you, your family
and your business, call Manulife
Financial toll free at 1-866-707-
4922 or visit www.manulife.com/
EmergeIT offers shipping
through the world’s leading freight
and courier companies. One
corporate user of the service is
MIS Implants Canada (www.
mis-implants.ca), based in Montreal
2,500 packages a year containing
dental implant products to dental
offices across the country. It’s critical that the company’s products
reach its customers in time—and
a bonus is the significantly lower
shipping costs offered by the
service, says Dino C. Loggia, MIS
Implants’ vice president of sales
Instead of having to contact
individual couriers that serve
the various parts of the country,
MIS Implants has a unique online
account with emergeIT that displays all available couriers and the
price for shipping, says Loggia.
you and your
“By viewing all the available
couriers on one screen and seeing the different rates on different
timetables, we can choose the
best rate,” says Loggia. “We pass
those savings on to our customers,
which gives us an advantage over
Customers save up to 25 per
cent over regular courier rates.
the event one
“This system makes life
easier for us, and our customers
are shocked at the low price,” says
of you is no
Loggia. “It’s efficient, timely and
an affordable price for the doctors.
Regular courier costs can be huge.”
For more information on the
service, go to www.emergeit.com/
costco, or call toll-free 1-877-784-
PHOTODISC/ ANDREW WAKEFORD