AN INTERESTING STUDY by LIMRA, an
insurance consulting firm, found that while
most people (85 per cent) believe life insurance is a necessity, fewer than two-thirds
actually have it. How about you?
Life insurance is worth considering for
this solid reason: If for some unforeseen reason you’re no longer around to provide for
your family, they’re covered financially. In
other words, life insurance ensures that your
family has a secure financial future, in the
case of your untimely death.
IF YOU’VE EVER stopped for a meal at a
small restaurant or coffee shop, chances are
good you’ve smiled your way through a
copy of Coffee News. This free paper features a mix of unusual news stories, trivia,
jokes and local advertising—perfect reading while awaiting a meal.
In Alberta and Saskatchewan, the company that owns most of the area’s Coffee
News franchises uses Ship Time to get the
paper out to 2,300 different eateries each
week. Ship Time is an express courier shipping service available through Costco.ca.
Here’s how Ship Time works: After setting up an online account, you simply enter
the key information about your shipment,
including size, pickup location and destination. Ship Time displays Canada’s leading
couriers on the screen, showing different
rates and schedules. You can then select the
courier service that meets your individual
Costco member Walter Heuvingh,
owner of Coffee News in Edmonton (www.
Costco members can save money on life
insurance plans offered through Manulife
Financial. Justin L. Franklyn, an account
manager at Manulife Financial, says many
people don’t fully consider everything that a
life insurance plan can help cover. This
includes paying for debts (including the
mortgage), day-to-day expenses and bills, college tuition and final expenses, as well as help
to fund a retirement plan for a spouse.
The Manulife Financial plan offers flexibility to meet your individual circumstances
coffee-news.ca), uses Ship Time to distribute
some 50,000 copies of the paper. The logistics of distributing all those copies to the
right place at the right time can be complex, but Ship Time takes care of the process from start to finish, Heuvingh says.
“We don’t have to worry about drop-
ping anything off,” he notes. “We just enter
delivery information [and] the time to
pick up, and they’re here.” The Ship Time
site can print waybills, and billing is done
automatically, he adds. “It’s very conve-
nient and simple.”
Customer service is equally smooth: If
there’s a problem with any shipment, a
Ship Time representative can resolve it.
And perhaps best of all is what the service
means to a company’s bottom line.
“I am probably saving 40 per cent on
cost alone over what we used previously,”
Heuvingh says. “From a time-savings
aspect, we’ve probably reduced administra-
tive time on shipping from four or five
hours to one hour, or even less. It’s basically
a matter of typing in the information, stick-
ing a waybill on the box and it’s gone.
Logistically it just makes sense for me to
use a business like this.”
For more information on Ship Time, go
to Costco.ca, click on “Services” and then
on “Express Courier Shipping,” or call toll-
and needs. You can choose your coverage
amount, from $50,000 to $750,000, in incre-
ments of $25,000. The plan offers two add-
ons for further protection: income protection
disability insurance, and accidental death and
Health insurance: a safety net
Provincial health-care plans pay for most
doctors’ examinations, hospital stays and vari-
ous basic tests and treatments. However, they
rarely cover 100 per cent of medical costs—and
those costs can seriously drain your savings.
That’s why anyone who doesn’t have the
safety net of an employee plan, including self-
employed business owners and contract work-
ers, would be wise to consider private coverage.
Costco makes such coverage affordable
through health and dental plans from Manulife.
Also, health insurance plans can be a
smart tool for small-business owners, as they
are incentives for good employees to stay. If
you’re self-employed, you may be able to
deduct your premiums for health and dental
insurance from your annual income. If you’re
a business owner, any premiums for such coverage that you pay on behalf of your employees may also be tax deductible.
Manulife Financial life and health insurance plans are offered to Costco members at
exclusive savings and with a variety of options
to meet individual needs. For more information on these programs, go to Costco.ca, click
on “Services,” then on “Life and Health Plans,”
or call toll-free 1-866-707-4922—Tim Talevich
A close look at insurance
Truly fast, easy and affordable shipping