Term Insurance FAMILY TERM Purchasing life insurance could be the most important decision you make toward protecting your family's future. Having the right amount of life insurance protection when you die will provide your family with a future that is financially secure. Family Term is the ideal choice for both temporary and life-time needs of families. It gives you assurance that your entire family will be taken care of when you die. It can provide an ongoing income to maintain your family's current lifestyle, pay off your mortgage or debts and provide money for your children's education. Protection For You and Your Family Owning adequate life insurance gives you peace of mind knowing that your family will be taken care of when you die. Life insurance provides an ongoing income to maintain your family's current lifestyle. Life insurance can also be used to pay off your mortgage or debts and to provide money for your children's education. Unlike traditional term insurance plans, Manulife offers the simplicity and savings of having one plan to cover your entire family. Flexibility to Change as Your Needs Change Family Term coverage meets both your temporary and lifetime protection needs in the same plan. Coverage can easily be updated as your lifestyle and income change. You choose the payment option and amount that suits your budget and your needs. Easy to Understand Family Term insurance coverage is an easy-to-understand, low-cost insurance option. Your contract is written in plain, easy-to-read language Your plan is easy to manage with statements and notices that are concise and understandable. Family Term Features Family Term provides insurance coverage for a set period of time that you select and your costs remain the same for the duration. Coverage can be renewed and future payments are guaranteed. You can choose one or more of the following coverages in the same plan: 10 year term coverage 20 year term coverage Life-time coverage (starting at age 40) Additional Protection and Options You may also choose to purchase the following options: Affordable protection for your children, including a guarantee that when they become adults, they can purchase life insurance, regardless of their health. Coverage for serious injuries or accidental death. Life insurance coverage for your parents to help you manage their estate costs. If you become disabled, monthly charges will be waived. A guarantee to purchase future life insurance without providing the normally required evidence that you are insurable. BUSINESS TERM Business Term is the ideal term choice for business owners. It offers low-cost life insurance protection that can be customized for your company's specific needs and fit within your business’s cash flow. If you or a key person were to die unexpectedly, insurance can ensure that your business continues to provide enough funds for your beneficiaries to cover potential capital gains taxes and the collateral needed for debt financing. You face many challenges in the management of your business - from managing the day-to-day operations to achieving its long-term success. If you or a key person dies, these challenges may also include ensuring that your business continues to provide enough funds for your beneficiaries to cover potential capital gains taxes and the collateral needed for debt financing. Life insurance is one of the most effective solutions for funding these types of business needs since it guarantees that money will be available when you need it most. Term insurance can be a good choice of life insurance protection since it can meet your needs now and fits comfortably within your business cash flow. Business Term gives you low-cost life insurance protection that can be customized for your company's specific needs.
#102, 9802 97 Avenue Grande Prairie, AB T8V 7K2 Bus: 780-532-4400 Toll Free: 800-654-3684 Fax: 780-539-6669 E-mail:	Disclaimer: Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund's simplified prospectus before investing. Mutual fund securities are not guaranteed, their values change frequently and past performance may not be repeated.