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4 Steps to Pick the Best Manulife Insurance Policy

on 23 Aug, 2018

Remember when you were little and your parents scheduled every single dentist appointment for you? Do you still call them first before making an appointment with your doctor’s office?

Don’t worry – most young adults do. This is because, unfortunately, not everyone understands how insurance works. As such, many people end up calling their parents to make sure they’re able to claim insurance benefits before going to a check-up, or they touch base with them afterward to understand the billing process.

It’s time to take matters into your own hands.

Stop wondering how insurance works and make the effort to learn how it benefits you. More importantly, look into how you can leverage your insurance policies and choose the best one.

If you’re interested in doing so with Manulife Insurance company, keep reading to find out everything you need to know.

What Can Manulife Insurance Offer You?

Manulife Insurance is capable of fulfilling a wide range of insurance needs.

They’re the go-to choice for many individuals who need health and dental coverage, disability insurance, and life insurance or support for their critical illness.

More so, Manulife provides consumers with a combination coverage opportunity. This allows them to pay for all sorts of unexpected coverage – including accident and injury insurance, critical illness insurance, and early life insurance.

If you’re at the age when life insurance is considered more of a necessity than an “early” policy, Manulife Insurance can also help you. All you need to do – regardless of your age and immediate health needs – is do a little more research to point you in the right direction.

How to Find the Right Manulife Insurance?

Do you already have health insurance, but without dental coverage? Are you interested in buying your very first life insurance policy?

Before you start comparing plans and looking at increasing your coverage, you have to understand what you already have. Think about whether you’re on your parent’s plan or a company plan of some sort. You may want to keep some of the benefits already available and use Manulife Insurance to supplement the missing elements, or, you might choose to use Manulife for everything.

Whatever you choose, make sure you take the following steps to get to your final decision.

4 Steps to Pick the Best Manulife Insurance Policy in Canada

[1] IDENTIFY the Kind of Insurance You Need

There’s no sense in getting insurance with vision coverage if you don’t wear prescription glasses. On the other hand, you do need to make sure a dental plan includes orthodontic care if you plan on getting braces in the future.

These are just two examples of how your needs play into the kind of insurance you purchase. There’s no insurance that can cover it all, and sometimes, it just doesn’t make sense to invest in plans if you don’t foresee yourself using their benefits.

On the other hand, you do have to take certain possibilities into account.

You can’t be sure if you’ll end up in a life-changing accident or not, and you definitely can’t predict your death.

While these sound like grim things to talk about, they shouldn’t be overlooked when assessing your insurance needs.

Don’t forget to consider your current coverage, either. Sometimes, it’s worth upgrading from the health insurance policy you already have to a better option, while others, all you need to do is get yourself vision or dental care in addition to what your company or your parents cover.

[2] CONSIDER Your Lifestyle

One way to think about your insurance needs is to consider your lifestyle as a whole. Are you still a student? Do you have a career that requires you to travel outside of the country often?

Students can usually find special discounts or policies meant to make insurance more accessible to them. In the case of travelers, it’s worth noting that a health insurance policy in Canada can’t always help you abroad. You need an additional traveler’s policy to cover you in the event of an accident or illness.

Life insurance and unexpected disability coverage, though, is universal. If you buy life insurance in Canada and something happens to end your life outside of the country, your beneficiaries will still receive what they’re supposed to (all things constant – i.e. up to date payments).

The plan you have in place will help with funeral costs and other funds associated with a person’s death.

[3] SET a Budget and Consult a Professional

Just when you think you’ve found the perfect Manulife insurance policy, take a look at your budget. Make sure you have the financial means to commit to monthly payments before you sign anything.

Actually, it might be best to consult with a professional about the matter. That’s what life insurance representatives are for.

Their goal is to help people understand their needs and fulfill them without breaking the bank.

This goes for students, travelers, the elderly, and the disabled, everyone. It doesn’t matter who you are or why you’re looking for insurance, an agent can guide you in the right direction. This is an especially valuable resource if you’ve never bought your own insurance before.

[4] EXPLORE Other Options

The final thing you need to do is explore other options. A lot of the times, there are more insurance policies available to you than what you think.

It’s worth asking insurance agents about additional opportunities or even looking somewhere other than Manulife insurance.

This does prolong the process, and it can cause a bit of confusion if you start comparing too many things at once. But, in the end, it provides you with the absolute best choice.

Take your time finding your insurance.

It doesn’t matter if you need new dental coverage before your next cleaning or you want to get life insurance right away in case something happens – the more thought you put into the process, the happier you will be with the choice you make.

Taking Care of Yourself: Health, Life, and Dental Insurance

There’s no denying the need for insurance, whether you purchase it from Manulife Insurance or not. This goes for health insurance, life insurance, dental and vision coverage, and even disability or illness protection.

Having such policies opens the doors for all the medical and financial support you and your family may need in life. It allows you to access various treatments and procedures without breaking the bank and helps take care of your loved ones after you pass.

If you’re interested in purchase insurance from a business owner’s perspective for all of your employees, click here.

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