Hello! We are Live Boldly -

Insurance planning team based in Edmonton, Alberta

The millennial generation has been faced with some hurdles. For many of us, we are starting families and taking on hundreds of thousands of dollars in mortgage debt. It’s a different economical landscape than it was for our Baby Boomer parents.

However, our generation is savvy when it comes to personal finances. Many have already started saving for retirement, and have set goals to become financially independent and debt free. Let’s face it though – we are busy people! Sometimes things like life insurance planning get overlooked or simply pushed to the back burner.

Our goal is simple; we want to provide families with value. We achieve this by offering exceptional advice, affordable insurance solutions and can deliver this all through a very simple and convenient process.

01.

Relationships

You’re not a number to us, were here to connect and get to know you.

03.

Philanthropy

We believe in giving back to our community and strive to make a positive impact.

02.

Down-to-Earth

We are not a suit and tie firm. We speak your language and keep it simple.

04.

Growth

We will never stop growing and finding new ways to better serve you and our community.

Most young adults may have group benefit coverage in place (unless you're self employed), and if they have a mortgage, it's likely that they accepted the Mortgage Life Insurance coverage that their lender offered them.

What many are unaware of is that Mortgage Life Insurance can be anywhere from 50 to 60% more expensive than an individual term life insurance policy.

  • All of your life insurance needs covered
  • All in one policy that is easy to understand
  • All of this at a low monthly cost (lower than you might expect!)

Young Couple

Simon & Jenn


Age: 27 & 26

They own a Townhouse and have no kids
$275,000 Mortgage

Currently Paying $66.00/month for Mortgage Life Insurance 1

They both require:
$300,000 of Life Insurance


$43.80/month - Total 2$300,000 each – 20 Year Term

Single Mother

Caroline


Age: 33

She owns a Condo and has a 8 Year old son
$250,000 Mortgage

Currently Paying $47.50/month for Mortgage Life Insurance 1

She requires:
$400,000 of Coverage


$26.57/month - Total 2$400,000 – 20 Year Term

Growing Family

Paul & Rebecca


Age: Both 36

Homeowners with a 5 Year Old & 2 Year Old
$450,000 Mortgage

Currently Paying $225.00/month for Mortgage Life Insurance 1

They both require:
$650,000 of Coverage


$90.92/month - Total 2$650,000 each – 20 Year Term

Do you have mortgage life insurance? Allow us to help!

1. Mortgage Life Insurance Premiums are based on the average cost per $1,000 of coverage charged by the big five Canadian banks.
2. Quotes generated from www.manuliferates.ca. All quotes are Manulife Family Term, 20 Year Term. Quotes as of March 1st 2017 (subject to change).

Here is what a personalized life insurance policy can do for you!

Lower Premiums

Save money and own better coverage

A term life insurance policy is on average 40% to 50% less expensive than mortgage life insurance. The banks charge an incredibly high rate for their product, and it’s much less comprehensive. With the ability to apply online it’s almost just as easy to get a policy in place and cut down your insurance costs.

Guaranteed for 20 Years

Lock in those savings long term!

When your term life insurance is approved, your policy and premiums will be guaranteed for 20 years! For many of us, this is an important stage of our lives where we may have a mortgage and raise a family. However, this is not like one of those bad cell phone contracts; you can cancel the policy in the event your needs change.

Plus so Much More

Just a few things the bank can’t offer

  • Your spouse is your beneficiary – they have the flexibility to use the proceeds however they need it.
  • Your policy is portable and will cover your mortgage – no matter what bank you have your mortgage with.
  • All of your life insurance needs in one policy – mortgage, income replacement, loans and children’s educations.

Plus so Much More

Just a few things the bank can’t offer

  • Your spouse is your beneficiary – they have the flexibility to use the proceeds however they need it.
  • Your policy is portable and will cover your mortgage – no matter what bank you have your mortgage with.
  • All of your life insurance needs in one policy – mortgage, income replacement, loans and children’s educations.

We would like to introduce you to Manulife Vitality - Live Healthy. Earn Rewards. Save Money.

Enjoy Rewards

Get rewarded for being awesome!

Healthy living is rewarded! The more points a member earns, the higher their Vitality Status and the greater their potential rewards and discounts.

The more engaged you are with the program and live a healthy lifestyle, the more rewards you can enjoy:

  • Opportunity to save on future insurance rates*
  • Personalized health goals and a free Garmin® to monitor your progress
  • Rewards and discounts

*Subject to guaranteed minimum and maximum rates.

Enjoy Rewards

Get rewarded for being awesome!

Healthy living is rewarded! The more points a member earns, the higher their Vitality Status and the great their potential rewards and discounts.

The more engaged you are with the program and live a healthy lifestyle, the more rewards you can enjoy:

  • Opportunity to save on future insurance rates*
  • Personalized health goals and a free Garmin® to monitor your progress
  • Rewards and discounts

*Subject to guaranteed minimum and maximum rates.

The Manulife Vitality app

Earn Vitality Points™

Earn Vitality Points™ for everyday things you do to stay healthy, like going to the gym, visiting the dentist, or maintaining a healthy weight. It’s easy to submit your activities by using the Manulife Vitality app, visiting Manulife.ca/Vitality, or by syncing your wearable device.

The Manulife Vitality app

Earn Vitality Points™

Earn Vitality Points™ for everyday things you do to stay healthy, like going to the gym, visiting the dentist, or maintaining a healthy weight. It’s east to submit your activities by using the Manulife Vitality app, visiting Manulife.ca/Vitality, or by syncing your wearable device.

Conquer Your Goals and Push Your Fitness Further

All Manulife Vitality Members will receive a free Garmin vivofit 3 Activity Tracker wristband with their policy! Get rewarded for all of those steps you do each day!

Waterproof

The tracker is suitable for diving up to 164 ft., as well as for showering, snorkelling, and swimming.

1 Year Battery Life

No need to worry about recharging! The battery will last one year.

Automatically Syncs

Syncs with your device and the Vitality app via Bluetooth.

Sleep Tracking

Tracks your sleeping habits to determine when you're in light, deep, or REM sleep.

Notifications

Reminds you to stay active with move bar and audible alert.

Track Activities

Tracks activities such as, cycling, running, walking, swimming, and weight lifting.

(Don’t worry, if you’re a current Apple Watch or Fitbit user;
you can use these devices to track activity levels with Manulife Vitality.)

The Bank's Typical Mortgage Life Insurance..."Features"

Bank is Beneficiary

Your bank would cover the mortgage balance. However, this may leave your spouse without any flexibility, as they do not directly receive any of the proceeds.

Decreasing Coverage

As you work to pay down the balance of your mortgage, your mortgage life insurance will only provide coverage for the balance remaining on your mortgage.

Increasing Premiums

Premiums are generally set on 5 year age bands. (I.e. 25-30, 30-35, etc.) Premiums will increase as you move into a new age band (while the balance of your mortgage decreases).

Not Portable

Any change in lenders means you will need to re-qualify for your mortgage life insurance. Rates may increase at this time, and if your health has changed, you may not be approved.

Doesn't sound great? Yeah, we don't think so either.

We Keep it Simple and Convenient

Manulife Vitality

We welcome you to explore our site; there is plenty of great information on Manulife Vitality and it only takes a few minutes to process a quote! Please feel free to connect with us; we are happy to answer your questions!

Apply Online

Let’s chat when it’s convenient! We host meetings online where we can assist you with answering your questions and applying directly online. It’s a very simple and non-intrusive application process.

Underwriting

Once you apply online, you will need to go through a telephone interview to complete questions regarding your medical and personal history. In most cases a traditional medical (blood/urine exam) will not be required!

Approval

Once your life insurance application is approved, we will courier your policy right to your doorstep! When you receive your policy, we will arrange a short phone call or online meeting to review.

BOOK A MEETING WITH US

“I’ve always had a passion for helping protect my clients with the right insurance and Manulife Vitality has brought new life into life insurance. Vitality encourages my clients to live a healthier lifestyle and saves them money!”

- Scott Campbell CFP, CHS

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