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Term Life Insurance Plan
Hbc, along with Manulife Financial, are pleased to offer you the following insurance coverage:
When it comes to looking after your family's future, this is one of the easiest choices you could make. The Term Life Insurance Plan gives you the option of $50,000, $100,000 or $150,000 in life insurance protection at special low rates exclusively for cardholders and their spouses, resident in Canada and between the ages of 18 and 65. In addition to the low cost, a Living benefit is available to you after two years of coverage, if you become terminally ill. Under this benefit, your policy could pay up to 50% of your Term Life insurance benefit tax-free (to a maximum of $50,000). This benefit may help you and your family at a time when you need it the most. And, once you're insured, your premium rate is guaranteed not to increase for five years. If you join today, you lock in at your best possible value for the next five years! Please refer to the online tools.
Once you're enrolled in the Term Life Insurance Plan, you have the option to take advantage of the additional security of Major Accident Protection and Child Term Life coverage:
For only $6 per month, Major Accident Protection coverage provides you with up to $150,000 in additional coverage, if you or your spouse are severely injured as a result of a covered accident. Furthermore, this coverage option could pay your beneficiary an accidental death benefit equal to 10% of your total Term Life insurance coverage to help cover funeral costs or other expenses. And, if you lose a limb in a covered accident, the accidental dismemberment option provides you with a generous percentage of your Major Accident Protection coverage to help you cope with adjusting to your injury. Please refer to the online tools.
If anything was to happen to your children, expenses should be the last thing on your mind. A single premium of only $2.25 per month protects all your eligible children with $10,000 coverage each, regardless of how many children you have. Child Term Life coverage ensures that cost consideration will never come between you and what needs to be done. Please refer to the online tools.
Evaluate Your Protection Needs: Use our interactive needs calculator as a guide to determine what it would take to protect the financial well-being of your family.
Get a Free Online Quote: See how little it can cost for you to secure the level of financial protection your family may need with Term Life coverage or Accident Protection coverage.
Apply for Coverage Online: Apply for coverage online directly from this Web site, quickly and securely, in the privacy of your own home or office, or apply by mail simply by downloading and printing the application form, completing the questions and sending it to Manulife Financial, 2 Queen St. East, P.O. Box 4213, Station A, Toronto, Ontario, M5W 5M3.
Exclusions
Death resulting from suicide or intentional self-inflicted injury, while sane or insane, within the first two years of coverage is excluded. If this occurs, premiums are returned without interest.
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Hbc Cardholders and their spouses residing in Canada, between the ages of 18 and 65, are eligible to apply for the Term Life Insurance Plan.
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The Hbc, the Bay, Zellers insurance plans are underwritten by The Manufacturers Life Insurance Company (Manulife Financial).
Go to www.manulife.com to obtain more information on Manulife Financial.
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