Manulife QIT Life Insurance Application Questions
We refund the premiums if the insured person’s death was contributed to or caused by:
travelling in an aircraft (excluding those belonging to major passenger airlines) where the insured person was a member of the crew or a pilot of the aircraft, scuba diving deeper than 75 feet, hang-gliding, paragliding or parachuting, motor sport racing, mountaineering including rock or glacier climbing, scaling or rappelling, or an avalanche while participating in snow sports (including, but not limited to, snowmobiling, down-hill or cross country skiing, snow-shoeing, etc.) in an area where a high or extreme danger level avalanche warning has been posted.
We refund the premiums as described above if, within two years of the day we issued or last reinstated your policy, whichever is later,
the insured person’s death or an injury causing the insured person’s death occurred while in, or as result of treatment for or complications from any injury that occurred while in, a location that is subject to a Government of Canada Travel Advisory categorized
as: avoid all non-essential travel, or avoid all travel.
We refund the premiums as described above if the insured person commits suicide, whether sane or not, within two years after: the coverage issue date, or the effective date of the last reinstatement of the policy, if any, or the insurance coverage ends as of the date of death.
I also would like for you to know, I am licensed to sell life and health insurance in the province of Ontario.
As a licensed broker I have access and place insurance business with many different companies, based on your needs. Some of those companies would include, Manulife Financial, Equitable Life, Industrial Alliance, Empire Insurance, Assumption Life, Canadian Protection Plan, BMO, RBC, SSQ, and several other companies.
It is important to know that I hold NO ownership in any of these companies, and they hold no interest or ownership in my business. I also make it a priority to represent you, and will seek out the best insurance for your needs. All insurance companies have their own specific areas that pertain to peoples needs, and it is my responsibility to find the perfect fit for you.
I am paid commission from the insurance companies at the time of placing an insurance policy with them. There are no fees or payment made by you to me. I will also receive a renewal fee if you choose to keep your insurance policy in service.
I may also be eligible for additional compensation, such as bonuses and non-monetary benefits, such as travel incentives. This compensation depends on various factors such as the volume or retention of business I place with a particular company during a given time period.
I will notify you if there is a conflict on interest of which I become aware in regards to my services. My services will take into consideration your financial needs.