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Save on Sun Life Policies
Discount on bundled Term, permanent life, and Critical Illness insurance!
Did you know that there are insurance protection that go beyond just covering final expenses? Covering your temporary needs such as mortgage, could be combined with a permanent insurance to save money, and maintaining the same level of protection. And then there's illness coverage to help your family financially when you survive. That’s why Sun Life is offering a limited time bundle promotion.
Two-product bundle
Between October 1 and December 31, Clients who submit an application for Evolve Term with a minimum face amount of $500,000 and any qualifying non-par product at the same time may be eligible to receive a cheque equivalent to 2 months of the non-term premium(s) or cost of insurance (UL).
Qualifying bundles:
- Evolve Term + Sun CII
- Evolve Term + Sun Permanent Life
- Evolve Term + Sun Universal Life II
Three-product bundle
During the same period, Clients who submit an application for Evolve Term with a minimum face amount of $500,000, CII and any qualifying non-par permanent product at the same time may be eligible to receive a cheque equivalent to 3 months of the non-term premium(s) or cost of insurance (UL).
Qualifying bundles:
- Evolve Term + Sun CII + Sun Permanent Life
- Evolve Term + Sun CII + Sun Universal Life II
Please note:
1) Policies must remain in force for at least six months from the date the last policy settles.
2) The premium/COI discount will be reflected in the terms of the policy or policies receiving the premium/COI discount.
3) Clients who purchase more than one qualifying product in a bundle are eligible to receive the premium/COI discount on all non-term policies purchased. Evolve Term is the only product in the bundle not eligible for the discount.
The discount can be extended to Clients that meet the following criteria:
- term-to-perm conversions (for either a life or CII policy), when a new Evolve Term is purchased at the same time
- term-to-term conversions where non-par permanent life and/or CII are purchased at the same time
- any owner or insured who is the same on all products
(This promotion is offered directly by Sun Life)
CONTACT us now for a quote.
An Insurance Program that Rewards the Healthy
Research shows people prefer their insurance came with rewards and lower premiums.
One of our clients recently commented how insurance companies punish smokers, but do not reward those who are health conscious and exercise regularly. Voila, it is as if his prayer has been answered.
That’s where Manulife Vitality comes in – the innovative and unique program that provides real value to policy owners in addition to insurance coverage, by enabling them to earn rewards and save on premiums through healthier living.
Exciting Enhancements for Manulife Vitality clients –
At age 65 clients can earn 200 Vitality Points each for pneumonia and shingles vaccines (once per lifetime).
At ages 71+ •
•Fewer daily workout minutes required
•Fewer daily active calories burned required
•Blood pressure target has been lowered
A new insurance conversation
Grounded in the science of behavioural insurance, it shifts the conversation from the negative topics of illness and death that are associated with life insurance, to a more positive conversation about improved health and wellness. And, with a greater focus on added value instead of cost, it could incentivize you to take a more active role in your insurance.
Manulife Vitality is truly for everyone
Do you have an existing health concern like diabetes, high cholesterol or obesity? You might just be ideal candidate. Even with a substandard rating, you qualify for a discount right out of the gate. It could be the motivation you need to continue making healthy changes, little by little. Manulife Vitality is designed so that just about anyone, regardless of their fitness level or health, can enjoy the benefits.
This article is based on the tips provided by one of our partners - Manulife Financial, and is not an exclusive recommendation for clients. The information contained is as of date of publication, and may be subject to change. This article is intended as general information only, please contact Insurance Kit regarding your specific situation.
Learn A Little More...
Now that you know there is a program that allows you to live healthy, earn rewards and save on premiums, would you be interested in learning more? Not yet? How about an Apple Watch or a Fitbit?
A Compelling Incentive to Quit Smoking!
Foresters Financial's Quit Smoking Incentive Plan
How it works
When purchasing a Forester's Advantage Plus Participating Whole Life(1) or Non-Par Whole Life(2) products, smokers automatically receive lower rates for the first two years of their certificate. If they quit within this time period, those lower premiums can continue!
It’s a powerful incentive to stop smoking, giving smokers like you the chance to potentially save thousands of dollars as well as to live a healthier lifestyle.
Depending on the product and premium payment period you chose, the savings could apply to up to 20% of your total premiums, even if you decide not to quit.
Plus, Foresters offers members a wide range of unique and complimentary benefts.3
Contact us for your quote and to start your journey to a healthier lifestyle!
1.Underwritten by The Independent Order of Foresters.
2 Underwritten by Foresters Life Insurance Company.
3 Descriptions of member benefts that you may receive assume that you are a Foresters member. Foresters member benefuits are noncontractual, subject to benefit speciifc eligibility requirements, definitions and limitations, and may be changed or cancelled without notice or are no longer available.
Latest tools for smoking cessation
Some of the most effective tools currently are:
- A combination of counselling (in-person or by telephone) plus medication
- Varenicline
- Nicotine patch
- Nicotine gum
Other potential smoking cessation aids include self-help books, a nicotine inhaler, as well as nicotine lozenges.
Many smokers find quitting smoking to be difficult on a number of levels. Common challenges include:
- Stress
- Nicotine withdrawal
- Weight gain and increased appetite
- Cravings and triggers
- Mood swings
Depending on the challenges a person is experiencing, they may wish to consult a healthcare professional, join a support group, or engage in physical exercise.
Eligible clients save on RBC Insurance DI with the new “Foundational WorkForce Offer”
IT IS BACK!! Did you know that you could protect your income and save money at the same time? Especially if you are in the industries that are usually hard-to-insure, you need to read on!
If you work in Agriculture, Trades, Construction or any of the other eligible occupations, you can take advantage of a special offer from RBC Insurance.
For a limited time, you can get 15% off on "The Foundation Series" TM disability insurance solution with the new Foundational WorkForce Offer.
This offer is only valid until March 3, 2024. Don’t miss this opportunity to secure your financial future.
Contact Insurance Kit today and find out how you can benefit from this amazing deal and if you job is eligible.
Examples of qualified occupations (not exhaustive)
- Agriculture :
Nurseries; Greenhouses; Tree Farms; Feedlots;
Bee Keepers; Butchers, Exterminators; Farms, Ranches, vineyards
Fish Farming/Aquaculture; Fishermen, Hatcheries
Forestry Technicians, Gardeners, Lumber Industry
- Mechanic :
Automobile Service and Repairs Mechanic; Aviation - Mechanics Only
Buffers, Polishers, or Grinders; Elevator Installers & Repairers
Elevator, refrigeraion, & HVAC Installers, Service & Repair
- Trades/Construction:
Alarm Systems - Sales & Service; Aluminum Siding; Appliance, Radio & TV Repairs; Architectural Technicians Blacksmiths & Farriers; Bricklayers; Building Demolition, Carpenters; Cement & Concrete Workers & Finishers; Chimney Sweeps, Crane Operators, Dock Workers, Dry Wallers & tapers; Electricians
(This promotion is offered directly by RBC Insurance)
CONTACT us now for a quote.
Access a 5% premium reduction on a qualifying new LifeAdvance™ C.I. policy
You probably know someone, whether a friend, family member or even an acquaintance who has faced a serious illness such as cancer, heart attack, or stroke and seen their struggle firsthand. Critical illness insurance can ease the financial burden and let you focus on the things that matter most – getting better and being with family.
Important details
- A 5% discount for new LifeAdvance critical illness policies with applications received between Nov. 7, 2022, and June 30, 2023.
- Discount is applied to the total premium for the life of the policy, including renewals.
- Includes additional benefits, reissues (if original policy qualified for the discount) and rated premiums.
- The client will pay the non-discounted premium with the application if they are applying for conditional insurance (CIA). If applicable, any overpayment is either refunded to the client by cheque, if annual, or applied to the next month’s payment, if monthly.
- Excluded are conversions and Child LifeAdvance™ policies.
(This promotion is offered directly by Canada Life)
CONTACT us now for a quote.
No better time than now to apply for term life insurance
Apply between now until July 31st, 2023, and you could take advantage of the following:
- Save up to 14% off your annual premiums for the entire duration of the policy!
- Choose the term that's right for you - 10, 20 or 30 years!
- Get guaranteed Death benefit amount and level premiums!
- Optional riders for extra protection!
- No initial paramedical or no lab work for coverage up to $1 million for ages up to 50, and up to $500,000 for ages up to 51-55!
- More than just life insurance
PLUS…. As a Foresters member, you’ll also get access to complimentary benefits1 that can help you save money on day-to-day items, and access to Foresters Go™2
Members who join during this promotion can earn $25 in bonus Foresters Go reward points3 just by downloading the Foresters Go app and completing their profile.
This offer expiry is counting down, so don’t miss this opportunity to secure your financial future.
(This promotion is offered directly by Foresters Financial)
CONTACT us now for a quote.
1 - Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice or are no longer available.
2 - Foresters Go – a wellness app that rewards you for healthy living and giving back to your community. You deserve life insurance coverage that helps you get the most out of life. Provided by The Independent Order of Foresters and is operated by dacadoo AG.
3. Member must be 18 years of age or older to participate in the promotion.
Save on Critical Illness Insurance Premium
This offer is for Sun Life Financial's Sun Critical Illness Insurance (Sun CII). Act soon – this offer ends December 31, 2022!
How it works
- Policy owners who settled Sun Life participating, permanent, term or universal life insurance from January 1, 2018 to September 30, 2022 with in-force policies are eligible.
- The discount is equal to three months of Sun CII premium when they apply for a new Sun CII policy within the offer period. The premium discount will be reflected in the policy terms.
- After the Sun CII policy has been in effect for six months, they’ll get a lump sum payment cheque.
- The life insurance policy must be in effect at the time of the application for Sun CII.
- This offer runs from October 1 to December 31, 2022.
Note: Sun CII policies applications submitted before October 1 and subsequently cancelled in order to reapply to qualify for the campaign will not be eligible.
- This is a direct promotion offered by Sun Life Financial; please ask for full terms and conditions via our contact page
- Promotion ends December 31, 2022, 11:59 PM
Ready to apply for your critical illness insurance policy? Click here to book an appointment for your application!
Gas, groceries, iPad Air®?! Oh my!
- Medical costs continue to rise in Canada. Are you protected and prepared?
- No group benefits where you work?
- Self-employed without health protection? Feeling the weight of inflation? Wondering if health and dental insurance is worth the investment?
Apply for health and dental insurance and you could win up to $13,000 in gas and groceries. Daily prizes to be won!
Until November 20, health and dental insurance can not only help you manage routine and unexpected costs – but also help you save on the day-to-day expenses like gas and groceries*.
By applying and paying for health and dental insurance with your credit card, you could win daily prizes worth $1,000 in gas or groceries. Better yet, two lucky winners will receive an additional $12,000 in gas or groceries.*
(This promotion is offered directly by Manulife Financial)
Discount for Financial Professionals
Enjoy up to a 20% savings on the premium of selected disability insurance plans from RBC Insurance between April 4 to July 3, 2022. This limited-time offer is available on The Professional Series® and The Foundation Series TM disability applications for clients in the financial services industry.
Established Professionals Program (EPP) Discount is always available for professionals who:
- have 3 or more years’ experience and;
- have been earning a minimum of $100,000 net income for the last 2 years
With RBC Disability insurance, policy owners have access to Medical confidence, a unique navigation service, providing timely access to Canadian specialists who offer the shortest possible wait time and an ideal skill set to diagnose and treat clients’ health conditions. Premiums are guaranteed to never increase up to age 65. Policy owners also enjoy the conversion privileges to Long Term Care Insurance without evidence of insurability.
Promotion Rules
- Eligible occupations include:
Accountants, Actuaries, Auditors, Bank Employees,
Bookkeepers, Economists, Financial Planners, Investment Brokers,
Insurance Advisors, Mortgage Brokers and Stockbrokers..
- This cannot be combined with any other discount offers.
- The offer of a 20% discount* (15% Select and 5% Large Case Discount for The Professional Series® and 15% Select and 5% Policy Change for The Foundation Series™) will apply to any new sales of The Professional Series or The Foundation Series applications.
Term Life Insurance - Offer Expired
Term life insurance provides temporary, flexible and affordable protection for you, your family and/or your business.
You can get Big Discounts on Canada Life My Term
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Canada Life is offering a 10% or 15% permanent discount on qualifying, new Canada Life My Term insurance policies* between 5 and 50 years term, with issue ages of 55 or younger, for applications received before March 6, 2022. (Yes, it got extended!)
Eligible for joint-first-to-die with the equivalent single age (ESA) of 55 or younger.
*Excluded are term-to-term conversions, term riders, and exchanges.
You can also enjoy the flexibility that Manulife's term solutions provide.
Manulife has decreased their Term-10 and Term-20 rates* for Family Term, Business Term and Family Term with Vitality.
- Up to 13% for T-10 policies**
- Up to 10% for T-20 policies**
With Vitality, you can save more, gain rewards, and other discounts.
Disclaimers:
*Only entry rates have changed; there are no changes to renewal rates or term insurance rider rates.
** Insurance rate reductions apply to all bands and HealthStyles, but not all ages.
Fall into Savings with Equitable Life® Term
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* This promotion has ended. Please take advantage of the other remaining offers now!
Travel & Disability Insurance - Offer Expired
While you are considering Emergency Medical Insurance… Remember to look at Trip Cancellation & Interruption as well.
Covid-19 is covered for Cruise ship travels now!*
Take advantage of this
15-months for the Price of 12 Offer!
* This promotion has ended. Please take advantage of the other remaining offers now!
Save 5% NOW on new, qualifying disability policies
* This promotion has ended. Please take advantage of the other remaining offers now!
All discounts are offered by the insurance companies, not Insurance Kit, according to their terms and conditions.