Discounts available for Homeowners, Tenants Package (Renters) and Condominium Policies
· Mature
· Claims Free
· Security
· Multiline (insuring home, tenants or condominium and automobile with the
  same insurer)

Discounts Available for Automobile Policies
· Multiline (Insuring home, tenants or condo and automobile with same insurer)
· More than one vehicle insured
· Lower rates available for drivers 10,15 and 20 years claims free)
· Low - mileage

In addition to group benefits plans for company with larger number
of employees we also offer HealthCare Plus designed for:
· Self-Employed individuals and families
· Retirees
· Contract Employees
· Employees of Samll companies
· Entrepreneurs
· Seasonal Worker
· Associations
· Anyone without group benefits

Vision
$150/ 2 years
75% Co-pay

Extended Health Care

* $100,000 Lifetime   Maximum
* Private Duty Nursing
  - $2,000/yr.
* Home Care
  - $1,800/yr
* Orthopedic Footwear
* Chiropractor, Chiropodist,
  Athletic Therapist,
  Osteopath, Podiatrist,
  Registered Dietician,
  Nutritionist,
  Physiotherapist,
  Occupational Therapist,
  Speech Pathologist
* Ambulance Services
* Accidental Dental
  - $2,500 per year
* Hearing Aids
  - $300/5yrs.
* Medical Supplies
  - $1,500/yr
* Assistive Devices
  - $1,000/yr
* AD&D - $25,000

Travel Insurance

* Health Advantage
  System.
* 2 days of out of country
  coverage with access to
  preferred membership
  rates.

Vision
$150/ 2 year's
75% Co-pay

Extended Health Care

* $100,000 Lifetime   Maximum
* Private Duty Nursing
  - $2,000/yr.
* Home Care
  - $1,800/yr
* Orthopedic Footwear
* Chiropractor, Chiropodist,
  Athletic Therapist,
  Osteopath, Podiatrist,
  Registered Dietician,
  Nutritionist,
  Physiotherapist,
  Occupational Therapist,
  Speech Pathologist
* Ambulance Services
* Accidental Dental
  - $2,500 per year
* Hearing Aids
  - $300/5yrs.
* Medical Supplies
  - $1,500/yr
* Assistive Devices
  - $1,000/yr
* AD&D - $25,000

Travel Insurance

* Health Advantage
  System.
* 2 days of out of country
  coverage with access to
  preferred membership
  rates.

Dental

* Dental Coverage with
  a 80% payment for fillings,
  cleanings, scalings,
  exams and polishing at
  $1,000 per year.
  ($500, 1st. 12 months)
* Recall visits every
  9 months.

Option 1
Prescription Drugs

* Medically Underwritten,
  (requires you to complete
  a brief medical
  questionaire)
* Name brand if Generic
  not available.
* No dispensing fee cap.
* 80% Co-pay.
* $2,000/per year.

Option 2
Semi Private Hospital Coverage

* Medically Underwritten,
  (requires you to complete
  a brief medical
  questionaire)
* 80% Co-pay.
* Max. $170/day,
1st. 30 days.

Option 3
Hospital Cash

* $30 per Day Hospital
  Cash Allowance.
* Up to 90 Days
  hospitalization.

Option 4
Travel Insurance Upgrade

* 15 day Annual Plan.
* Take unlimited number
  of 15 day trips out of
  country or province
  covered by
  Health ADVANTAGE

NOTES:
1. Above is a partial listing of benefits. (see policy for detailed listing).
2. Optional Benefits may only be purchased in conjunction with Plan A or B.
3. Options 1 and 2 are medically underwritten. You must complete the
    questionnaire on the reverse of the application to determine whether you qualify.
Please click for: INDIVIDUAL RATES
Please click for: ASSOCIATION RATES