Health and Dental Plan


If you are one of the millions of Canadians without an employee health plan – and therefore, vulnerable to health care expenses not covered by the Government Health Insurance Plan – supplemental health care coverage could be right for you.

With  plan options available, you can choose the plan that’s right for your family, your needs and your budget. you can customize your plan with add-on options for additional coverage.

The need for supplemental health insurance:

  • The average household spent $1616 out-of-pocket on health care expenses in 20101
  • About 1 in 3 have gone without needed health care because of insufficient coverage (those with lower levels of income, women, self-employed and younger respondents age 18-34)2
  • Group plans may not provide enough health coverage
  • 62% of employers do not provide retiree benefits2

Manulife Financial offers Health, Dental and Extended Health Care benefits with

the following options:

* Coverage for Individuals and Families

* Coverage for those who are self-employed or those whose group benefits have been


Flexcare offers 7 different health and dental plans (3 of which are guaranteed issue) and

many add-on benefits so that you can design a health plan that best meets your specific


Click here to learn more about Flexcare.

FollowMe offers 4 guaranteed issue plans which are designed to bridge the gap for

people who are leaving a group plan due to job loss or retirement so that their health and

dental coverage is not interrupted. As long as you apply within 60 days of leaving your

group plan, you are guaranteed acceptance with FollowMe.

Click here to learn more about FollowMe.




"Niklife Financial is a customer oriented business. Mahshid knows the market, she is willing to listen to customer needs and provide the best solution fast and efficient."
— Sadaf Nezafatkhah, P.Eng., MBA, MASc