* Mandatory coverage - Extended Health Care (EHC) and Dental benefits cannot be waived due to spousal coverage
** Excludes provincial sales taxes, where applicable.

Ineligible groups include businesses that are: not-for-profit organizations, seasonal, Quebec-based, holding companies or businesses that have been in operation for less than six months.

Please note the following:

When Manulife Financial becomes your insurer, we reserve the right to reassess and adjust this proposal, including the premium rates, to reflect any changes including, but not limited to:

• The effective date of coverage
• Plan Sponsor information, and
• Plan Member information