Class Plus is an income and investment solution for individuals about to retire, in the early retirement years, or investing for retirement. Empire Life has designed Class Plus to address the most important financial issues you face in your retirement years.

Do you want to be worrying about market downturns, having enough funds to support your lifestyle, or outliving your money?

With Class Plus, you can enjoy your retirement years instead of worrying about your investments and income.

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Saving for your retirement involves a lot of careful planning. Not only do you have to ensure your savings will be sufficient to fund your future need for income, you also have to ensure that your nest egg will last as long as you’ll need it. With longer life expectancy, this could be 30 years or more.

We are pleased to advise that timetoinvest.ca now has travel insurance available through Manulife Financial.

You can't expect to have a emergency away from home, or to have to cancel a trip due to an emergency but you can be prepared for these events.

Take this opportunity to choose the plan that's right for you if you are traveling for pleasure or on business.  Click on the link below to protect yourself and your health before traveling.

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Watch the Video: Manulife Travel Insurance 101

One day, you have the security of a group healthcare plan to help fill the increasing gaps left by your provincial health insurance plan coverage. The next, whether through a career change, retirement or job loss, your benefits are gone, and you have to pay for routine medical expenses such as prescription drugs, dental services, prescription eyewear and chiropractic visits, out of your own pocket.

One of the reasons why it’s difficult to time the market is that investment decisions are often clouded by media hype and other emotional influences.

Chart source: Westcore Funds / Denver Investment Advisers LLC, 1998