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Group vs. Individual Insurance
Manulife's individual life policy
has an optional rider for your children.
Many employees are enticed into buying optional group insurance to supplement their individual life insurance coverage. They often are mis-informed into thinking that this optional group coverage will give them a lower rate and better value, but the reality is, in most instance group coverage is actually more expensive than equivalent term life coverage without the added benefits of an individual life policy. Below we have outlined the difference between an optional group insurance policy and an individual life insurance plan:
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