Smart Partners

As a member of the Sarnia Lambton YMCA in Sarnia, Goderich, Chatham or Petrolia, you want what any member wants ROI – a return on your investment in your YMCA membership. It can come as improved overall health, increased strength or flexibility, access to personal training or group sessions. But wouldn’t it be nice if you could leverage your YMCA membership into cost savings?

Well now, maybe you can! YMCA and Manulife Financial are teaming up to help you save money as a YMCA member, through RJ Rau & Associates.

Want to save the cost of your membership?

You want to make money with your assets and you also want your assets to be secure, appreciating, liquid and useful in your old age, or you want to convert them into assets that will be secure – or so you hope. Well maybe your best asset is your good health. Good health is one of the best investments that anyone can make. In fact, the return is greater than any interest rate. And the value increases with each day.

We’d like to see more YMCA members enjoy the benefits of a healthier lifestyle, including substantial savings on life insurance and living benefits. That’s why we have worked with Manulife to implement and promote their unique Healthstyles program for YMCA members. It helps you determine what kind of shape you’re in, and gives you information and tips on how you can improve. And by working with the trainers at the YMCA, perhaps you can improve on these metrics over time. And when you are on your way to better health, you could also be on your way to lower cost insurance with Manulife.

How Healthstyles can help you save

Good health brings so many benefits. Appearance. Energy. Stamina. Self-confidence. And, of course, the chance for a longer and more vibrant life. Manulife Financial recognizes and appreciates the importance of these benefits. With the introduction of Healthstyles®, they became the first major Canadian insurance company to reward customers for their good health.

By taking a closer look at key health and lifestyle factors, such as tobacco use, physical build, cholesterol level, blood pressure and family medical history, Healthstyles gives you the opportunity to enjoy significantly lower rates on all Manulife term and universal life insurance products.

It's our way of saying congratulations on your decision to lead a healthier lifestyle.

We have teamed up with Manulife Financial to provide access to Healthstyles underwriting, and reduced rates for YMCA members in SW Ontario. To facilitate this, we have assembled a team of insurance consultants who can show you how you may be able to save the cost of your YMCA membership, or even more.

We know there are no quick answers to your financial questions. Your financial situation is as unique as you are. That's why we offer a wide range of products and services to meet your individual needs. And, most importantly, we have the expertise to help you sort through and understand your options and find the solutions that are right for you.

Initial Meeting

We are prepared to meet one on one, with members of the YMCA in Lambton, Kent and Huron Counties, to facilitate discussion on how you may be able to simply restructure your current insurance portfolios to save you money. We feel that it is important for you to have the right type of coverage, at the right price.

Analysis and Report

We understand your situation and are committed to working with YMCA members to provide a no-cost analysis of your current plans in terms of cost-effectiveness as well as tax-efficiency, and a concise report prepared by us to help you determine your needs in a logical and easy to understand format. Along with this, we will offer specific recommendations that will put a consumer accountable plan in place for you, at rates that right for you.

Finally, your efforts to live a health life are rewarded

And the great news is that it’s not difficult to qualify for Manulife’s best rates. Thefollowing chart shows that Manulife’s Healthstyles savings aren’t reserved for only high-performance athletes and those in superb physical condition. In fact, more than 40% of our customers are saving money on their insurance – just for being healthy.

Healthstlyes Report

Another advantage of the program we have put together for YMCA members is Manulife’s unique personalized Healthstyles Report that you will receive free of charge once you’ve been underwritten. This will show you the results of your tests and compare your actual results to the normal range. We are pleased to bring you this personal and confidential Healthstyles Report. We think you’ll find it a useful tool … because the more you know about your health profile today, the better you’ll be prepared to maintain or even improve your health in the future. And if you choose to share this report with your trainer at the YMCA, perhaps you will be able to make improvements in key areas over time.

Documents

Find out more by downloading:

• Your Manulife Healthstyles Report (pdf document, 336 KB)
• Your guide to the Manulife Healthstyles insurance advantage (pdf document, 603 KB)

To view these documents, you will need Adobe Acrobat Reader (downloadable free of charge).

More Information

If you'd like more information on Manulife's products and services - and how we can help you with your personal or business insurance needs, please Contact us today for more information, pricing, or a custom-designed solution.