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Optimize Your Business Success: Elevate Your Team and Company with Comprehensive Medical Benefits!

To be a decent and reliable insurance broker is an important quality, especially in the insurance industry where customer trust is critical. Additionally, the ability to work in a team and have marketing skills are essential aspects of a successful career in this field.
One of the types of insurance that I offer my clients is medical group  benefits for business owners and their employees.
Employee health benefits provide a range of benefits for your employees and your business. Here are some of the main benefits they can provide:

Attracting and Retaining Employees.

Providing health benefits makes your company more attractive to potential employees and helps retain current employees since health insurance is considered a crucial factor in job selection.
Employees` Improving health and well-being. Health benefits provide employees access to healthcare services that promote their health and improve their physical and mental well-being.

Increased productivity.

Healthy employees are more productive and are less likely to miss work due to illness. The provision of medical benefits can reduce the frequency of sick absences and increase overall employee productivity.
Employees` reduced turnover. When employees see that a company cares about their health and well-being, they are more likely to stay with the company long-term, which reduces employee turnover and saves money on hiring and training new employees.
Tax benefits. In many countries, providing medical benefits can grant tax advantages for businesses. During that can reduce the company’s tax burden.
Improved Reputation. Medical benefits can build on your company’s reputation as a caring and socially responsible employer, which can attract more customers and investors.
Reduce Insurance Risk. Medical benefits can help reduce insurance risks associated with employee illnesses and injuries, which may save money on insurance company claims.

The first insurance in the country is a medical policy coming to Canada - Visitors to Canada Insurance (Travel Insurance Canada).

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Essential Guide to Seamless Visitor Travel: Navigating Cultures, Safety, and Experiences

Visitor travel encompasses a wide range of activities and considerations. Whether you are a tourist or a business traveler, there are several important factors to keep in mind:

Research and Planning:

Before embarking on a trip, it’s essential to research your destination. This includes understanding the local culture, language, customs, and any potential safety or health concerns. Planning your itinerary, accommodations, and activities is also crucial.

Travel Documents:

Ensure you have all necessary travel documents, including passports, visas, and any required permits. Make copies of these documents and store them separately from the originals.

Health and Safety:

Your health and safety should be a top priority. Stay up to date with vaccinations, carry necessary medications, and know the location of local medical facilities. Consider purchasing travel insurance to cover unexpected medical expenses and trip cancellations.


Choose accommodations that fit your needs and budget. Research hotels, hostels, vacation rentals, and other options in advance. Read reviews and consider location, amenities, and safety.


Plan your transportation to and within the destination. This includes booking flights, trains, buses, or rental cars. Familiarize yourself with local public transportation options and schedules.


Establish a budget for your trip and stick to it. Consider costs for accommodations, transportation, food, activities, and shopping. Allow for some flexibility in your budget for unexpected expenses.

Language and Communication:

Learning some basic phrases in the local language can be very helpful. If that’s not possible, consider translation apps and maps to navigate the area.

Local Customs and Etiquette:

Respect the local customs and etiquette of the destination. This includes appropriate clothing, behavior, and tipping practices.

Safety Precautions:

Be aware of your surroundings, and take precautions to avoid theft or scams. Keep your belongings secure, use reliable transportation options, and avoid walking alone in unfamiliar areas at night.

Cultural Sensitivity:

Be open to experiencing the local culture and respecting local traditions and beliefs. Learn about the history, art, and customs of the destination.

Travel Itinerary:

Have a rough itinerary, but also allow for spontaneity. Leave room for unexpected discoveries and experiences.

Packing Essentials:

Pack appropriate clothing for the destination’s climate and activities. Don’t forget essentials like chargers, adapters, and personal hygiene items.

Travel Insurance

Consider purchasing travel insurance to cover unexpected events like trip cancellations, medical emergencies, or lost luggage.

Environmental Responsibility

Be mindful of your impact on the environment and the local community. Reduce waste, conserve resources, and respect nature and wildlife.

Emergency Contact Information

Share your itinerary and emergency contact information with a trusted friend or family member. Keep a copy of this information with you.

Local Cuisine

Try local foods and drinks, but be cautious about street food in areas with questionable hygiene standards. Drink bottled water in places where tap water is not safe.


Things may not always go as planned. Be flexible and patient in dealing with unexpected changes or challenges.

Remember that different destinations may have specific requirements and considerations, so always research the specific details for your trip. Ultimately, the key to a successful visitor travel experience is thorough preparation, cultural sensitivity, and a willingness to embrace new experiences.

The first insurance in the country is a medical policy coming to Canada - Visitors to Canada Insurance (Travel Insurance Canada).

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Pre-approved Manulife MONEY+ Visa campaign launching April 20th

Starting April 20th, we’ll be reaching out to approximately 100,000 Manulife Bank customers to let them know that they’re pre-approved for a Manulife MONEY+TM Visa Infinite* or Visa* Platinum Card. Customers can apply online using a unique special offer code included in their email offer.

What’s the offer for the Infinite Card?

Customers who accept the offer will have their annual fee waived for the first year1 – that’s a $120 value!
Manulife One customers who accept the offer will have their Unlimited Daily Banking fee waived for a year, saving around $200. Even better, cardholders who spend $20,000 a year or more on their card will keep getting that fee waived in the future2.
Plus, Visa Infinite cardholders will enjoy 3% cash back rewards at grocery stores, 2% cash back on travel, and 1% cash back on everything else3.
What’s the offer for the Visa Platinum Card?

Visa Platinum cardholders get 2% cash back rewards at grocery stores and 0.5% back on everything else4.
Plus, Visa Platinum cardholders never pay an annual fee.
Also, both cards include an introductory balance transfer offer of just 1.99% for 6 statement cycles5.

For more information, check out our FAQ.

Key Dates:

April 20th – Email and splash pages deployed

May 4th, 18th and June 1st – Reminder emails sent

June 10th – Campaign ends.

The first insurance in the country is a medical policy coming to Canada - Visitors to Canada Insurance (Travel Insurance Canada).

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No minimums or fees

There’s no minimum balance needed to start saving with your RRSP, no setup or monthly fees, and no fees to deposit or take out money. Keep in mind that withholding taxes may apply to withdrawals.

Pay less tax in retirement

When you retire, your income will probably be lower than it is now. That means the money you and your spouse take out of your RRSPs will likely be taxed at a lower rate.

Borrow to pay for a first home or education

Take out up to $35,000 to make a down payment on your first home with the Home Buyers’ Plan and up to $20,000 for your or your spouse’s education with the Lifelong Learning Plan. Faster growth without taxes while you save In your RRSP, taxes aren’t applied until you start withdrawing your money. Instead, every dollar in your account keeps growing.

Pay less tax today

When you contribute to your RRSP (or your spouse’s), you lower your taxable income and pay less tax today.

Lower risk in your retirement portfolio

Your money will earn a high-interest rate and won’t depend on stock market returns. Plus, your savings are eligible for deposit insurance from the Canada Deposit Insurance Corporation (CIDC).

RRSP investment options


Registered Advantage Account

Get a high rate of return on your money while having easy access to it when needed.

No minimum investment

All deposits earn the same high-interest rate

No setup fees


Long-term GICs

Lock your money in to earn guaranteed returns in a secure, simple investment.

$2,500 minimum investment

Competitive rates on 1-year to 5-year terms

No setup or maintenance fees


Short-term GICs

Stay flexible and keep your options open with investment terms of up to a year.

$25,000 minimum investment

Competitive rates on 30-day to 364-day terms

No setup or maintenance fees.

For more information – 647-993-8405

The first insurance in the country is a medical policy coming to Canada - Visitors to Canada Insurance (Travel Insurance Canada).

Explore Insurance with Mileni

Insurance News | Introduction

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Dear Friends!
I started this mailing list to share the latest news from the insurance industry with you, warn you about common mistakes related to a lack of information, and remind you of what you should pay attention to.
Dear friends,
I also want to share information about other topics that interest me and that you might find interesting. How to stay healthy, how to change your eating habits, how you can use essential oils in your daily life, or to share recipes and suggestions I sporadically encounter on the Internet.

What exactly would you be interested in reading in my letters? I appreciate your time. I want the two minutes spent reading my newsletter to be well spent!
And in parting, a couple of insurance jokes:
“The essence of insurance is that people who are lucky pay for the failures of people who are not so fortunate.”
Rabinovich laments to a friend:
– Professional stress will finish me off! I suffer from migraines, my blood pressure is off the charts, I sleep terribly, and I just got an ulcer. If I don’t quit, I’ll probably have a stroke or a heart attack.
– Why are you staying with the company?
– Yes, it hurts in our company favorable medical insurance conditions … “
With care to you,
Insurance Agent
Inna Shafir
I will check the current policies at no cost and at a time that is convenient for you. Life changes, the insurance industry, smoking status, and other factors can lower the cost of your insurance.

The first insurance in the country is a medical policy coming to Canada - Visitors to Canada Insurance (Travel Insurance Canada).

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Travelling - Visitor Insurance is required right now!

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This statement is true for both visitors and most new residents of Canada. In most provinces, public health insurance in Canada is not available to immigrants and students for the first few months. When the deadline expires for the region, public health insurance for an immigrant or Canadian citizen becomes available.
Travelers and visitors to Canada must take out Visitors to Canada Insurance. It is highly suggested that individuals purchase a medical insurance policy. The cost of treatment in Canada is high. If you do not have any insurance for emergency medical care, you will have to pay a large amount. Also, do not choose a policy that does not cover hospital treatment. For example, after an appendix is removed, medical bills can start at a minimum of 7,000 Canadian dollars.

The amount will be significantly more if we discuss serious medical interventions or prolonged hospitalization. People with chronic diseases take health insurance more responsibly. However, even a sudden dentist in Canada visit without insurance might seriously derail your plans. That is why Travel-Visitor Insurance Canada must be; it is unpleasant not to have it.
It is essential to take a severe approach to choosing an insurance policy. The insurance price depends on the length of stay, the age, and the selected package of services. Mileni Insure works with insurance plans for New Immigrants, Guests, Families Visitors, and International Students.
Our insurance company will assist you in navigating the complexities of insurance offers and selecting a personalized, cost-effective insurance plan. 
Please, contact us for more information. Our agent will contact you within 24 hours and respond to any inquiries or questions you may have.

The first insurance in the country is a medical policy coming to Canada - Visitors to Canada Insurance (Travel Insurance Canada).