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You’ve worked hard to get where you are today. As a result, you’re well established and financially successful. Now you’re wondering if you still need any life or living benefits insurance.

Life insurance can still play a role to minimize the amount of tax you pay today, to cover taxes that may be payable when you die (for example, capital gains tax), or to provide an estate for your heirs. At Manulife Financial, our advisors, together with a team of lawyers and accountants, have built processes for evaluating these and many other complex financial needs. Visit our Tax & Estate Planning site for information on more complex financial needs.

What if you were to become critically ill, or needed long-term care? Would you have the money you need to cover expenses not covered by your government or private plan? Or would you use your savings and therefore deplete the nest egg you’ve worked hard to build up.

Your financial advisor can help you determine if life and living benefits insurance are the right solutions for you. Find an advisor near you.

You can also check out Insure Right. It includes an easy-to-use online calculator to help you determine if you have the right type and amount of insurance to meet your specific needs.