Life Insurance & Employee Benefits in Manitoba
Corey Abrams, GBA, CHS · President and Broker · Licensed in Ontario, British Columbia, Alberta, Manitoba, PEI and Nova Scotia · In business since 2012 · 5.0 stars from 37 Google reviews
If you live or run a business in Manitoba, you have no shortage of insurance options. What is harder to find is straight advice about which ones actually fit your situation. That is what we do. Abrams Insurance works with Manitoba families, business owners, and incorporated professionals to put the right protection in place, without the jargon and without the pressure.
Life insurance for Manitoba families
Life insurance is simple in concept and confusing in practice. Term, whole life, universal life, riders, convertibility. Most Manitoba families we talk to do not need to understand every product on the market. They need to answer one question: if something happened to the main earner, would the family be okay?
We start there. Then we look at the numbers: your mortgage or rent, your kids’ ages, your debts, your existing coverage through work. Only then do we talk about products. For most young families, a term policy that covers the years the kids are dependent is the honest answer. For business owners thinking about estate planning or wealth transfer, permanent coverage may make sense. Either way, you will understand what you are buying and why.
Employee benefits for Manitoba employers
Winnipeg’s business community is tight knit, and word travels fast about which employers take care of their people. A solid benefits plan is one of the strongest retention tools a small or mid-sized business has. We design group benefits plans for Manitoba employers of all sizes, from two-person startups to companies with hundreds of employees.
A typical plan includes health and dental coverage, disability insurance, life insurance, and sometimes a health care spending account or wellness program. We will walk you through what each piece costs, what it actually covers, and where employers commonly overpay. The goal is a plan your team values and your budget can sustain.
A broker licensed in Manitoba
Insurance in Manitoba is regulated by the Insurance Council of Manitoba (ICM). We are licensed to operate here, which means we are held to provincial standards for how we advise and sell. When you work with a licensed broker instead of buying direct from a call center, you get someone who compares options across multiple insurers and recommends what fits, not what pays the highest commission.
Serving clients across Manitoba
We work with clients across the province, from Winnipeg to Brandon and everywhere in between. Most consultations happen by phone or video, so where you are in Manitoba does not matter. What matters is getting advice from someone who knows the Manitoba market.
Why Manitoba matters
Manitobans travel. Winter trips south, cross-border shopping, family visits. Most people assume their health coverage travels with them, but Manitoba Health covers only a small fraction of emergency medical costs outside Canada. A serious medical event in the US can leave you with bills that dwarf what the province will reimburse.
I raise this with every Manitoba client who travels, because it is one of the biggest uninsured exposures I see. For major medical events abroad, options like VUMI provide access to top hospitals with far higher limits. If you travel, let us talk about it before you need it.
Common questions from Manitoba clients
Do I need life insurance if I have coverage through work?
Group coverage through your employer is a good start, but it is usually capped at one or two times your salary, and it ends when you leave the job. Most families need more than that, and coverage you own yourself follows you wherever you go.
How much does an employee benefits plan cost in Manitoba?
It depends on the size of your team, the age of your employees, and what you include. A basic plan for a small business often runs a few hundred dollars per employee per month. We will give you real numbers for your situation before you commit to anything.
Can I get private health care in Manitoba?
Yes. Options like VUMI give you access to private diagnostics, specialists, and treatment in Canada and worldwide, with far shorter waits than the public system. It works well as a standalone solution or as an executive benefit.
Does Manitoba Health cover me when I travel outside Canada?
Only to a very limited extent. Manitoba Health reimburses a small daily amount for emergency hospital care abroad, which covers a fraction of actual costs, especially in the United States. Travel insurance handles emergencies, but for serious diagnoses and planned treatment at top facilities, I talk to Manitoba clients about VUMI’s international medical coverage.
Can I get private health care in Manitoba to avoid long wait times?
Yes. VUMI gives you access to private diagnostics, specialists, and treatment in Canada and around the world, with far shorter waits than the public system. Many of my Manitoba clients use it as a standalone solution or as an executive-style benefit. I will walk you through how it works and what it costs.
My consultations and ongoing service are free. I’m compensated by the carriers through the products I place, so my advice costs you nothing out of pocket.
If you ever need to make a claim, I help you through it. That’s part of what you get when you work with me.
Talk to us
If you want straight answers about life insurance or employee benefits in Manitoba, book a consultation. We will listen first, then advise.