Personal Insurance
At Bill Blaney Insurance we recognize that the many different stages in life present different insurance needs.

We can help assess where you are and where you need to be covered and how to adjust for the unexpected.

For information about life insurance coverage, please click to our life Insurance page under the "insurance key" on the side menu.
Personal Umbrella Liability
The Personal Umbrella Liability that we offer is designed to protect you for sums you are legally liable to pay due to bodily injury and property damage to others, over and above the liability limits of your principal policies. In addition, this coverage can include extra for personal injury such as libel and slander or false arrest, which is not usually not provided under your principal policy.
Lifecheque - Because recovery will be your first priority
Manulife Financial Lifecheque is a unique kind of insurance. Its focus is on life. Getting sick isn't something any of us like to think about. But it happens. If it does, thanks to improvements in healthy living and medical science, there is a good chance you will recover and get on with your life. In fact statistics from the Heart and Stroke Foundation of Canada, 2001show that:
  • More than 90% of peope who have their first heart attack recover
  • Seventy five per cent of people who have a stroke survive the initial incident
  • Cancer treatment continues to become more targeted and more successful.

    Manulife's 4 different Lifecheque plans provide benefits from $25,000 to $2,000,000. Depending on the plan you choose, if you're diagnosed with (and survive the waiting period for) any of the following illnesses (*), you will receive a lump sum payment. The waiting period is 30 days in most cases.
  • Heart Attack
  • Coronary Artery
          Disease requiring
           surgery
  • Cancer
  • Stroke
  • Multiple Sclerosis
  • Kidney Failure
  • Coma
  • Major Organ
           Transplant
           Recipient
  • Paralysis
  • Severe Burns
  • Deafness
  • Blindness
  • Loss of Limbs
  • Occupational
          HIV Injury
  • Motor Neuron
          Disease (ALS or
          Lou Gehrig's
           Disease)
  • Parkinson's Disease
  • Alzheimer's Disease
    • *Restrictions may apply. Your advisor can provide a complete list.

    • Senior
    Security
    Senior Security is for seniors aged 55 to 75 who:
  • are concerned about having a medical
  • wish to leave a small legacy to church, grandchildren or other worthy cause
  • wish to ensure that there are no upaid bills left for loved ones
  • want to pay for probate fees, legal fees or Executor's fees which arise upon death


    • The Senior Security Plan is a Guaranteed Issue Plan with just 4 non-obtrusive qualifying questions:
    1. Within the last two years have you had a Stroke, Heart Attack or had Heart Surgery?
    2. Within the last three years have you consulted a physician for, or received treatment for cancer?
    3. Within the last three years have you been declined for insurance by Wawanesa Life or any other insurer?
    4. Have you been diagnosed, treated for, or had any indication of AIDS or AIDS related complex?