Overview
Starfish & Teacups Travel (SATT) has an exclusive partnership withManulife Financial(Manufacturers Life Insurance Company) for selling travel insurance, providing the best coverage options for our customers.

Agent Setup

Upon joining SATT, each Agent is set up with a Manulife branch.

Training Requirements
All agents whohave not previously sold Manulife insurance must complete trainingthrough Manulife’sManuversity. 
To get access, please email crystal@starfishandteacupstravel.com to receive your Manuversity login.

Insurance Booking Portal
An insurance booking link is available for your clients to book their own policies directly. (This link is also featured on our Agency website)
*Note that this feature may be unavailable for clients in Quebec (QC) and Saskatchewan (SK).

You can additionally book insurance yourself through the Igoinsured portal.
*Please note if you are not eligible to sell insurance (you have not completed the exam, obtained a certificate, etc, based on your provincial requirements) you will not be able to book insurance on the portal and are not legally allowed to sell insurance.

Provincial Licensing Requirements
SATT has researched the licensing process for selling insurance based on your province or territory. 
Most regions require passing an exam, obtaining a license, or having a certificate before you can legally sell travel insurance. 
Below are the requirements by province:

• Selling Within Your Province: Your license allows you to sell travel insuranceonlyto clients residing in your licensed province.

• Selling Outside Your Province: To sell to clients outside your licensed area, you must obtain a license in the client’s province as well.

Compliance Responsibility
As per your SATT contract, you are responsible for keeping your license valid, updating information, and completing mandatory training/exams. 
SATT and Manulife conduct audits to ensure compliance.

Violations such as selling outside your licensed province or without a valid license can result in:

• Revocation of access to sell travel insurance
• Commission recalls
• Responsibility for any incurred fines

 

 

To sell insurance to a client residing outside your licensed province, you must:

1. Be licensed in your home province.
2. Obtain a license in the client’s province.

Licensing procedures are often similar across provinces but may have minor differences.

If obtaining a license is not feasible, you can still offer options to your clients without directly selling or advising on travel insurance.
If your client purchases insurance from one of these options, you will still earn a commission.

These options include:

1. Sharing the link with your client so that they can purchase insurance on their own.

   If you are not licensed, you cannot advise your client which policy to book or book them yourself. 
   However, you can let the client know that although you are not able to advise on/book insurance because you are not licensed in their province, that they can use your link for more information on insurance and to purchase it themselves.

2. Referring your clients to book directly:

   You can direct your client to book directly with Manulife and still receive recognition for the booking. 
   You will receive the commission for the policy less a 15% referral fee.

   ➢ Save this “Referral Slip” > ClickHEREto download
   ➢ Once you have downloaded the slip add your Agency Code (STARTEA) and your User ID to the slip (you can save this to your computer for future use as well)
   ➢ Send the slip to your client where they can call or email Manulife for a quote. You should let them know that you would love to offer them insurance however, as you are not licensed to sell insurance in their province, they can book direct or get a quote with Manulife

   ➢ You can also contact Manulife yourself to ask them to book the insurance. 
   Please have ready the following information  
   ▪ Customer Name 
   ▪ Date of Birth 
   ▪ Contact Email & Phone 
   ▪ Travel Destinations & Dates 
   ▪ The non-refundable amount 
   ▪ Your Agency Code (which you use to sign into Igoinsured) 
   ▪ Your User ID (which you use to sign into Igoinsured)

3. Refer your clients to the Manulife LIA team:

   Manulife LIA is a team made up of Licensed Insurance Advisors. 
   These advisors are experts in insurance and licensed in multiple provinces. 
   The LIA team have a response time of 24-48 hours and a 60% close ratio on insurance quotations. 
   Manulife LIA operate Monday to Friday (8AM-8PM ET) and Saturday (10AM-5PM ET).

   ➢ You can call the LIA referral line on 1-888-220-5212 or have your client call directly  
   ➢ You can send an introduction email to the LIA team at travel_referral@Manulife.ca 
   *NOTE: We highly recommend to send an introduction email on your client’s behalf to the LIA team. The reason for this is because you are still providing a service to your client and they are more likely to confirm the policy if the wheels have been set in motion.
   ➢ When you contact the Manulife team to ask them to book the insurance, you can provide them with the following information for your clients:  ▪ Customer Name 
   ▪ Date of Birth 
   ▪ Contact Email & Phone 
   ▪ Travel Destinations & Dates 
   ▪ The non-refundable amount 
   ▪ Your Agency Code (which you use to sign into Igoinsured) 
   ▪ Your User ID (which you use to sign into Igoinsured) 
   ➢You will still need to invoice the booking in ClientLinq to receive commission
   ▪ You will be able to view if an insurance policy has been successfully confirmed by an LIA agent but searching for insurance policies in your Igoinsurance portal.  
   ▪ You can view this by heading to policy search and the Agent ID will show as the ID of the LIA agent who confirmed the policy.

   Helpful Tip: Here is an example of how to refer your clients to Manulife in a professional way!

   “As your travel professional, I highly recommend the purchase of travel insurance and the many benefits it offers. Unfortunately, I am not licensed to sell travel insurance in your province of residence; however, I can offer you alternative ways to purchase insurance

Alberta

• Requirements: Agents must obtain a license through the AIC and secure E&O insurance through National Brokers.
• Submit: A copy of your insurance license to accounting@starfishandteacupstravel.com

• Costs:

  • Insurance License: $150 (valid until June 30th annually)
  • E&O Insurance: $300-$400 annually (for Manulife-only sellers)

British Columbia

• Requirements: Complete the ACTA BC Travel Insurance course and exam.
• Submit: A copy of your pass mark to accounting@starfishandteacupstravel.com. 
  If transferring from another agency, submit theInsurance Council of BC Cancellation of License Form.
• Costs:
  • Exam: $65
• Useful Links:
  • ACTA Exam Information