M.E.F. Services Ltd. is dedicated to building, protecting and distributing resources to assist individuals and organizations through estate planning and benefit consultation. We pride ourselves on providing our clients with the best and most innovative insurance programs available. After an extensive search we have partnered with Manulife Financial to provide individual health and dental plans. These plans are ideal for individuals & small businesses that do not qualify or have chosen not to provide Group Insurance. This web site will allow you to get personalized quotes and apply on line.