Employee Benefits Consulting

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Plan Design Review

We work closely with you to design a benefits plan that is comprehensively tailored to the needs of your group. We make you aware of all of the options available to you and make recommendations to ensure the long-term sustainability of your plan.


If you have a current plan in place, we will  perform an in-depth review to identify areas to save on your costs and improve on the value of your program.

Marketing Survey

We represent all major benefit providers in Canada and have preferred broker status with many carriers. We work for you, providing a non-bias comparison of the options that are available. We highlight the unique features offered by each provider and identify where you will find the very best cost and value in your coverage. We will routinely market your plan as often as required so that you can be confident you have the best plan for your group as it continues to grow and evolve.

Renewal Negotiations

We negotiate every renewal on your behalf to ensure that your carrier is providing their very best rates possible. We provide detailed explanations of the renewal process and experience reporting. Working on your behalf, we ensure that renewals are fair and that your plan meets your continued satisfaction. 

Full Service Plan Management

Administrative Assistance

Administrative Assistance

Administrative Assistance

 We act as a single point of contact for you and your employees for prompt, responsive and personalized service. We assist with every aspect of the day to day management of your plan, including additions, terminations and changes. We answer questions from management or employees, pre-fill forms and contact service providers to save you time.

Claims Assistance

Administrative Assistance

Administrative Assistance

 We will assist with any claims that may be declined or delayed, getting involved to ensure that the issue is resolved to your complete satisfaction. We assist with things like Fair Phamacare and Drug Prior authorization to ensure claims are paid with no issues. 

Custom Communication

Administrative Assistance

Custom Communication

 We will create any communication material that is helpful to your employees in describing their coverage and submitting claims. We will brand communication to ensure a seamless plan and promote loyalty to your organization. 

Routine Reporting

Website Integration

Custom Communication

 We provide detailed claims experience reporting to identify areas of high usage and make recommendations to ensure your plan remains sustainable. We can provide separate reporting for various locations and 'benchmark' reporting to make you aware of how your plan stacks up with similar size companies in your industry. 

Website Integration

Website Integration

Website Integration

 We can create a secure website portal so that Application forms, Claim forms and Brochures can be easily accessed by members wherever they are. 

Employee Meetings

Website Integration

Website Integration

 We are accustomed to travel and welcome the chance to meet personally with your management and employees at your location to discuss your plan and answer any questions that may arise.

Group Retirement SAVINGS Solutions

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Group Retirement Savings Plan Design

We assist with implementing retirement income savings plans. We will help you consider all aspects of your program, such as:


  • Participation Requirements
  • Contribution matching formulas
  • Withdrawal Privileges
  • Vesting requirements
  • Voluntary and Spousal Contributions
  • Fund Selection
  • Flexibility

Group Retirement Plan Management

We provide full service management of your plan, including:


  • Custom Communication
  • Additions and terminations
  • Monthly Contribution uploads
  • Quarter PAR reporting

Personal Insurance

Travel Insurance

Extra Life Insurance

Extra Life Insurance

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  Individual Travel Insurance can be purchased on a daily plan, or to top-up existing coverage through your group benefits plan. Travel Insurance can also be purchased as a Multi-Trip plan with a certain number of days covered for trips throughout the year. Specialty Travel Insurance can be purchased if you plan on participating in extreme sports while travelling.

Extra Life Insurance

Extra Life Insurance

Extra Life Insurance

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  Individual coverage can be purchased for amounts that are over and above what is offered through your group benefits plan. Coverage can be for business needs or for personal needs, such as, a mortgage.

Buy-Sell Funding

Key Person Coverage

Key Person Coverage

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 Buy/sell agreements provide for the transfer of the ownership of the business in death, disability, retirement or disagreement. At death or disability, the remaining owners may not want to be in business with the deceased owner's heirs or the non-active disabled owner.   

Key Person Coverage

Key Person Coverage

Key Person Coverage

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 Your business can purchase corporate-owned life insurance on key people. In the event of their death, the business receives a tax-free death benefit which it can use to meet expenses and repay debts, thereby easing the fears of creditors.