Product Solutions    Benefits for your business.


With experience working in Employee Benefits Sales, Marketing, Underwriting, Account Management & Business Development we know the right things to look for, the right questions to ask and how to get results.

Basic Products

Group Life Insurance
Group life provides financial assistance in the event of the plan member's death. The plan sponsor may choose a flat benefit amount or a percentage of salary.

The rates are revised annually (yearly renewable term) and are based on the demographics of the group.

Group Accidental Death & Dismemberment (AD&D)
The Accidental Death & Dismemberment (AD&D) benefit that can be sold in conjunction with life insurance coverage. AD&D provides protection in the event that a plan member incurs a loss, or loss of use of: life, limb, sight, hearing, and/or speech due to an accidental injury.

The amount of coverage is usually equal to the amount of life insurance selected by the plan member.

Group Dependent Life Insurance
Available only to the spouse and dependent children of an employee. Dependent life insurance provides a benefit in the event of the death of a plan member's spouse or dependent children.
Group Short-term Disability (STD)
(Also referred to as WEEKLY INDEMNITY or WI)

The Short-Term Disability or Weekly Indemnity benefit is designed to compensate an employee for income lost as a result of short-term absences from work from an accident or sickness.

Group Long-term Disability (LTD)
(Also referred to as MONTHLY INDEMNITY)

Long Term Disability coverage provides income when an employee is disabled and unable to perform the duties of his or her own occupation.

Group Extended Health Care
Extended Health Care Benefits (also referred to as major medical benefits) are designed to supplement existing provincial health care plans by helping plan members and their dependents pay for medical expenses that are not covered by the provincial plan.

Extended Health Care Benefits can be divided into several categories which include:

  • Drug Coverage
  • Medical Supplies and Equipment
  • Hospital Coverage
  • Out of Province/ Country Coverage
  • Other Health Care Benefits
Group Dental Care
Dental Care Benefits provide comprehensive dental services and supplies for plan members and their eligible dependents. The type and scope of dental services covered under a dental plan varies; dental care services are generally grouped into the following categories:

  • Preventative
  • Basic
  • Endodontics
  • Periodontics
  • Major Restorative
  • Orthodontics

Optional Products

Optional Group Life Insurance
The optional life benefit allows employees to supplement the life insurance coverage provided by their benefit plan. Option life coverage can be available to employees only or to both the employee and his or her spouse. Some insurers also offer optional life coverage to dependent children. Medical evidence is required and coverage typically ceases at age 65 or the employee's retirement. Rates are usually based on age bands (e.g. 40-44, 45-49, etc.), gender and smoking status.Premiums for optional life coverage are paid by the employee.
Optional Group Accidental Death & Dismemberment (AD&D)
Optional AD&D coverage provides an accidental death benefit typically equal to the employee's optional life amount.
Vision Care
A health care plan which covers routine eye examinations, and which may cover all or part of the cost of eye glasses and lenses.
Critical Illness
Critical illness provides a lump sum benefit payable to an employee who survives after a covered illness or injury has occurred. It provides financial resources that allow the employee to adjust to the changes in their lifestyle that will result after having suffered a critical illness or injury and helps the survivor deal with the financial demands of recovery.
Health Care Spending Accounts (HCSA or HSA)
A Health Care Spending Account (HCSA), also known as a Health Spending Account (HSA), is an individual employee account that provides reimbursement for eligible health care expenses or other benefits that are not covered under provincial health insurance plans or other benefit plans sponsored by the employer. A Health Spending Account can be implemented on a stand-alone basis within a traditional benefit plan or part of a flexible benefits plan.

Spending accounts can sometimes be the answer to situations where an employer wants to give employees increased involvement and more choice in their benefits while also limiting its financial responsibility. A Health Spending Account is an easy, tax-effective way to offer health and dental benefits choice and self-service to plan members.

Administrative Services Only Program (ASO)
An arrangement where an organization will perform specific administrative functions relating to health care programs such as claims processing for self-insured groups or third party providers/payers for a fee.

An ASO plan enables large employers to assume the costs of their health insurance, dental care and short-term disability insurance benefits.

Group Retirement Plans
  • Group RRSPs
  • Deferred Profit Sharing Plans
  • Defined Contribution Pension Plans
  • Retirement Compensation Arrangement (RCAs)
  • Individual Pension Plans (IPPs)

A plan that provides a vehicle to allow an employee save for retirement and defer taxable income.