Benefits for your people. Protection for your business.
Group benefits, health spending accounts and business protection, built around how your organization works, alongside your accountant and lawyer.
- Plans for any size
- from owner-only companies to growing teams
- Your plan, managed
- renewals and changes handled with you
- Built around your structure
- owners, key people and employees
What fits your organization
Your size and structure decide
Most of these solutions assume an incorporated business or a registered non-profit. Beyond that, what fits depends on how many people you have, how you’re organized and who you depend on.
- Usually a fit
- Sometimes
- Rarely useful
| Owner only | Small team | Larger team | Non-profit or charity | |
|---|---|---|---|---|
| Your team | ||||
| Employee group benefits | Rarely useful | Sometimes | Usually | Usually |
| Health spending accounts | Usually | Usually | Usually | Usually |
| Lifestyle spending accounts | Rarely useful | Sometimes | Usually | Sometimes |
| The business | ||||
| Key person insurance | Rarely useful | Usually | Usually | Sometimes |
| Buy-sell insurance | Rarely useful | Usually | Usually | Rarely useful |
| Business overhead expense insurance | Sometimes | Usually | Sometimes | Rarely useful |
| You as the owner | ||||
| Business-owned life insurance | Sometimes | Usually | Usually | Rarely useful |
| Business-owned disability insurance | Sometimes | Usually | Sometimes | Rarely useful |
Your team
- Employee group benefitsUsually: Larger team, Non-profit or charitySometimes: Small team
- Health spending accountsUsually: Owner only, Small team, Larger team, Non-profit or charity
- Lifestyle spending accountsUsually: Larger teamSometimes: Small team, Non-profit or charity
The business
- Key person insuranceUsually: Small team, Larger teamSometimes: Non-profit or charity
- Buy-sell insuranceUsually: Small team, Larger team
- Business overhead expense insuranceUsually: Small teamSometimes: Owner only, Larger team
You as the owner
- Business-owned life insuranceUsually: Small team, Larger teamSometimes: Owner only
- Business-owned disability insuranceUsually: Small teamSometimes: Owner only, Larger team
Self-employed and not incorporated?
We’d look at your coverage as an individual. Sole proprietors fall under different tax rules for health spending accounts, with conditions, so speak with your accountant. Individuals and families
Supporting a charity?
We also help donors give life insurance policies to charities. Contact us and we’ll help you plan it.
A general guide. Every organization is different, and what fits depends on your size, structure and the people you depend on.
Solutions
Find the right solution
Your team
- Employee group benefitsHealth, dental and other benefits that help you attract and keep good people.
- Health spending accountsA tax-effective way for the business to pay for health and dental costs, for owners and employees.
- Lifestyle spending accountsA taxable allowance employees spend on their own wellbeing, for organizations focused on attracting and keeping talent.
The business
- Key person insuranceProtects the business if it loses someone whose skills, contacts or sales it depends on.
- Buy-sell insuranceFunds an agreement between co-owners, so the business and each owner’s family are protected if one dies or becomes disabled.
- Business overhead expense insurancePays fixed costs such as salaries and rent if the owner can’t work because of illness or injury.
Engineers, geoscientists and technologists: your association gives you access to the Engineers Canada Business Overhead Expense plan.
See the planHow we work
We work for you, not the insurer. Here’s what that looks like.
- We learn your organizationYour people, ownership, key roles and what you’re trying to protect. Before any recommendation.
- We match the right solutionWe recommend what fits your size and structure, without paying for more than you need, and explain our reasons in writing.
- We manage it with youRenewals, changes and employee questions handled with you, and we’re in your corner when someone needs to claim.
Learning Centre
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- Business-owned life insurance4 minute readKey considerations when purchasing corporate insuranceEssential considerations for purchasing corporate insurance, including beneficiary selection, creditor protection, and strategic planning, to maximize the benefits and minimize the risks for your business.
- Health spending accounts5 minute readHealth spending accounts: should your HSA be separate from your group benefits plan?When it makes sense to keep a health spending account with your group benefits plan, and when to set it up separately.
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.