Benefits that actually benefit you + those you care for!
Health + Dental
Employer-sponsored health and dental benefit plans are insurance packages that cover expenses not included in provincial health care, like prescription medications, dental treatments, vision care, paramedical services (for instance, physiotherapy), and emergency travel insurance. They play a crucial role in attracting talent, enhancing employee mental and physical well-being, and managing long-term healthcare costs
Life + Critical Illness
Group life and critical illness benefits are employer-sponsored insurance packages providing financial protection through lump-sum payments upon death or diagnosis of covered serious illnesses (e.g., cancer, stroke). These plans, often cheaper than personal policies, offer tax-free, flexible funds to cover recovery, debt, or care costs.
STD and LTD
Short-Term Disability (STD) and Long-Term Disability (LTD) are group benefits providing income replacement if you cannot work due to illness or injury. STD covers short-term, immediate needs (typically 0–14 day waiting period, lasting 17–26 weeks), while LTD takes over if disability persists, often providing benefits for years or until age 65.
Group RRSPs + TFSAs
Group RRSPs and TFSAs are employer-sponsored savings plans featuring automatic payroll deductions, typically offering lower investment fees and potential employer matching contributions. Group RRSPs use pre-tax dollars for immediate tax deductions, while Group TFSAs use after-tax dollars, allowing tax-free withdrawals.
Personal Health Insurance
Provides coverage for expenses not covered by government plans, such as prescription drugs, dental care, vision, and paramedical services (e.g., massage). Plans are available for individuals, families, and retirees, often featuring options like guaranteed acceptance (no medical exams) or underwritten plans with lower rates.
Insurance Planning
Manage your financial risk by selecting appropriate coverage for life, health, and disability to protect yourself and dependents. It ensures financial stability against unforeseen events, such as illness, accidents, or premature death, through products like term life, permanent life, critical illness, and personal health insurance.
Retirement Planning
Determining how much you need for retirement, when andhow to start saving and how inflation may affect your retirement.
Key Person Insurance
A life or disability policy owned by the company on a key employee or partner, providing cash flow to manage the business or complete a buy-sell agreement if they die.
Buy-Sell Agreement
Using life insurance proceeds to fund the purchase of a deceased partner’s shares, ensuring business continuity.
Corporate Retirement + Investment Planning
Corporate retirement strategy provides a corporation with valuable life insurance protection on a key person or shareholder and the opportunity to access policy values tax-free immediately or in the future.
Let’s Talk!
We can’t wait to learn more about you and your business…
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