CUSTOM GROUP PLANS FROM 3 TO INFINITY
Say goodbye to shopping for a new benefits plan forever!
Whether you're supporting executives, managers, supervisors, or front-line staff, we build custom group plans that evolve with your organization. From multi-tiered structures and plan classes to divisions and hybrid models, our benefits are designed to grow with you.
Built for Your Business. Designed for Your People.
We offer a full spectrum of plan types to suit your team's structure and size:
✅Experience-Rated Plans
The classic option with rates are based on your group’s actual claims history.
✅ Pooled Plans
Predictable renewals with no surprises, perfect for smaller teams.
✅ 10% Savings on Your Current Renewal
With some of the lowest commissions in the industry and a fully digital platform, we deliver more value at less cost, without compromising your benefits.
✅ Expert Guidance & Ongoing Support
Personalized, hands-on service with real-time administrative support, making benefits management simple, so you can focus on growing your business.
Prescription drug coverage
70% - 100% Coverage - Unlimited lifetime
Prescription medications are one of the most common, and costly healthcare needs. Our extended health plans provide reliable drug coverage so your team can access the medications they need, when they need them.
paramedical services
$500- $1000 per service per family member per year
✅ Massage Therapist
✅ Physiotherapist
✅ Chiropractor
✅ Acupuncturist
✅ Naturopath
✅ Psychologist / Psychotherapist / Social Worker
✅ Registered Clinical Counsellor (RCC)
✅ Registered Dietitian
✅ Speech-Language Pathologist
✅ Occupational Therapist
✅ Audiologist
✅ Osteopath / Chiropodist / Podiatrist
Each practitioner category has its own annual maximum, so your family gets the full benefit of every type of care they need.
Dental coverage
Basic, Major and orthodontics
Our plans cover a full range of dental services to keep your team smiling with confidence—today and long term.
✅ Basic Dental
Includes exams, cleanings, fillings, extractions, scaling, fluoride treatments, X-rays, root canals (endodontics), and gum treatments (periodontics).
✅ Major Dental
Coverage for crowns, bridges, inlays, onlays, implants, wisdom teeth removal, and dentures.
✅ Orthodontics
Braces for both adults and children, with up to $2,000 in lifetime coverage.
disability insurance
Protect your income with benefits of up to $12,000/month, (Based on 67% of your income)
✅ Short-Term Disability (STD)
Benefits begin immediately (Day 0) and continue for up to 120 or 180 days.
✅ Long-Term Disability (LTD)
Coverage starts after 120 or 180 days and can extend to age 65.
✅ 24/7 Protection
Covers both accident and illness, on or off the job for full peace of mind.
Because income shouldn't disappear when life takes a turn.
Life, AD&D, and Dependent Life
$25,000 - $250,000 no medical evidence required (based on group size)
Protect what matters most with essential financial security for your employees and their families. Life and accidental death coverage provides a tax-free benefit to designated beneficiaries in the event of a death—helping ease the financial burden during a difficult time.
Coverage can be a flat amount or based on employee earnings.
Higher group sizes allow for greater non-medical limits, up to $250,000 without medical underwriting
Dependent life coverage is also available to protect spouses and children
Simple. Secure. Meaningful protection.
critical illness benefit
$10,000 - $250,000 without medical Evidence (Based on Group Size)
A serious diagnosis can be life-changing—so can the right protection. Critical illness insurance provides a tax-free lump sum payment to help cover expenses during recovery, reduce financial stress, and allow your employee to focus on what matters most: their health.
Coverage includes many life-altering conditions, such as:
✅ Heart Attack, Stroke, Cancer, Alzheimer’s Disease
✅ Major Organ Transplant, Kidney Failure, Coma, Blindness, Deafness
✅ Aortic Surgery, Aplastic Anemia, Bacterial Meningitis, Benign Brain Tumor
✅ Heart Valve Replacement, Loss of Limbs, Loss of Speech, Loss of Independence
✅ Motor Neuron Disease, Multiple Sclerosis, Occupational HIV, and more
Financial support when you need it most.
Out of Province / Country Travel Coverage
Up to $5 million in coverage for trips up to 90 days.
Whether it’s for work or vacation, your employees are protected while traveling outside their home province or internationally.
This benefit provides up to $5 million in emergency medical coverage, with no pre-existing condition exclusions—a major advantage over individual travel plans.
Wherever life or business takes them, they’re covered.
Reliable, worry-free protection for unexpected medical emergencies abroad or across the country.
Health Spending Account (HSA)
A flexible, non-taxable benefit that allows you to set an annual spending limit for each employee.
An HSA lets you set an annual spending limit per employee to cover a wide range of eligible health expenses, not covered or not fully reimbursed under the core benefits plan.
Use an HSA to:
✅ Top up services where coverage is less than 100%
✅ Pay for expenses not included in the traditional plan
✅ Extend coverage once plan maximums are reached
Empower your team with choice, and give them more value, without increasing premiums.
Lifestyle / Wellness Spending Account (LSA)
Flexible, Employer-Funded Wellness Support
An LSA is a taxable benefit that allows you to set an annual maximum per employee. The funds can be used for wellness-related expenses not typically covered by traditional benefits, and count as earned income at tax time.
Use an LSA to support healthy lifestyles through:
✅ Gym memberships
✅ Ski passes & fitness classes
✅ Yoga & meditation programs
✅ Wellness apps, trackers, and more
You define the eligible expenses.
A powerful way to promote mental well-being, boost morale, and invest in your team's everyday health.
Employee & Family Assistance Program (EFAP)
Confidential, On-Demand Support for Life’s Challenges
EFAP provides employees and their families with immediate access to professional support for mental health, personal issues, and day-to-day life challenges—anytime, anywhere.
Services often include:
✅ Professional counselling and psychotherapy
✅ Crisis and trauma support
✅ Healthcare system navigation
✅ Legal and financial guidance
✅ And much more
Confidential, accessible, and available 24/7—because a healthy team starts with the right support.
Virtual Healthcare
Access to care, anytime, without leaving home
Through our trusted partners, your team can connect with registered nurses and healthcare professionals 24/7 for fast, confidential support—wherever they are.
Virtual care services include:
✅ Prescription refills
✅ Urgent care consultations
✅ General health advice
✅ Chronic condition management
✅ And much more!
Convenient. Reliable. Always within reach.
Because your health shouldn’t have to wait.
Our Traditional Providers
These are the trusted carriers we work with regularly, and they offer excellent value for most businesses.
But between you and me?
We’ve got a few lesser-known gems up our sleeve that can unlock even better rates, flexibility and digital platforms, depending on your needs.
Let’s just say... not all providers are created equal.
