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Benefit Plans

Pick and choose the benefits that help promote and protect the health, wealth, and happiness of your employees.

Independent group-focused Advisors are here to help.

We partner with a network of knowledgeable, trusted independent benefit professionals from across Canada who work with you to design the best employee benefits plan for your business.

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Promote &

4 in 5 employees want employee benefits more than a pay raise. Attract and retain top talent by offering your employees a benefits package that promotes the use of services that maintain a state of health, wealth, and happiness, while still protecting an employee if any of those states should become compromised.

Health, Wealth and Happiness matrix GIF, with various insurance benefits.
Health, Wealth and Happiness Matrix


Catastrophic Drug Coverage

Limit the risk of large drug claims hitting your benefits plan by setting a stop-loss threshold. Claims exceeding this threshold do not negatively impact your plan.

Hospital Coverage

Ensure privacy in a public hospital and cover the difference in cost between standard accommodation and private- or semi-private accommodation.

Accidental Dental

Protect employees from unforeseen (and often expensive!) dental injuries as a result of an accident.

Paramedical Coverage

Access to paramedical practitioners, including massage therapists, chiropractors, and physiotherapists.

Dental Coverage

For all your typical dental needs. Whether you need a dental cleaning or major restorative surgery, dental insurance has you covered.


Cover the cost of eye exams and new or replacement contact lenses and glasses.


Reduce the stress and strain on the body with proper foot alignment through custom orthotics.

Medical Items

Provide coverage for medically necessary items to help assist with mobility or correct a medical condition.

Health Care Spending Account (HCSA)

Choose a dollar amount to offer employees to provide coverage for eligible health and dental expenses. A good option for cost-containment.

Travel Insurance

Be prepared in case of emergency medical costs while travelling within Canada or abroad.

Diagnostic Specialist Access Insurance (DSAI)

Access the care you need when you need it. Skip the line for an MRI, CT scan, or specialist appointment and get treatment faster.

Telehealth Services

Access healthcare professionals remotely without ever leaving your home. Schedule appointments and interact with health professionals through your webcam or phone.


Life Insurance

Provide financial assistance to an employee’s family in the event of a covered employee’s death.

Critical Illness

Nearly 1 in 2 people will develop cancer in their lifetime. Provide financial support to protect employees and their families from the unforeseen expenses that come with a life-altering illness.

Disability Insurance

Protect your employees from income loss if they become disabled and cannot work. We offer both short term disability and long term disability insurance.

Accidental Death & Dismemberment (AD&D)

Provide financial assistance to an employee’s family in the event of bodily harm as the result of an accident.

Business Assistance Program (BAP)

Offer business owners the ability to resolve business dilemmas by accessing experts who can provide legal, human resource, and financial expertise.


Personal or Wellness Spending Account (PSA/WSA)

Offer employees additional coverage for health and wellness items, like eldercare or gym memberships.

Employee Assistance Plan (EAP)

Help your employees manage personal and work-related problems with a confidential, short-term counselling service.

A benefits plan designed for you!

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