Why deal with us?

 
We deliver specialized consulting and service on group benefit and pension plans.

  • Expert plan design, evaluating both traditional and self-funded options
  • Value based renewal negotiations
  • Effective service advocacy
  • Flexible and efficient administration   
We are independent consultants, working together to make sure our client's needs are immediately and effectively addressed.

 
Group Benefits:  
  • We have a deep understanding of where the insurance industry makes their profit, and where you can save while offering your employees competitive benefits and retirement savings.  
  • We work with clients who want to understand what they are paying for, and why.  If you are that kind of client, we can put our knowledge to work for you. 
  • Our products work together to provide more value, usually for less money than you are paying now.
 
Our Specialization:

Over the last decade the insurance industry consolidated, which resulted in fewer carriers offering less choice to our clients.  To counteract this, we have developed specialization in self-funded insurance programs.  This option often results in our being able to offer improved coverage levels and lower overall cost to our clients. 
 
Self-funded programs using a Third Party Administrator employ a best of breed approach to plan design that is specific to our client’s needs and budget.  Risk is mitigated using stop-loss insurance to protect against unusually high individual or collective claims.  On-going flexibility is assured because individual carriers can be changed and the change is seamless to employees.  We have excellent working relationships with the senior management of Canada’s most experienced third party administrators.  We also work with all of the traditional insurance carriers, to ensure that our client's have a full range of choice for traditional, self-funded, or hybrid plan design.
 

Pension Plans:  

We are knowledgeable brokers of pension plan programs that comply with transparent administration and governance guidelines.  
We placed one of Canada’s largest privately funded pension plans with the carrier who was best able to administer the plan under current governance guidelines. 
 
Financial Planning:  

Early in our careers as independent insurance brokers we focused on individual financial planning.  This background is particularly useful for assisting our clients with executive top-up options like critical illness insurance or key man life insurance.
 
References:  

We have great clients who are happy to provide references when required.