Our Products

  • Pooled Benefits (Life Insurance, AD&D, Long-Term Disability, Critical Illness)
  • Short-Term Disability/Weekly Indemnity
  • Health & Dental Insurance
  • Out of Country Travel
  • Flexible Benefit Options
  • Employee Assistance Programs
  • Wellness Programs and Accounts
  • Virtual Health Options
  • Cost-Plus

  • Allows the employer to fix their employees’ benefit costs
  • Allows the employee to decide how to spend their dollars on the benefits of their choice, tax free.
  • The employer can choose to top up the HCSA coverage with traditional group benefits.
  • Incorporated Individuals can deduct Health & Dental expenses through their Corporation as a business expense.
  • Allows the employer to fix their employees’ benefit costs
  • Allows the employee to decide how to spend their dollars on the benefits of their choice, tax free.
  • The employer can choose to top up the HCSA coverage with traditional group benefits.
  • Incorporated Individuals can deduct Health & Dental expenses through their Corporation as a business expense.

  • Alternate Funding Arrangement, i.e. ASO (administrative services only or self insurance). By performing a detailed review and analysis of your current and past health and dental experience, we assess the most favourable funding arrangements that are best suited to your needs.