Benefits for the whole group - at highly competitive prices.
Group insurance benefits represent a significant financial obligation to the plan sponsor while playing an important role, alongside government-sponsored benefit programs, in providing for the well-being of employees and their families.
If you run a small business, a benefits plan from our partners will help you compete for talent, giving quality recruits a meaningful incentive to join you. Once they’re hired, our coverage and quality service can result in happier, healthier, more productive employees. And if your business is growing, a group benefits plan grows right along with you.
Our Group Insurance Benefits Program has been specifically designed for the needs of smaller, independent Canadian businesses:
– Competitive, comprehensive benefits at an affordable price
– Trouble-free day-to-day administration and ongoing support
– Fast and Fair claim services, pre-authorized debit service for paying premiums
GUARANTEE TO ISSUE INSURANCE
Basic insurance for those who just need the minimums.
Some companies specialize in offering guaranteed issue life insurance. They could issue life insurance policies with no required physical exam. Typically, the companies do require the insurance applicant to answer questions that may lead to denial of coverage. However, there are companies that will offer coverage with no exams and no questions.
Generally, this type of policy will only cover funeral expenses. We have some insurance plans which allow giving coverage up to $50,000 (conditions apply). These policies also tend to have high premiums, which can end up exceeding the benefit amounts. Main features include: Coverage for pre-existing conditions. There is no medical questionnaire.