Employee Benefits

Benefit Plans

We are an Employee Benefit Plan Wholesalers and have a competitive pricing advantage compared with any independent benefit broker – most are simply retailers.

We buy in bulk and pass the savings to our clients. Our promise is to lower your premium in a sustainable way without compromising your benefit levels. Guaranteed!

The same rich Employee Benefits Plan you currently have at a Lower Cost – and friendly service.

Small and medium sized companies benefit from our `large block` wholesale concept. You will enjoy the benefits of bulk buying by leveraging our hundreds of corporate clients. You enjoy the advantage and influence of a large business with many employees.

The Rising cost of employee benefit plans is alarming.


A company with fewer than 100 employees means the insurance company will charge more to operate your benefit plan.

Target Loss Ratio (TLR) is an important pricing factor that tells you the administrative load on your benefit plan.  Our volume buying program lowers the administrative cost (TLR) of operating your plan.  We get you the same benefit levels and coverage you currently have but at a lower premium.

As a wholesaler we buy a large volume from the insurance companies at much lower rates than an individual broker and pass savings along to our clients.

Your Company is seen as a part of our large group benefit program and priced accordingly with smaller margins.

With our large block structure the Insurance Carrier takes less margin on the larger group and everyone benefits.  Depending on your current situation – the savings could be as much as 25%.

It’s FREE to compare and there’s no obligation to make a change.

Our Group Benefit Advisors will review your existing plan with no obligation to you. We’ll either reinforce the advice your currently receiving from your broker and you can be sure you’ve made the right benefit plan decision – or you may learn how buying better can save your company a lot of money.

Ensure more of your premiums are spent on your people and remain sustainable for years into the future.

Same benefit levels you have now for your employees – lower group insurance premiums.

With our volume buying program, we will always have a lower sustainable price than you can get with most Brokers.

Our value proposition is this simple:

Experience – 100’s of Group Benefit Plans and growing.
Price – volume savings up to 10% & rate guarantees 4-6 years
Service – treating people as we’d like to be treated.

Our Employee Benefit Advisors serve all of Ontario, Alberta, British Columbia & Quebec.

Contact our Toronto Office to set up a no obligation discovery appointment or call +1 647.389.5105.

Life Insurance & Employee Benefits

Our advisors take pride in finding the right coverage for each customer.

As independent brokers we work for you - NOT the insurance company.

To get reliable life insurance advice and a competitive quote involves more than just asking a couple of questions. Sure, we're happy to give you a survey of rates from all companies but the real value in working with us is knowing which companies are the best for each unique situation. Not all life insurance policies or companies are the same, some are better (and worse) depending on the situation. Our advisors take great pride in the accuracy of their advice which really means making sure the policy you get is for the coverage you really need. This means ensuring you’re not paying too much or getting too little. That’s why we’re here… you will get the best quote available in the Canadian Insurance market from a licensed professional ready to answer your questions and guide you through the process. We'll help you at your pace and make the experience comfortable and easy.