Instant Life Quotes

Benefits Plans

We are an Employee Benefit Plan brokers and we do things a little differently than most.   We create a buying advantage for our customers through bulk buying and pass those savings along to our clients.

Our promise is to lower your premium in a sustainable way without compromising your benefit levels.

The same rich Employee Benefits plan you currently have at a sustainable lower cost – and friendly service.  The bottom line is that more of your insurance dollars will be going to your employees.

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 same advantage and influence as 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 – the TLR can be as low as 65% for some small groups.

This TLR is the mark up of a group plan – a 65% TLR means there is a 35% load to operate your 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.

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 prices 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 will either reinforce the advice you’re currently receiving from your broker and you can be sure you have 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 benefit plan premiums are spent on your people and remain sustainable for years into the future.

Same benefit levels you have now for your employees – lower employee benefits premiums.  Our program will always have a lower sustainable price than you can get with a Broker.

Our employee benefits plan value proposition is this simple:

  • Experience – hundreds of employee benefit plans and growing.
  • Lower Price – with volume savings, up to 25% less for the same employee benefits plan.
  • Superior Service – by treating people as we would like to be treated… we have our own administrative staff to help you every step of the way.

From a small owner operator to a large multi-employer, you can count on us for professional advice and support every step of the way.

Our Employee Benefits Consulting & Management Services:

  • Annual review of benefits relative to industry trends.
  • Independent Audit of your existing plan.
  • Contractual negotiation with insurers and tendering of group insurance contracts.
  • Cost containment strategies and alternative funding methods.
  • Employee educational seminars.
  • Plan administration support.

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

Call us Toll Free at 1.888.498.5288