Employee Benefit Plans

Aiding in the attraction of employees, this is an invaluable component of your total compensation package. We will design and implement a cost effective benefit plan and provide ongoing support in the management of the program.

Group Retirement Plans

A group Registered Retirement Savings Plan or Deferred Profit Sharing Plan assists with retention of valuable employees while helping them attain their retirement goals. In addition to implementing the retirement program, we will provide ongoing communication to your employees assisting with legislation compliance.

Critical Illness

Each year more than 350,000 Canadians are hospitalized for heart disease or stroke.* Almost half of all Canadians will develop cancer in their lifetime.** The survival rates of people who suffer a critical illness have dramatically increased however, significant costs can occur along with recovery. Critical illness insurance can help ease that financial burden.

Source: *Heart & Stroke Foundation; **Canadian Cancer Society

Executive Benefits

Reward management is a key factor when designing your Executives overall compensation package. Adding supplementary benefits, such as Health Spending Accounts, allow extensive medical costs to be considered a pre-tax expense. Wellness Accounts and immediate access to MRIs and CT Scans are attractive incentives as well.

Individual Life Insurance

Term or permanent life insurance offers protection to those who matter most to you by removing the financial risk left behind when you die. We’ll help determine the best solution based on your own needs.

Individual Long Term Disability Coverage

1 in 3 people, on average, will be disabled for 90 days or longer at least once before age 65.* Various comprehensive income replacement options are available to protect your future earnings should you become disabled from illness or injury and unable to work.

Source: *Great-West Life

Key Person Insurance

Your business has key employees that are crucial to the company's success and profitability. You can purchase corporate-owned life or disability insurance for those key people to assist with meeting expenses and the loss in revenue in the event they become disabled or die.

Buy/Sell Plans

Buy/sell agreements are designed to provide the funds to enable your business or the business owners to purchase the shares of a shareholder or partner upon total disability or death. Life insurance is frequently utilized to fully fund the buy/sell agreement. Corporate owned disability buy-out insurance can be considered in order to address the funding requirements when total or permanent disability is outlined as a triggering event.