Supporting Your Team and Strengthening Your Business
Attracting and retaining talent has never been more important for Canadian employers. A strong group insurance plan helps protect employees, boosts morale, reduces turnover, and supports a healthy, productive workplace. It’s one of the most valued benefits any business can offer—and one of the most affordable ways to invest in your team.
Our firm helps employers across Quebec and Ontario choose, customize, and manage group insurance solutions. We work independently with leading providers such as Sun Life, Canada Life, Manulife, Desjardins, iA Financial, Beneva, and others, ensuring plans meet provincial guidelines and follow AMF and FSRA standards.
What Is Group Insurance?
Group insurance is a benefits package offered by employers to protect their employees and their families. It typically includes a combination of health, dental, disability, and life insurance options.
Plans are customizable and can be designed for:
• Small businesses
• Mid-sized organizations
• Large companies
• Professional corporations
• Associations and member groups
Group benefits support employee well-being and provide financial security during illness, injury, or unexpected life events.
Why Canadian Employers Offer Group Insurance
A well-designed plan helps:
• Attract and retain skilled employees
• Reduce absenteeism and support quicker return-to-work
• Increase employee loyalty and satisfaction
• Protect employees from high medical or dental expenses
• Provide essential income protection during disability or illness
• Enhance your company’s reputation as a caring employer
In today’s competitive environment, group benefits are often just as important as salary.
What’s Included in a Group Insurance Plan?
Major insurers—Sun Life, Canada Life, Manulife, Desjardins, iA Financial, Beneva, and others—offer flexible options that can be tailored to your company’s needs and budget.
Most plans include a combination of the following:
1. Health Insurance
Coverage may include:
• Prescription drugs
• Paramedical services (massage, physio, chiro, etc.)
• Vision care
• Emergency medical travel insurance
• Hospital care
• Mental health services
2. Dental Insurance
Options may include:
• Basic dental care (exams, cleanings, fillings)
• Major dental care (crowns, bridges, dentures)
• Orthodontic care (for eligible plans)
3. Life Insurance
Provides financial protection for employees’ families in case of death.
Employers may also add:
• Spousal and dependent coverage
• Optional top-up insurance for employees who want additional protection
4. Disability Insurance
Helps replace a portion of income when an employee cannot work due to illness or injury.
• Short-term disability (STD)
• Long-term disability (LTD)
Disability coverage is one of the most valued aspects of a benefits plan.
5. Critical Illness Insurance
Provides a lump-sum payment if an employee is diagnosed with a covered serious illness such as cancer, heart attack, or stroke.
6. Health Spending Accounts (HSA)
Flexible, tax-efficient accounts that give employees control over their health-related spending.
7. Employee Assistance Programs (EAP)
Confidential support for personal, financial, mental health, and family challenges.
Group Insurance in Quebec vs Ontario
There are some provincial differences:
Quebec
• All residents must have prescription drug coverage (public or private).
• Employees offered a private plan must generally enroll.
• RAMQ rules affect how drug coverage is designed.
Ontario
• Group insurance is voluntary but widely used.
• Plans work alongside OHIP and employer needs.
We guide employers in both provinces to ensure full compliance with regulatory standards.
How Much Does Group Insurance Cost?
Costs depend on factors such as:
• Number of employees
• Ages and demographics
• Industry and location
• Coverage levels
• Claims history
• Optional benefits selected
Small businesses are often surprised at how affordable group benefits can be—especially with flexible benefit design and cost-sharing strategies.
We help employers structure plans that balance cost control with strong coverage.
Why Employers Choose Us
As an independent advisory firm, we:
• Compare plans from multiple insurers
• Build customized benefit packages
• Manage employee enrollment and support
• Provide renewal analysis and cost-control strategies
• Ensure compliance with provincial regulatory bodies
• Help optimize coverage based on your workforce’s needs
Our goal is to make group insurance simple, sustainable, and valuable for both employers and employees.
Strengthen Your Workplace With a Protection Plan That Works
A strong group insurance plan shows your team that you care about their health, stability, and future. It supports retention, reduces stress, and helps employees thrive—both personally and professionally.
If you’re considering group benefits for your business or want to review your existing plan, we’re here to help.
Book a consultation with us to explore group insurance solutions and receive a customized plan for your workplace.
