Programs Offered

Our group insurance programs are divided into two categories: Core Plans, providing benefits that cover most situations, and Add-Ons, which optimize coverage by meeting more specific needs.

Core Plans

Life Insurance

Basic Life Insurance | Accidental Death & Dismemberment

  • Flat amount or percentage of annual earnings
  • No medical evidence required
    Dependent Life Insurance (spouse/children)


Disability Insurance

  • Short or Long Term (to age 65)
  • No medical evidence required


Extended Health Care

  • Hospitalization, emergency out-of-Canada
  • Medical and paramedical services
    Chiropractor, osteopath, podiatrist and other services
  • Prescription drugs (list of carriers/RAMQ, etc.)


Dental Care Insurance

  • Basic services: routine exams, x-rays, etc.
    Additional basic (endodontic & periodontal services)
  • Major services: crowns, bridges, dentures, etc.
  • Orthodontic services: children and adults


Critical Illness

Basic or Optional Critical Illness Insurance

  • Basic coverage up to $25,000
  • No medical evidence required
    Higher amounts with medical evidence

Optional Life

Optional Life Insurance

  • Increments of $5,000, $10,000 or $25,000
  • Medical evidence required

Health Care

Health Care Spending Account

  • Employer assigns an annual credit to each plan member
  • To be used by the plan member when needed
    For health and dental expenses not covered by the plan
  • Eligible expenses as determined by the Canada Revenue Agency

Additional Options


  • Employee Assistance Program
  • Best Doctors (offered by some carriers)
  • Self-Insurance

Financial Arrangements

Many arrangements are possible depending on your company’s size and goals. You can choose to fully delegate the management of your plan to your insurer, which has the advantage of guaranteeing predictable expenses, or you may decide to partially assume the burden, if your finances allow.

The key to success is a financial arrangement that is best suited to your company..

Group Annuities

Traditional Plans

  • Group Registered Retirement Savings Plan (Group RRSP)
  • Group Deferred Profit Sharing Plan (Group DPSP)
  • Group Voluntary Retirement Savings Plan (Group VRSP)
    No pension commitee required
  • Group Tax Free Savings Account (Group TFSA)

"Big League" Plans

  • Group Defined Contribution Pension Plan (DCPP)
    Must be managed by a Pension Committee within the company (Quebec).
  • Group Simplified Pension Plan (SPP)
    The insurance company handles the administration and management of the plan.