EMPLOYER-EMPLOYEE BENEFITS

As an independent life insurance advisor working with all the insurers in Canada, I am uniquely positioned to offer a broad range of insurance services tailored to help employers provide comprehensive benefits packages to their employees. Here are some key services I can offer:

Group Life Insurance:

Provides a death benefit to the beneficiaries of employees who pass away while covered under the policy. Typically offered as part of an employer’s benefits package and can be either employer-paid or voluntary (employee-paid).

Group Disability Insurance:

Offers short-term and long-term disability insurance to provide income replacement for employees who are unable to work due to illness or injury. Ensures employees have financial support during periods of disability.

Group Health Insurance:

Covers medical, dental, and vision expenses. Can include prescription drug coverage, paramedical services, hospital stays, and other health-related expenses.

Group Critical Illness Insurance:

Provides a lump-sum payment to employees diagnosed with a covered critical illness (e.g., cancer, heart attack, stroke).Helps employees manage the financial burden associated with serious health conditions.

Group Accidental Death and Dismemberment (AD&D) Insurance:

Offers benefits in the event of accidental death or serious injury resulting in dismemberment. Provides additional financial protection for employees and their families.

Retirement and Pension Plans:

Assistance with setting up and managing group RRSPs (Registered Retirement Savings Plans), defined benefit plans, and defined contribution plans. Helps employees save for retirement with tax-advantaged plans.

Business Continuation Insurance:

Life insurance policies that help ensure the continuity of the business in the event of the death or disability of key employees or business owners. Includes key person insurance and buy-sell agreements funded by life insurance.

Voluntary Benefits:

Additional optional benefits that employees can choose to purchase through payroll deductions. Can include supplemental life insurance, critical illness insurance, and accident insurance.

By providing these services, I help employers in Canada attract and retain employees, support their financial security, and enhance overall employee satisfaction and well-being. My independent status allows me to offer unbiased advice and access to a wide range of insurance products from various insurers, ensuring that employers receive the best possible solutions for their needs!