Employee Benefit Plans

Group insurance offers employers an arrangement to provide their staff with
such benefits as life, disability, health and dental care. Premiums, which are
paid by the employer are tax deductible as a business expense. Group plans
both attract and retain employees and increase morale and productivity by
providing financial security and support when employees need it most.

As group benefits consultants our recommendations are based on a group's individual specifications and needs. 

Our services include the following;

• Providing necessary data and specifications to insurance carriers for
  tendering of group to market.

• Negotiating with insurance carriers on the client’s behalf.

• Analyzing quotations and preparing a detailed benefit comparison and
  spreadsheet.

• Presentation of benefit specifications to participating members.

• Installation of new plan covering administration procedures.

• Ongoing assistance and servicing of plan.

•  Annual review of renewals and positioning

Individual Health Plans

If you are not currently covered by a group health plan through your employer you are vulnerable to health care and dental expenses not covered by your government health insurance plan. 

Many common health care expenses such as dental care, prescription drugs, prescription eyewear, private and semi-private hospital room accommodation, which are not covered by the government health plan, are now available for individuals. These individual plans are based on level of coverage desired and designed according to your current needs, lifestyle and budget.