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Benefits built around your team

Group Plans

Support your people with a plan your business can sustain.

Explore employee benefits around your team, your priorities and your budget. We help business owners compare group coverage and understand the decisions involved in setting up and maintaining a plan.

Discuss a plan for my team
Four colleagues discussing plans around a light oak meeting table

What a group plan may include

Depending on the insurer and plan design, benefits may include extended health care, dental care, life insurance and disability protection. Available benefits, coverage amounts and eligibility rules vary, so the package should be reviewed as a whole.

Balance employee needs and business costs

We discuss the benefits your team values alongside a budget the business can maintain. The conversation can include benefit limits, employee eligibility, how premiums are shared and any participation requirements that apply to the proposed plan.

Prepare for implementation and renewal

A clear employee profile and existing plan information can help insurers assess options. Once a plan is in place, changes in your workforce, claims experience and insurer pricing may affect renewals. We can help you understand the information and compare the choices at review time.

A practical first conversation

Tell us about your business, who you employ and what you would like a benefits plan to achieve. We will identify the details needed for a comparison and explain the next steps before you decide whether to request formal proposals.

Group plan availability, benefits and pricing are subject to the insurer's requirements and the issued contract. Confirm employee eligibility, exclusions and administrative responsibilities before implementation.
Consumer resource: Sun Life: how employee benefit plans work.

Your questions, answered

Can a small business arrange a group plan?

Options depend on the insurer, business and eligible employee group. Minimum participation and other requirements vary; we check what may be available for your team.

Can we customize benefits?

Insurers may offer different benefit levels and combinations. The options depend on your group and the product, so we compare flexibility alongside costs and administration.

Will premiums stay the same each year?

Not necessarily. Renewal pricing may change with claims experience, workforce changes, insurer terms and other factors. Review the renewal proposal before making decisions.

Let's find out where you stand.

Start with a conversation about your goals. Toronto, the GTA, or by video anywhere in Ontario.

Book a consultation