Real benefits

for real people

As health insurance specialists, we provide comprehensive group, individual and life insurance plans that meet the diverse needs and budgets of modern businesses and individuals. 

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Whether you’re a business or planning for your future

We’ve got the perfect solution for your unique needs

Group Benefits

We help businesses of all sizes create impactful employee group benefits programs.

  • Traditional group benefits
  • Plans with profit sharing potential
  • Health & wellness spending accounts
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Individual Coverage

We provide peace of mind in knowing that you, your family and your income are protected.

  • Long term disability
  • Critical illness
  • Health & dental insurance
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Life

We simplify life insurance so that you can get the coverage and peace of mind you need, today!

  • Term insurance
  • Permanent insurance
  • Key-person insurance
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One common goal

A comprehensive approach to your employee benefits & individual needs.

Our diverse and experienced team is dedicated to our mission of helping people lead better lives by helping them make better choices. 

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40

Devoted Years

3000+

Happy Clients

97%

Client Retention Rate

17

Valued Staff Members

You're in good company

40 years of strong relationships

Case study

Our two-step approach to winning a new client.

With unjustified claims increases and gaps in their coverage, this client sought our help. Using a winning two-step approach, we successfully put more money back in the business’s pocket while ensuring their employees were completely protected.

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our Latest Blog Articles

Expertise worth sharing

17 Apr, 2024
Good benefit plans draw in and keep high-quality employees. Providing dental coverage for employees and their families is crucial to staying competitive. However, the expenses associated with this coverage continue to trend upward for employers. The dental fee guide provides recommended fees for various dental procedures and services. Insurers use it as a benchmark for determining acceptable reimbursement levels for dental care. Each province has a dental association that sets their fee guide for the year. In recent years, these costs have grown, leading to higher claims and increases in premium or funding levels at renewal. Although costs have risen across the board, the fee increases for 2024 are more reasonable than those of 2023 and not as high. Below are the fee guide increases announced for 2024 by the dental associations:
06 Feb, 2024
Understanding the nuances between retirement options like Deferred Profit Sharing Plans (DPSPs) and Group RRSPs is essential for maximizing benefits while minimizing costs. Below we explore the differences, highlighting the advantages of modernized group retirement benefits that prioritize accessibility and low fees, ensuring employees can confidently plan for their futures.
21 Sep, 2023
Imagine this: a protective net cast over our homes, cars, health, and lives to weather life’s storms. So why not drape that same shield over our most significant debt – the mortgage? Mortgage insurance has its appeal, but taking a closer look, term life insurance steals the spotlight when life throws us curveballs.
24 Apr, 2023
Businesses use benefit plans to attract and retain top talent. Offering dental coverage for employees and their families is vital to remain competitive, but costs continue to rise for employers. Each province has a dental association that sets their fee guide for the year. In recent years, these costs have grown, leading to higher claims and increases in premium or funding levels at renewal. The government of Canada has announced a federal dental plan with the goal of covering all uninsured Canadians earning under $90,000/year of family income by 2025. This program is starting in 2023 for uninsured Canadians under 18, persons with disabilities, and seniors within the income requirements. This plan won’t help reduce dental premiums for employers as the plan only pays to uninsured individuals. Employers should continue covering their staff for dental to remain competitive in the talent pool. If the federal dental plan expands its limits enough, employers may choose to focus their benefit dollars towards other employee compensation in the coming years. Over the last five years the dental fee guide has increased, with the largest jump coming in 2023. Dental services are billed at 20%+ more than five years ago, leading to claims rising and higher costs for employers. Here is the average increase in cost of services offered for Ontario over the last five years: 2023 Ontario Average Increase: 8.5% 2022 Ontario Average Increase: 4.75% 2021 Ontario Average Increase: 4.6% 2020 Ontario Average Increase: 1.27% 2019 Ontario Average Increase: 4.19% As prices continue to rise, it’s essential for businesses to use a cost-effective solution for their benefits package. One option is to self-insure the dental portion of your plan (called ASO or Administrative Services Only). There is no catastrophic risk associated with dental, as plan limits, such as $1,500/year per member, are set in the plan design. ASO essentially works as a pay-as-you-go system. Rather than setting a Single/Family premium rate for the year, you only pay claims, adjudication fees and taxes. Compared to an experience rated dental benefit, built-in fees can be significantly cheaper on an ASO platform. Another cost-effective solution, without self-insuring the dental benefit, is to use HMA’s 3G profit-sharing plan. This plan uses the same renewal calculations as any experience rated health and dental plan, but gives back the profit an insurance company would normally receive when claims come in lower than the expected Target Loss Ratio (TLR). For example, if your TLR is 75% and you pay $10,000 as a dental premium for the year, you are expected to claim $7,500. If claims come in below the $7,500 you can receive the difference back through the plan’s profit sharing and loyalty dividends. While higher dental costs are inevitable with the raises to the Fee Guide, using one of the solutions above can help mitigate some of the costs. Your broker should be bringing solutions to the table. Send us a message today for a full no-pressure review of your benefits plan.
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