Planning for tomorrow. Insurance for today.

Group Benefits Process

  1. Introduction – 1st meeting
    • What’s working, what’s not working
    • Request, needs and wants
    • Gather employee data/census
    • If you currently have coverage, collect the renewal report – rates and claims history
    • If you currently have coverage, obtain a copy of the benefit booklet/summary
  1. Get quotes from the insurance companies
    • Typical turnaround time is about 5 business days
  1. Present the quotes to the client – 2nd meeting
    • Educate them on the different options
    • Cost comparison
    • Employee cost breakdown
  1. The client chooses an option/insurance company
    • Email the paperwork to the client
      • Master Application
      • Enrolment Form
      • Pre-Authorized Deposit (PAD) Form/Pre-Authorized Chequing (PAC) Form
      • Sign Agent of Record Letter
      • Cheque for the first month’s total premiums
  1. Collect the cheque and the paperwork (completed & signed) from the client. Drop it off to the appointed insurance company
    • It takes between 2 to 3 weeks to have the booklet, administration kit and drug cards (if selected) couriered to the client
  1. Check-In (1 month and 6 months)
    • Touch base and see how things are coming along
  1. Annual Renewal Review – Client meeting
    • What’s working, what’s not working
    • Add/remove and/or increase/decrease coverage accordingly
  1. Repeat Steps 6 & 7

Coverage Options

  • Life Insurance
  • Accidental Death & Dismemberment
  • Dependent Life Insurance
  • Extended Health Care
  • Vision Care
  • Travel Medical Insurance
  • Dental Care
  • Long Term Disability
  • Short Term Disability (Weekly Indemnity)
  • Critical Illness Insurance
  • Health Spending Account
  • Cost Plus
  • Employee Assistant Program
  • Best Doctor / Second Opinion

Additional Links