- 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
- Get quotes from the insurance companies
- Typical turnaround time is about 8-10 business days
- Present the quotes to the client – 2nd meeting
- Educate them on the different options
- Cost comparison
- Employee cost breakdown
- The client chooses an option/insurance company
- Email the paperwork to the client
- Master Application
- Enrollment Form
- Pre-Authorized Deposit (PAD) Form/Pre-Authorized Chequing (PAC) Form
- Sign Agent of Record Letter
- Cheque for the first month’s total premiums (if applicable)
- Collect the cheque and the paperwork (completed & signed) from the client. Drop it off to the appointed insurance company
- It takes between 3 to 4 weeks to have the booklet, administration kit and drug cards (if selected) couriered to the client
- Check-In (1 month and 6 months)
- Touch base and see how things are coming along
- Annual Renewal Review – Client meeting
- What’s working, what’s not working
- Add/remove and/or increase/decrease coverage accordingly
- Repeat Steps 6 & 7
Coverage Options
- Life Insurance
- Accidental Death & Dismemberment
- Dependent Life Insurance
- Extended Health Care
- Vision Care
- Travel Medical Insurance
- Trip Cancellation
- Baggage Insurance
- Dental Care (Basic/Major/Orthodontics)
- Long Term Disability
- Short Term Disability (Weekly Indemnity)
- Critical Illness Insurance
- Health Spending Account
- Wellness Spending Account
- Cost Plus
- Employee Assistant Program
- Best Doctor / Second Opinion
- Virtual Care
