Provides fixed premiums, ensuring predictable costs and simplified administration for employers.

Employers self-fund claims up to a set limit while outsourcing administration to help reduce overall insurance costs.

Combines an Insured Plan with a Health Care Spending Account—offering employee flexibility while maintaining cost control for employers.

Receive a tax-free lump sum for conditions like cancer or stroke from our preferred provider—no medical underwriting, pre-existing exclusions, or termination age.

Offer individual disability policies your employees own—no medical underwriting and unmatched protection, all with fixed employer costs.

Plans like Group RRSPs, DPSPs, Group TFSAs, and PRPPs

Offer tax-smart, flexible plans that attract top talent and boost employee satisfaction through meaningful financial contributions.

Non-taxable benefit that reimburses employees for eligible health-related expenses as defined by the Canada Revenue Agency (CRA).

Taxable benefit that reimburses employees for wellness-related expenses. Employers can customize eligible items, such as fitness or mental health to support healthier lifestyles and employee well-being.

Allows employees to allocate a set amount of benefit dollars between a Health Spending Account and a Wellness Spending Account. This enables personalized coverage for eligible health and wellness expenses for employees and their dependents.

Comprehensive health assessments with 70+ tests, same-day results, personalized plans, and expert virtual and in-person care.

Provide executives with premium health benefits, including higher coverage, concierge services, and larger health spending accounts.

Allows employers to enhance the benefits plan by using business dollars to pay uncovered expenses under the Income Tax Act.

Provides free tools and resources to boost mental well-being, creating healthier workplaces and helping employers support their employees.

Enables patients to access healthcare remotely via video, phone, or messaging—offering fast, convenient medical advice without clinic visits.

Provides expert second opinions from a global network to empower informed healthcare decisions.