Your first benefits plan starts with a conversation.
You want to support your employees. We help you understand the coverage choices, explore costs and decide what fits your business.
Start with a 15-Minute Clarity Call. No obligation. No need to have every answer ready.
What is prompting you to explore benefits?
Your reason for starting helps shape the questions we ask and the options we explore.
Support your existing team
Employees are asking about health or dental coverage, and you want to understand what you could offer.
Build your employment offer
You are hiring or expanding and want benefits to form part of your compensation discussion.
Take a more structured approach
You want a clear plan for employee coverage, employer contributions and ongoing administration.
Benefits to discuss—not a package you must buy.
We can explore these coverage areas according to your priorities and the options available to your group.
Prescription drugs
Discuss eligible medications, reimbursement levels and plan limits.
Dental care
Explore coverage for routine dental care and whether broader dental benefits belong in your plan.
Extended health
Consider options such as vision care, physiotherapy and other eligible health services.
Life insurance
Discuss a group life benefit as one part of your employees’ financial protection.
Disability coverage
Explore income protection for eligible periods when an employee cannot work due to illness or injury.
Additional support
Ask about employee assistance and other available services that may suit your team.
Availability, eligibility, exclusions, reimbursement levels and maximums depend on the insurer and selected plan. These examples do not promise coverage.
“We haven’t set a budget yet.”
You do not need to guess a premium before speaking with us. Start with your priorities and a comfortable spending range, if you have one.
If you do not, quotations can give you a concrete basis for discussion. We can then compare the cost and coverage trade-offs together.
Questions we can work through
- Which benefits should we prioritize?
- How would different coverage levels affect the quotation?
- What contribution arrangement should we explore?
- What would the plan require to administer and maintain?
A useful comparison looks at the ongoing commitment as well as the initial price. We will explain the quotation and its terms before you decide.
A short checklist. A clearer starting point.
Bring what you know to the first conversation. We will confirm the information needed for your particular quote request.
Employee details may include dates of birth, province of residence, coverage category, occupation and gender information where requested by the insurer. Salary details may also be needed for certain benefits.
This checklist does not collect or send information. Before sharing employee records, ask us how to provide them securely. Tick marks are temporary and are not saved.
From your first question to an informed decision.
Talk through your goals
Tell us about your business, employees and reasons for considering benefits.
Gather the details
We identify the information needed to explore suitable options with carriers.
Review the quotations
Compare coverage, costs, limitations and practical trade-offs together.
Decide and implement
If you proceed, we guide the application and enrolment process, subject to insurer approval.
You do not have to figure it out alone.
We only have a few employees. Is it worth asking?
Yes. Tell us about your team so we can check which options may be available. Eligibility and participation requirements vary by insurer and plan; we will confirm them for your group.
Do we need to choose the benefits before calling?
No. Bring your questions and any employee priorities you already know. We can help you organize the choices before preparing a quote request.
Can we compare a simpler plan with broader coverage?
We can discuss requesting different benefit designs where available. This helps you weigh coverage against the cost and terms of each option.
Does requesting a quote commit us to a plan?
No. A quotation gives you information to review. If you choose to move forward, we will explain the application, approval and implementation steps.
When would coverage begin?
We can discuss your preferred timing, but the effective date depends on the insurer’s requirements and approval. We will confirm the start date before you tell employees their coverage is active.
Let’s explore what benefits could look like for your team.
Book a 15-Minute Clarity Call with Madhu Shukla, CFP®, EPC. We will discuss where you are starting and what information would help you move forward.
On the booking page, select the 15-Minute Clarity Call.