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Group Benefits for Growing Teams

Attract and retain talent with a right-sized plan—health, dental, disability, life, and wellness—built around your budget.

Independent: multi-carrier market check Transparent: clear pricing & renewals Hands-on: onboarding & claims support

Request Group Benefits Quote Explore Individual Coverage

Quick Fit Estimator

Employees

Budget / Employee / Month ($)

Industry

Priority

Tier: Standard

Focus: Balanced

Includes Health & Dental, Life, AD&D, and Short-Term Disability with optional LTD or HSA.

Get a Tailored Proposal

*Estimator is illustrative only. Final pricing depends on demographics, benefits selection, and carrier underwriting.

What’s in a Modern Plan?

Health & Dental Drug & Vision Paramedicals Life & AD&D STD / LTD Critical Illness HSA / Wellness Virtual Care / EAP

Starter

Lean coverage for small teams & first-time plans.

Health & Dental Life & AD&D Option: HSA

See Starter Sample

Standard

Balanced core with optional LTD and CI.

Drug & Vision Dental (basic/major) STD / LTD

See Standard Sample

Plus

Richer dental, CI, wellness & spending accounts.

Enhanced Dental Critical Illness HSA / Wellness

See Plus Sample

Compare Tiers

Feature	Starter	Standard	Plus
Drug & Vision	✓	✓	✓
Dental (basic)	✓	✓	✓
Dental (major/ortho)	—	✓	✓ +
Life & AD&D	✓	✓	✓
STD	—	✓	✓
LTD	—	Optional	✓
Critical Illness	—	Optional	✓
HSA / Wellness	Optional	Optional	✓

Why Employers Choose GMFSI

Independent, multi-carrier market check—no bias.
Transparent renewals with claims analytics & fee clarity.
Employee onboarding, education, and ongoing advocacy.
Cost-control options: pooling, deductibles, coinsurance, HSAs.
Integrations with pensions/GRSPs and wellness initiatives.

How We Work

Discovery – 15-min call to confirm goals, headcount, and budget.
Market Scan – We compare carriers and plan designs side-by-side.
Proposal – Options with pricing, trade-offs, and our recommendation.
Onboard & Support – Enrollment, employee sessions, and claims support.

FAQs

How many employees do I need?

Most carriers start at 2–3 employees; 5+ unlocks broader plan options.

Can we control renewal increases?

Yes—through plan design, pooling thresholds, deductible/coinsurance mix, and market checks at renewal.

Do you support multiple provinces?

Absolutely. We administer and support teams across Canada.

What do you need for a quote?

Employee census (ages, province, family status), current plan details (if any), and target budget.

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Helpful updates on retirement planning, insurance strategies, investments and group benefits for individuals, families and business owners.

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Partners & Carriers We Work With

Independent access to multiple leading insurers across Canada.

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Group Benefits