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For Visionary Employers

Group Insurance

Your employees are the engine of your success. A well-structured benefits plan is not a cost — it is a strategic investment in their engagement, health, and long-term loyalty.

Available Coverages

What your plan can include

01

Group Life Insurance

Basic death protection with options for dependents and additional optional coverages based on your employees' needs.

02

Short & Long-Term Disability

Income replacement in case of incapacity — the most important safety net you can offer your team to maintain their financial stability.

03

Supplemental Health Insurance

Prescription drugs, paramedical care, private hospitalization — protections that go beyond basic provincial plans.

04

Dental Care

Basic care, major care, and orthodontics — a highly valued benefit for employees and their families.

05

Employee Assistance Program

Mental health, counseling, legal and financial services. Concrete, confidential support in difficult moments.

06

Health Spending Account (HSA)

Maximum flexibility to cover unreimbursed medical expenses — each employee chooses what suits them best.

Our Process

We build your plan with you

01
Analysis of Your Reality

Needs, budget, employee profile, and business objectives.

02
Plan Design

Selection of the most suitable coverages, levels, and insurers.

03
Market Tender

Rigorous comparison of market offers to ensure the best value.

04
Implementation & Communication

Smooth rollout and information sessions for your employees.

05
Annual Review

Continuous plan optimization as your business evolves.

Frequently Asked Questions

Group Insurance — your questions

The cost varies based on number of employees, chosen coverages, and the group's risk profile. For an SME with 5 to 20 employees in Montreal, premiums can range from $150 to $600 per employee per month. We provide a free comparative analysis to find you the best value.
Short-term disability (STD) typically covers the first 17 weeks of incapacity, taking over from Employment Insurance sickness benefits. Long-term disability (LTD) then takes over and can cover the employee until retirement depending on plan terms.
Yes. Group insurance premiums paid by the employer are generally deductible as business expenses. Some coverages are also exempt from taxable benefits for employees.
Yes, several insurers offer solutions for very small businesses. The Health Spending Account (HSA) is particularly flexible for small groups and incorporated self-employed professionals.
An HSA is a tax-advantaged account funded by the employer that employees can draw from to cover medical expenses not reimbursed by their base plan. It is fully deductible for the business.

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