ASO (Administrative Services Only)
We have over 70 years of combined industry experience which includes many years on both the insurer and broker sides of the industry. We take a progressive approach to benefit plan design and claims funding. By using insurer-backed partial self-insurance, you can significantly reduce the costs of your plan. We also provide an optional combined HSA (Health Spending Account)/WSA (Wellness Spending Account) that can be accessed with both a web based application and mobile phone application(s) (iOS and Android), and can be added to any plan, for a company of any size.
We Provide Expertise, Recommendations, and Ongoing Service & Support
ASO (Administrative Services Only)
Employee Benefits Advisory
#200 - 6904 Roper Rd NW
Are we the best employee benefit brokers in Edmonton & area?
Our clients think so, and we think you will too.
Please contact us to arrange a no-risk, no obligation employee benefit plan review.
Experienced Employee Benefit Specialists
The employee benefits insurance industry has become very specialized over the years. Generally, each benefit policy has five or more benefit coverage categories and group benefit insurance companies use their own metrics to come up with their own cost structure for each of them. With changes in legislation, the introduction of new technology, the need for benefit plan related liability protection, and ongoing changes in taxation, it's easy to see how complex employee benefits can get. This is why it's important to have an employee benefit specialist on your side. Company's often come to us for a benefit plan review and it's very easy to tell whether or not the advisor who helped design their plan is an employee benefit specialist. There are many generalist insurance or financial planner type agents who choose to make employee benefit insurance plan support a secondary offering, but employee benefit insurance tends to be the most complex of the 3 primary areas of insurance that individuals &/or families have i.e. life insurance, employee benefit plans and general insurance (home & auto).
It's important to enlist an employee benefit specialist advisory to help you with your ongoing employee benefit plan needs. We often hear of companies who think they can save money by going direct to the insurance company to request a plan quotation, but the reality is, you will always be referred to either an internal direct sales employee or an agent of the insurance company. And, unless the internal direct sales employee or agent has a strong understanding of employee benefits and also works with many group insurers like a broker does, they will not be able to provide you with the same quality plan comparison of all relevant group benefit insurance markets as a benefits specialist broker can. In the end, you generally end up paying for an inferior plan and receive deficient service & support than what you could have received if you'd dealt with a specialist. All for the same cost that is included in the same quoted rates.
We Negotiate to help support the Long-Term Success of Your Business
When you employ an experienced group benefits specialist advisory, you know you're getting consistently fair & reasonable rates year-after-year. Often non-specialist brokers or insurance company agents will secure 'low-ball' rates for a prospective client thinking they're saving them money over the long-term, but this is simply a tactic insurance companies use to initially acquire business as they know it's a hassle for a company to change insurers every one or 2 years; they offer low rates for the first year, then over the next renewals, 'jack-up' the prices to recover their initial quote driven investments. Be aware as well that generally group insurance companies will not quote on the same company plan more than once every 3-4 years as they know they will never retain a 'transient plan' long enough to get it into a profitable position. Experienced employee benefit specialists understand this, and will consistently negotiate fair rates for your company year-after-year.