1. Plan design

   • Efficiency
   • Funding Alternatives
   • Demographic Analysis
   • Short Term/Long Term Funding Analysis

2. Ongoing Plan Management

   • Employee Communication Strategy
   • Benefit Business Plan Monitoring
   • Plan Reporting
   • Renewal Negotiation
   • Business Plan Checklist

3. Administration

   • Efficiency
   • Legislative Compliance
   • Cost Benefit Analysis

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Products we offer:

1. Group Products

   • Group Life Insurance
   • Accidental Death Benefits
   • Short and Long Term Disability
   • Supplementary Health Benefits
   • Dental Coverage
   • Registered Pension Plan (RPP)
   • Group Registered Retirement Savings Plan (Group RRSP)
   • Employee Assistance Plans (EAP)
   • Health & Welfare Trust Accounts (Cost Plus Plans)
   • Critical Illness Insurance

2. Executive Products

   • Private Healthcare Plans
   • Executive Top-Up Benefits
   • Critical Illness Insurance
   • Long Term Care
   • Shared Ownership Insurance
   • Key Person Insurance
   • Buy-Sell/Shareholder Insurance
   • Business Succession Planning
   • Charitable Giving Strategies
   • Estate and Testamentary Trust Planning
   • Retirement Planning
   • Tax Strategies
   • Term Life Insurance
   • Universal Life Insurance
   • Participating Whole Life Insurance