Offering Group Health Benefits for Your Employees

When you are small or medium sized business owner, and you want to go a little further for your employees, your first look should be towards offering group health benefits for your employees. Traditional health and dental insurance is not actually “insurance” because employers indirectly pay the health and dental claims. Typically, a life insurance company will charge the difference between the premiums and the claims, but there is a unique program available to Canadians where the administration costs is a percentage of claims and a flat monthly fee per employee, which makes it substantially less money than traditional insurance- and it still offers you great coverage.


Offering group health insurance is a wonderful incentive for keeping your currently employees happy, as well as attracting potential candidates for future positions. With today’s economy, many small and medium sized businesses do not believe they can afford health benefits for their employees because they are only aware of traditional benefit plans. Offering benefits to employees can often be the defining factor for your company when a job candidate is being offered a position as individual health coverage is significantly more expensive for the consumer. Ask your group health broker about Ten Star’s Group Plus and discover how you can offer more, for less.


When discussing insurance options with your broker, prepare a short list of questions before arriving. Finding a knowledgeable broker with experience dealing with the type of insurance you need can help you in the long run, so remember to take your time when finding the most appropriate broker for your needs.

Life Insurance: Honest Brokerages in Canada

There are a number of life insurance brokerages in Canada, so how can you choose an honest brokerage to deal with when planning for your future, and the future of your family? There are a few simple steps you can follow to help assure yourself that you are dealing with an experienced and trustworthy brokerage. What can you do to find an honest life insurance brokerage?

Types of Life Insurance Brokerages

Many brokerages specialize in different types of insurance, and even different types of life insurance which is commonly placed under the ‘life insurance’ umbrella. For instance, there are life insurance policies like mortgage life insurance, critical illness protection, and term life insurance, which are different policies but are referred to by the same common term.

How Can I Find An Honest Life Insurance Brokerage?

When you need to find a life insurance brokerage, there are a few ways to find an honest and friendly brokerage which will find the most cost effective solution for your needs.

• Recommendations: Ask around and see if your friends or family members have spoken with a life insurance brokerage recently
• Proximity: If you pass by a brokerage near your home, or workplace, they may offer the type of life insurance you are looking for. Walking in and asking questions are great first steps with deciding.
• Online reviews and testimonials: Just like restaurants, products, and movies, you will probably be able to find a review of a brokerage nearest you online

Getting the Best Rates from Your Life Insurance Brokerage

When discussing options at your life insurance brokerage, prepare a short list of questions to ask before arriving to your initial appointment. Finding a knowledgeable brokerage with experience dealing with the type of insurance you need can help you in the long run, so remember to take your time when finding the most appropriate brokerage for your needs. Getting life insurance coverage is an important process, so take comfort in knowing that you and your loved ones will be protected.

Group Life Insurance: is it worth it?

A common employee benefit in Canada is group life insurance. The increased savings available at group rates is a good opportunity to offer more for your employees; individual life insurance policies are often much more expensive.

What is Group Life Insurance?

When a company or association insurances a number of related people under a life insurance policy, insurance companies will refer to this as group life insurance. Many policy holders often find one of the main perks of getting group life insurance is medical examinations are usually not required. For more info, see Wikipedia's article on life insurance.

Finding a Group Life Insurance Broker

When you need to find a broker for group life insurance, there are a few ways to find an efficient and friendly broker who will find the most cost effective solution for your needs.

• Recommendations: Ask around and see if your friends or family members have spoken with a group life insurance broker recently
• Proximity: If you pass by a brokerage near your home, or workplace, they may offer group life insurance policies. Walking in and asking questions are great first steps with deciding.
• Online reviews: Just like restaurants, products, and movies, you will probably be able to find a review of a broker nearest you

Getting the Best Rates for Group Life Insurance

When discussing options with your group life insurance broker, it is best to prepare a short list of questions before arriving. Finding a knowledgeable broker with experience dealing with the type of insurance you need can help you in the long run, so remember to take your time when finding the most appropriate broker for your needs.