Why us?

Proprietary Block Program

Thanks to our long history in the industry, we have earned the trust of insurers to be able to place our groups into a special program that gives us preferential quotation and renewal factors. Our factors are the best in BC: higher break even point, lower pooling charges, lower health and dental inflation.

With the past two years of your claims experience we will be able to set our own health and dental rates for your group.

Service and Expertise

We have been active in the group benefit space since 1991. Our team has 50+ years of combined experience in the field - from underwriting to consulting at large insurers, and now as independent consultants.

We provide quarterly claims experience updates to catch any trends in the usage and to mitigate risk and any runaway costs.

We provide a renewal report that is easy to understand and includes only relevant information

We encourage both employer and employees to contact us directly on administrative and claims issues as we can often resolve the problem much faster than you calling the insurer.

Fully Transparent

We are completely transparent and provide calculations in a way that is easy for you to follow. Along with the renewal calculations, we also provide a projection of next year’s renewal to show whether the renewal is fair and if the rates are sustainable.

Our Goal is to Educate…

By providing transparent and detailed reports

We encourage you to ask questions and to understand your plan. Some questions your current advisor should be able to answer:

  • What target loss ratio (TLR) and inflation factors are being used for my group?

  • What are the pooling charges for my group?

  • What are pooling charges?

  • What are the top claimed categories for prescription drugs for my group?

  • Are there any non-repeatable claims from this year that can be removed from the renewal calculations?

  • Are there any emerging risks we need to consider or address?

  • Can you explain if my renewal is fair, and if not, what is the negotiated position?

  • Are there any short term or long term strategies to help save money? What are the downsides to those strategies?