Our Services
Personal Health Insurance
Personal Health Insurance is an excellent product for people who are self-employed or contract workers. Personal Health Insurance provides affordable coverage for day-to-day health expenses and unexpected medical emergencies that aren’t covered by provincial plans. As a Business owner you may be able to claim a tax deduction equal to the annual premium.
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Group Benefits
At Premier Benefits and Financial Solutions Inc, we strive to provide exemplary customer service managing your employee benefit plan. With Premier Benefits and Financial Solutions Inc, you are hiring a company whose main goal is to ensure the plan is what you expected and is in line with the objectives set for your business.
Our assurance is, we will proactively manage your plan in terms of claims administration, plan administration, reporting, employee wellness, claims handling advice and much more….
Our services for Group Benefit Plans of any size include:
- Consultation of benefit plan and examination of your current plan and premiums
- Employee benefit plan reviews
- Benefit plan presentation to all carriers for cost consideration
- Quarterly claims review to proactively manage your plan
- In person meetings to review semiannual plan performance and renewals
- Plan administrator training and support
- Plan implementation assistance
- Employee meetings
- Claims resolution and management
- Renewal analysis and negotiations
- Underwriting analysis
- Cost containment strategies
- Claims analysis and detailed reporting
- Wellness program assistance
- Business liability analysis and support
- Bookkeeping assistance related to benefits
- Local in person support for all your benefit needs and questions
Contact us for more information
Group RRSP’s
A group Registered Retirement Savings Plan (RRSP) is an employer-sponsored retirement savings plan, like an individual RRSP, but administered on a group basis by the employer. Contributions are made by pay-roll deduction, on a pre-tax basis, through a Group RRSP administrator. Investment decisions are made by the employee and the options are like those available for an individual RRSP.
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Life/Mortgage Insurance
As we grow older and start a family, we realize how our family depends on us. With Life/Mortgage insurance you can:
- Protect your Loved Ones – Provide your family with financial support after you are gone. This is especially important for parents of young children or adults who would find it difficult to maintain their standard of living if they no longer had access to the income provide. If you continue to pay your premiums, the insurance will provide a one-time, tax-free payment when you die to whomever you choose.
- Leave an Inheritance – This is a great way to ensure your children have a solid financial future and provide for any financial needs that may happen
- Pay off Debts and Other Expenses – Your family will need insurance to cover any outstanding debts, such as mortgage, credit cards and car loans. You need to remember funeral and burial costs can run in the tens of thousands of dollars and you do not want your family burdened with this expense.
- Provide Peace of Mind – Having life insurance coverage will bring you and your family peace of mind. Having Life/Mortgage insurance will ensure that your family will not have to pay off endure financial hardship after you have passed.
There are different types of life insurance which we can assist you with to find the type that is best for your needs and goals:
Term insurance
- Temporary coverage
- Lower cost
- Fixed payments
- Option to convert to permanent
Permanent insurance
- Lifetime coverage
- Higher cost
- Flexible payments
- Opportunity to build cash value
Contact us for more information or to receive our Life Insurance Needs Analysis
Disability/Critical Insurance
Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from several causes, including an injury, a serious
illness or a mental health issue. And the duration of a disability can be either short- or long-term.
Critical illness insurance helps to pay the costs associated with life-altering illnesses such as Heart attack, stroke, cancer etc. With advances in medical technology this has dramatically improved the survival rates of people who suffer critical illnesses. Recovery may come with a significant financial cost that impacts both you and the people close to you
Contact us for more information