Group Insurance

We partner with CEOs, Executives and HR Managers to navigate the insurance landscape. After nearly a decade of experience as both an underwriter and consultant, David helps increase the value of insurance by developing customized plans to reduce risk exposure, eliminate non-performing provisions and decrease plan operating margins, all with an eye on connecting plans to the employees that power the organization.

Employers offer group benefits to their employees due a mix of competitive pressures, the desire to take care of their employees, and to protect their own business interests. We offer mid-size companies the opportunity to deal with a group specialist – an option typically only available to large companies.

Are you looking for big brokerage expertise with a personalized service model that only a smaller, nimble business can deliver? Our team includes ex-underwriters, consultants and large brokerage advisors. We have relationships built on integrity and trust with all of Canada’s major benefit providers, included in industry news publications, and is federally licenced for all of your Canadian business needs.

Planning & Strategy

Our clients are often surprised by the possibilities we present to them; by defining your benefits strategy we present exciting new ideas with an attractive price point, we help you:

  • Attract and retain quality, high producing employees
  • Deliver new digital services such as online prescriptions with at home delivery
  • Set up a Multi-generational benefits plan
  • Hone sharp leadership skills for your management team
  • Access integrated HR Resources
  • Cut expense margins without sacrificing quality

Competitor research & analysis

The Traditional Plan and Beyond

Traditional plans are composed of a choice of several or all key benefits, fixed rates for one to three years, with no extra charges if usage is higher than expected. There are predefined benefit amounts/schedules which limit the amount of choice available to plan members.

Key Benefits Include:

  1. Prescription Drug Coverage
  2. Paramedicals Coverage (Massage, Chiropractors, Psychologist, etc…)
  3. Vision Care (Glasses, Contacts)
  4. Dental Insurance
  5. Life Insurance
  6. Short Term Disability Insurance
  7. Long Term Disability Insurance
  8. Accidental Death and Dismemberment Insurance
  9. Critical Illness Insurance
  10. Dependent Life Insurance

Our experience allows us to offer you the most cost-effective pricing models available.

Alternative funding can allow you to share in the profit created by your plan or to lower an insurance carrier’s fees and costs. Additional choice can come with a trade-off in risk. Our underwriting experience and benchmarking capabilities allows us to work with you to determine which choice is best suited for your company.

In traditional plans there is no one-size fits all insurance program – even if you provide maximum coverage levels for all individuals. Adding a degree of flexibility allows you to meet the needs of different demographics at a much lower price point then traditional plans.

Flexible Plans come in all different shapes and sizes – from a flexible spending account to differing coverage levels for massage.

At Reach Insurance Brokers we help you explore the needs and wants of your general employee population to your executive team. Our fully customized plan takes the guess work out of benefits with easy to follow implementation steps.

We at Reach Insurance Brokers specialized in integrating group insurance options with individual insurance options. This means we can issues higher coverage levels at more stable costs than any group only plan. These options can leads to lower lifetime costs, less medical underwriting and an overall better service and coverage.

Looking for a First-Class Insurance Broker?