SAVE 10% or more on your employee insurance benefit renewals, GUARANTEED

If we can't deliver you a quote that will show at least 10% savings on your benefit renewal, we'll pay you $500 just for letting us try.

See conditions to apply Book a Consultation

SAVE 10% or more on your employee insurance benefit renewals, GUARANTEED

If we can't deliver you a quote that will show at least 10% savings on your benefit renewal, we'll pay you $500 just for letting us try. 

See conditions to apply Book a Consultation

SAVE 10% or more on your employee insurance benefit renewals, GUARANTEED

If we can't deliver you a quote that will show at least 10% savings on your benefit renewal, we'll pay you $500 just for letting us try. 

See conditions to apply Book a Consultation

Already have an Employee Insurance Benefit Plan?

We'll contact you 2 months prior to your renewal date. We'll make sure your price is great for the kind of plan you have.

Tell us your renewal month.

Renewal Notice

"Your profitability is not about how much you make, but about how much you keep.” 


Your employee benefit costs are an expense. And it’s an expense that you should have some control over. STOP letting the insurance company drastically increase your renewal rates. It’s time for you to take back control of what you spend, so you can keep more of what you earn.

The Top 3 Mistakes Business Owners Make with their Employee Benefit Plan

Mistake #1

Not Understanding Plan Structure

They do not think about their plan structure and the impact of their claims. Some group insurance plans are "Experienced-Rated" and some are pooled.

Read More

Mistake #2

Rushing Plan Design

Your claims are influenced by your plan design.  Carefully select your plan design, control your claims, & control your renewal.

Read More

Mistake #3

Ignoring Eligibility Criteria

Which particular class of employees qualify for benefits & what does that class look like?

Read More

I already have an advisor. Are all advisors the same? 


Imagine being accused of a crime. You have to select your lawyer. The right lawyer can make the difference between life free or life in prison. Would you quickly select your lawyer?

Your group insurance advisor should be selected with the same consideration. The right advisor could make the difference between a stable renewal and high renewal. The right advisor can make the difference between keeping your plan for the long term, or cancelling it shortly after implementing it.

How could I know if my advisor is giving me the right advice?


Did your advisor go to market, quote half a dozen different insurance companies, and recommend the cheapest solution?

If so,  RUN!

Short-term savings more often mean higher renewal rates. There are many insurance companies that want your business. And they’re willing to discount your rates to earn it. But once you’re a customer, the only thing that matters is your claims. 

Here’s the million dollar question to ask your advisor:

“What strategies have you implemented to give me the best shot possible at a sustainable renewal?

Here’s a True Story – And the beginning of our story.


Don’t let this experience become your true story.

We met a small company with 6 employees. It was a small and ordinary manufacturing firm. The business owner implemented benefits as an incentive to reward his long term employees. Within that same year, an employee lost a finger on the job.

That employee used:

1: the ambulance service to get to the hospital.

2: the semi-private hospital room in hospital.

3: regular prescriptions for pain killers.

4: regular physio for recovery.

Also, it was their first year with benefits so of course, everyone got their teeth cleaned. They also renewed their prescription glasses. Of course, at their first renewal, the insurance company proposed a 45% increase in rates. This unfortunate business owner was forced to decide between paying a substantial increase or cancelling benefits. 

Could this increase have been avoided? ABSOLUTELY.

Don’t let this be your story...

It was at this moment, our story began.

We no longer wanted to see business owners who lead their team by making positive changes, and then are punished for circumstances beyond their control. We became angry at seeing the large insurance companies push around the small business owner because they happened to need the coverage at the time they had coverage.

Our focus is to develop plans that are sustainable, manageable and affordable. Not just this year but for all future years to come.

Don't commit to a long-term plan, if you don't know how to do long-term planning.


Giving employees benefits is not a short term commitment. Business owners often make commitments in their employment agreement and benefits become a part of an employees compensation package.

Imagine building a business and not knowing what next year's price will look like. How can you properly forecast growth? Your benefit plan deserves expert advice. You need to get ahead of your renewal.

Don't wait until your renewal to ask, "my price went up, what should we do" - it'll be too late, the claims already hit the system.

Your Advisor’s Kryptonite! 

You have two relationships.


When you have an employee insurance benefit plan, you have two relationships.

  1. Is with your insurance company. They handle the coverage and the billing.
  2. Is with your advisor. They support you with strategy and in aligning you with the right carrier and price.

What if you're unhappy with your advisor?


You have the power to:

  • Keep your insurance company, your plan, and your rates.
  • Change your advisor.

An Agent of Record (AOR) letter acts as your advisor’s kryptonite as you can use it to replace your advisor any time for FREE.

Why replace your advisor?


  • Maybe it's been several years since you've heard from them & they've become MIA.
  • You’re unsatisfied with the service you’re receiving.
  • You’re just looking for different advice because your renewals have been frequently high.

If you’d like us to be your advisor, download our AOR.

Agent of Record Download

Our Core Values

We believe values are more than fancy words on a wall - they're the heartbeat of everything we do.  Whether you're joining our team or trusting us to serve you, we want you to feel like you're working with people who genuinely care.

Hearts Before Profits

People first. Always. No exceptions. 


💖 For our employees, that means competitive wages and supportive environments. We’re not trying to maximize profits, but we are trying to maximize impact.


💬 For our clients, that means honest advice - even if it means recommending a competitor’s product. Because doing the right thing feels better than chasing commissions. 


Because You Can’t Pour From an Empty Cup

"A man with his health has a thousand dreams. A man without his health has only one." — Indian Proverb. Where health comes before hustle.


🍎 For our employees, we offer flexible schedules, remote work, and even encourage working outdoors (yes, we’ll provide laptops with amazing battery life). We offer wellness perks like yoga memberships and everyone gets the same awesome health benefits - no VIP treatment for the executives.


💼 For our clients, we know health events can turn life upside down. We offer insurance solutions to help families stay secure when life throws a curveball.


Don’t Run in Circles, Run Forward

"Less time wasted means more time living." We believe in doing things right - the first time.


✅ For our employees, that means working efficiently so they can spend less time plugged-in and more time doing the things they love about life.

⏳ For our clients, we respect your time. We send complete emails, structure clear meetings, and never waste your time with extra back-and-forth.


The Tortoise Wins the Race

"Good things shouldn’t end too soon." We believe in playing the long game.


💪 For our employees, that means great pay, room to grow, and a workplace that makes you want to stay for the long haul. Our employees are our greatest assets. The less the turnover, the greater our success.


💰 For our clients, stability matters. We’ve seen too many businesses face insurance renewals where premiums double - and suddenly they can’t afford it anymore. When that happens, they cancel their coverage leaving employees vulnerable and uninsured. It’s heartbreaking to see.


That’s why we focus on long-term solutions, not just chasing the cheapest quote. Our goal is to keep coverage sustainable, predictable, and secure for the people who need it most.


Our values guide everything we do.

When you lead with heart, prioritize health, work smart, focus on longevity, and sprinkle in some fun, great things happen.


Whether you're joining our team or trusting us with your financial future - we want you to feel valued, supported, and confident that we’ve got your back.


We build real relationships. We solve real problems. And we believe that the best way to do that... is by being real.


Our Core Values

We believe values are more than fancy words on a wall - they're the heartbeat of everything we do. 

Whether you're joining our team or trusting us to serve you, we want you to feel like you're working with people who genuinely care.

  • 1. Hearts Before Profits

    People first. Always. No exceptions. 

  • 2. Because You Can’t Pour From an Empty Cup

    "A man with his health has a thousand dreams. A man without his health has only one." — Indian Proverb. Where health comes before hustle.

  • 3. Don’t Run in Circles, Run Forward

    "Less time wasted means more time living." We believe in doing things right - the first time.

  • 4. The Tortoise Wins the Race

    Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
  • The Bottom Line

    Our values guide everything we do. 

FAQs

  • Why do we prioritize 10 to 25 employees?

    Heros come in many shapes and sizes. Business Owners who reward their employees with benefits are Heros. But even heroes need sidekicks. 


    Business owners with 10-25 employees likely already have a benefit plan in place. And if you’re like most business owners, you’re probably struggling with your renewal. We are expert sidekicks at helping Heros keep their plan sustainable. 


    We love delivering sustainable renewals. To achieve this, it requires strategic planning and forward thinking. In other words, we’re looking for Heros that already have a plan and need expert advice in keeping their plan manageable.


  • Will we service companies that are less than 10 employees?

    It’s not profitable for us to service customers with less than 10 employees – because of all the work we do. However, number one core value is “Hearts Before Profits”. If you’re a company with less than 10 employees and your core values align with ours, then we’d love to help you. 


  • Will we service companies more that 25 employees?

    The kind of work we do is most appreciated when we’re working with people who care. Not many people will care more about the business than the business owner themselves. When we work with companies that have more than 25 employees, we’re often assigned to work with an employee who just wants quotes on a spreadsheet and wants to move on with their day. Our value comes from the advice we deliver. Our value comes from years of delivering sustainable renewals. If you’re a company with more than 25 employees and you’re willing to put in the time to work with us, then yes, we’ll work with you too even if you have more than 25 employees.


  • I already have an advisor / My advisor can already go to market / Are all advisors the same?

    Not all advisors specialize in Group Employee Benefit Plans. That’s all that we do. Saying all advisors are the same is like saying “all accountants are the same”, or “all lawyers are the same”. Really? Your advisor’s job is not to get you quotes. It doesn’t take much effort to collect a quote from an insurance company. In fact, most advisors even outsource that responsibility to another firm called a Group MGA. Your advisor’s job is to give you advice that will help you achieve your goals. Selecting the plan – delivering it to the right class – keeping the renewal sustainable – decreasing your turnover – supporting you with employee retention – keeping you competitive. You need a good advisor for this. 

  • How do I know if my advisor is a good advisor?

    If your advisor delivered quotes in a side-by-side chart and recommended the cheapest solution, you might want to get a second opinion.

    First, your advisor needs to get a good grasp of your goals. Attracting employees and retaining employees are common goals for business owners. Your advisor needs to take the time to understand what kind of employees you have. How competitive is your plan. And your plan should be designed to support you in achieving your goals. 


    Most importantly, your advisor needs to be forward thinking. Needs to know what kind of impact the decisions you’re making today will have at renewal. 


    You must ask your advisor. “What strategies have you implemented that will support me in achieving a sustainable renewal”.

Already have an Employee Insurance Benefit Plan?


We'll contact you 2 months prior to your renewal date. We'll make sure your price is great for the kind of plan you have.

Renewal Notice

Are you ready to review your current Insurance Benefits?


Schedule an appointment with an advisor.
Book a Consultation