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Group Benefits
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Show your employees you care about them while attracting top-tier talent, reducing your turnover rate, and boosting business productivity by purchasing Group Benefits.

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What are Group Benefits?

Group Benefits provide coverage on prescription medication, dental and vision care, Short-Term and Long-Term Disability Insurance, Critical Illness Insurance, as well as other benefits. Group Benefits policies are often more cost-effective compared to individual insurance plans.

To purchase, you must be the business owner or the primary employer. These policies can be quite flexible. If you would like to provide Critical Illness benefits to the management but not the office workers, you are able to. If later you decide to include Critical Illness coverage for office workers, you can adjust your policy for the next month. You need as little as two employees (including yourself) to purchase a plan. Part-time and contract workers can also participate in the Group Benefits plan. You are billed monthly and can adjust your coverage or cancel your plan at any time as long as you provide 30 days notice.

Common benefits Group Insurance covers include Health and Dental Insurance, Critical Illness Insurance, Basic Life Insurance, and Short-Term and Long-Term Disability Insurance. You can customize your plan to include your desired benefits and select the appropriate levels of coverage for each of them.

How do Group Benefits policies work?

A group benefits policy is typically obtained by the organization’s owner or the primary employer at a company. The policy then offers coverage to the group members or employees that choose to participate in the program. A group policy can help all members cut costs on their monthly insurance premium.

Why should I purchase Group Benefits for my employees?

Employee satisfaction greatly influences their job performance. Group Benefits help you maintain workplace morale while reducing turnover rates. Group Benefits attract top-tier talent to your organization. When your employees feel that they are being taken care of, it incentives them to work hard and be loyal to the company.

How much do Group Benefits cost?

Employers can choose to pay between 50% to 100% of Group Insurance costs. All company contributions towards Group Benefits are tax-deductible for the business.

Usually contributions per employee are equally divided. Even with 50% cost-sharing, employees end up paying less for benefits through company plans than if they were to purchase personal plans.

The biggest factors that influence the cost of Group Insurance include the chosen benefits, the level of coverage, the industry in which your business operates, the location of your business, and employee demographics.

 

What are the advantages of Group Benefits plan?

Considering whether your business needs group insurance? Obtaining a group insurance plan for your organization pays off in more ways than one.

  • Comprehensive coverage for you and your members
  • Split insurance costs with your employees
  • Obtain basic coverage without strict eligibility requirements
  • Maintain productivity in your business
  • Reduce employee churn rate by offering benefits
  • Maximize tax compensation

Group Benefits policy for your company or organization is a smart investment in your employees. Needless to say, securing your employees is a vital step to your business’s success.

Our Reviews

Excellent4.8★★★★★ ★★★★★ Sahar provided a detail of my coverage was very courteous allowed me to review! After a couple weeks later we reconnected to secure!Great experience!Dave FabelloDave Fabello ★★★★★ Thank you Sehar Bajwa, prompt helpful and professional.hayam rozikhayam rozik ★★★★★ I got my out of country medical insurance assisted by Sahar. It was a pleasure workingwith her and will be contacting her for any future trips. Thank you Sahar.Janet FountainJanet Fountain ★★★★★ Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.Edgar MontanoEdgar Montano ★★★★★ Sehar Bajwa was great and very knowledgeable. Sehar has been more than helpful over the last few years with my travel insurance needs. Thank you again Sehar.Kevin RodgerKevin Rodger ★★★★★ Sehar was super to deal with! she called with clarifications and any questions. Very happy with our travel insurance purchase. Hoping if we need to use it will be clear and easy too. Thank you Sehar we appreciate youDeb KnightDeb Knight ★★★★★ Sehar Bajwa gave us a lot of attention over 2 days with a details sent by email and over the phone. We obtained exactly what we wanted for medical insurance for the trip. Thank you Sehar!!Mary Lou and Fred CrossanMary CrossanMary Crossan ★★★★★ I’ve dealt with Sehar for the last few years and she is knowledgeable and helpful when purchasing our insurance for our stay in Florida for the winter I highly recommend herRachel BlouinRachel Blouin ★★★★★ Sehar was wonderful to deal with while buying medical insurance for our winter in Arizona. We had been having trouble securing insurance for my husband because of some health issues and she found a company very quickly that would cover him. Of course we always hope not to have to use our insurance but if we do I hope it goes as smoothly as when we purchased. Thank you Sehar!Faye Libler (MacGIRLver)Faye Libler (MacGIRLver) ★★★★★ Sehar Bajwa always followed up and double checking all prices and providers for the best insurance to fit our needs. Very patient and thorough, highly recommend her expertiseLindaLinda ★★★★★ Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!Cindy MathisonCindy Mathison ★★★★★ Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!Donna KarjalainenDonna Karjalainen ★★★★★ Service was excellent. Assisted in every way possible to clarify my needs.John FantinJohn Fantin ★★★★★ I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.Mikhael ChernitskyMikhael Chernitsky ★★★★★ Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!Bandna SawhneyBandna Sawhney ★★★★★ I had a great experience with Sehar when purchasing my travel insurance.Joy McDonellJoy McDonell ★★★★★ Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.Katiana LoKatiana Lo ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazija ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamfordjs_loader

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How to Save Money on Group Benefits?

We want to help you save your money. The best way to save money on Group Benefits is to compare rates from multiple providers. This can be extremely time consuming. Luckily, Alliance Income Services Corp. does all the hard work for you! By simply requesting a quote online through our website, we check what rates you can get from every major Canadian insurer.

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Hire More Employees

The more employees you hire at your company, the lower your premiums will be due to risk being divided across a larger pool.

Reduce Average Employee Age

Group Benefits will cost less the younger your workforce is.

Adjust Benefits

Workplace morale and business productivity are improved when you show your employees that you care about them. However, it’s best to make sure the benefits you provide are needed and subtract redundant coverage.

Adjust Cost Sharing

Employees are already likely to pay less for employer coverage than for individual plans with 50% cost sharing. Adjust your cost sharing to a percentage that makes the most sense for your business.

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