Customized Employee Benefits for companies of any size... including sole proprietors!



With more than four decades of experience as a Life & Health Insurance Professional, Ken has earned a reputation among clients and colleagues as being approachable, trusted, and a respected advisor.

Ken is uniquely positioned to provide a company of any size with a fully pooled proprietary benefit plan not available elsewhere in the marketplace. Ken will take the time to understand the needs of your company and customize an Employee Benefits Program with best-in-class benefits backed by the strongest Life Insurance Companies in Canada, which can help your firm attract and retain the best talent in your industry.

Whether your company is a Sole Proprietorship, a Partnership, a Corporation, or a Non-Profit, Ken will customize an Employee Benefit Plan that accommodates your firm’s budget, while providing stability, predictability, and no surprises.  When coupled with the highest level of service and professionalism, you will not feel the need to play the annual rate-chasing game, which is so common in today’s Benefit Marketplace.

Ken continues to be an active member in his community, volunteering his time to many worthwhile causes – such as Meals on Wheels, Heart & Stroke Foundation, and coaching baseball.

Employee Group Benefit Plan Products

Product Facts

• No minimum number of employees required
• No Family Content Rules
• Vision, Orthodontics and Disability Benefits available for a company of any size
• Fully Pooled Claims
• Flexibility and Stability
• Cost-plus programs


Health Bundles

Health Bundles are the highest demand products and are critical to any group benefit plan:

• Prescription Drug Coverage
• Paramedical Services
• Travel Coverage
• Hospital Coverage
• Employee Assistance Programs
• Vision Benefits
• Basic Dental Services
• Major Dental Services
• Orthodontic Services


Package Benefits

Package Benefits consist of the risk benefits in the plan design:

• Life Insurance
• Accidental Death and Dismemberment
• Short Term Disability
• Long Term Disability
• Critical Illness


More Products

Life Insurance products include: Whole Life, Universal Life, and a variety of Term Insurance products.
These can be used to fund a number of personal and business needs, including, but not limited to:
• Income Replacement
• Mortgage Protection
• Last Expenses
• Education Fund
• Key Person Insurance
• Partnership Insurance

Also Available:
• Critical Illness Insurance
• Short & Long Term Disability Insurance
• Travel Insurance
• Visitor to Canada Insurance


What our clients are saying…

As the only full-time employee at my photography studio finding a quality benefit plan was difficult. When I was introduced to Ken he took the time to get to know and understand my family’s needs.  Ken made the process of choosing our benefit plan surprisingly simple, informative, and enjoyable.  Our plan is perfectly suited to my family’s lifestyle and budget.  I strongly recommend Ken to any business owner considering employee benefits!

– Julie W.

Ken introduced us to “Group Flex Benefits”.  The Benefits were not only superior to our current plan, but we reduced our premiums while implementing a Group RRSP.  We commit the same premium dollar amount to all our employees, and they choose from three plan options that best fulfill their individual family needs with extra dollars being deposited into their group RRSP.  We are treating our employees Equitably, which creates Equality.

– Carol K.


Our family business’ benefit plan had a very large premium increase at renewal.  Ken reviewed our existing plan and designed a fully pooled benefit plan with better benefits, including 100% prescription drugs, children’s orthodontics, and an employee critical illness benefit.  After 5 years our monthly premiums are still lower than our previous plans’ renewal would have been.  Ken is also available whenever we need assistance.

– Lily S.

Do you need someone who will give you your best options when it comes to choosing an employee benefit program? I am the owner of small business and wanted something comprehensive and affordable for myself and my staff. Ken was able to tailor the best program for us within a modest budget. Ken is very friendly and reliable, always answering any question or concern. I highly recommend him.

– Christine S.

Our excellent group benefits plan is an important part of our staff compensation package.  Ken designed the plan with our company’s needs in mind – to attract and retain our industry’s top people.

– George S.

Ken has been a colleague and friend for more than a quarter century, always demonstrating excellent knowledge of the insurance industry and a high level of professionalism. I am confident in referring my property and casualty clients to Ken for their employee benefit needs. He consistently acts in the client’s best interest, presenting personalized, well-thought-out solutions.

– Tom M.

Frequently Asked Questions

I’m the only employee in my company, isn’t that too small for an Employee Group Benefits Plan?

Benefits are available regardless of company size or occupation. And yes, even a one-person firm can have a full benefit plan!

Are there tax advantages to having an employee benefit plan?

Premiums can be tax deductible for sole proprietors, partnerships, and corporations, while the benefits you receive are tax free.

Do I have a choice of plans?

A pooled plan is always tailored to suit the needs of your company.  Select from a wide range of coverage; including life, health, dental, disability, critical illness and so much more!

When do my benefits start?

Benefit plans are effective the first of the month, with no waiting periods.

Who do I contact when I have questions about my benefit plan?

Local support from your advisor, coupled with the support of toll-free phone access to a national call centre, provides you with the highest level of customer service.

Why should my company have a benefit plan?

An Employee Benefit Plan is an investment in your firm and in your most valued asset – your employees. A benefit plan will help you attract and retain top talent.  In addition, potential employees will often accept the best in class benefits in lieu of a higher salary at another firm.

How do I give my employees the best benefits, and stay within budget?

Being part of an established pool will provide best in class coverage for your employees, while giving your company’s benefit plan rate stability and predictability, which is not common in today’s benefit marketplace.

Will I have a high premium increase next year, just because my employees use their benefits?

With a pooled plan your rates will always remain stable regardless of your claims, while still providing your employees with best in class benefits.

Will my employees receive pay direct cards?

Yes, your employees will have the convenience of pay direct cards and online electronic claims.