My people

  • Life insurance is an important part of any business’ risk management plan. It can help finance partnership agreements and protect corporations against the loss of employees that are essential to your day-to-day business operations.

    We’ve partnered with a third-party provider so we can offer you a full suite of Life Insurance solutions that protect your financial future, including personal life insurance which provides a tax-free benefit to your beneficiaries in the event of death. We also offer temporary and permanent life insurance solutions depending on your needs.

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Life Insurance
  • Long- and short-term disability can help alleviate some of the financial stresses that can build up, giving you the opportunity to focus on getting better and getting back to work quicker.
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Disability Insurance
  • Critical illness coverage provides a tax-free, lump sum cash payment in the event you’re diagnosed with a critical illness. It provides the financial cushion to help ease the financial worry during your time of illness.
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Critical Illness Insurance
  • You may have someone who’s integral to helping you run your company – a “right hand” that, if they were to die or become disabled, it would have a significant impact on your operation. With key person insurance, you would receive a tax-free death benefit that you could use towards expenses and repayment of debts. This coverage can also be used to cover lost revenue while you’re in transition or to pay for the hiring of new talent.
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Key Person Insurance
In today’s competitive work environment having a group benefit program can go a long way in helping you attract, retain and reward good employees.

We’ve partnered with third-party providers to offer two comprehensive group benefit programs for your employees.

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Group Benefits

Traditional group employee benefit program

If you have three or more employees, our traditional group employee benefit program provides comprehensive coverage for:

  • Life insurance. The most common type of coverage among employee benefits. Provides a tax-free payment to beneficiaries to help replace the loss of income that occurs when an employee passes away.
  • Accidental death and dismemberment insurance. Provides a tax-free benefit that can help replace lost income due to sudden accidental death, or help cover the medical costs that follow the loss of a limb.
  • Dependent life insurance. Provides a tax-free benefit to the employee in the event of the death of the employee’s spouse or dependent child.
  • Short-term and long-term disability. Designed to protect employee’s income in the event a disability prevents them from continuing to work.
  • Extended health and prescription drug coverage. Pays for a variety of health care expenses from hospital stays to medications and travel accident insurance.
  • Dental coverage. Can be customized to your group’s needs.

Our traditional program also offers some innovative employer benefits not commonly found in the industry.

  • Critical illness coverage. Provides a tax-free lump sum benefit to the employee in the event the employee or his or her dependents are diagnosed with a covered critical illness. The benefit can be used for any purpose including subsidizing the cost of out of country treatment, paying down debts or taking a vacation with the family while dealing with the disease.
  • HSA Health Spending Account. An innovative plan that provides a tax advantaged solution allowing incorporated companies to deduct health and dental expenses. HSA Health Spending Account is designed to reimburse health and dental expenses to owners and employees on a non-taxable basis.
  • Acumin. Helps business owners manage their employees and performance issues by providing HR solutions including training, coaching, professional counseling services and post-traumatic intervention. Included in every Group Benefit plan offered by Federated Insurance.
  • Arive Employee Assistance Program (EAP). Puts concrete measures in place to reduce/manage company health care costs. Improves employee retention by offering sought-after services for balancing work and family life. Employee assistance services include face-to-face psychosocial counseling and telephone counselling for legal or financial difficulties, and for problems associated with childcare and for the care of elderly parents.
  • coreHEALTH+. A healthcare plan designed to meet the needs of small incorporated companies with as few as one employee and no industry exclusions. With coreHEALTH+:

    •   The employer chooses the premium
    •   The employees choose their own plan design
    •   There is no medical underwriting
    •   No quotes are needed
    •   All industries are included
    •   There are no hidden charges

    What’s more, coreHEALTH+ combines insured coverage with a “pay-as-you-go” health spending account.

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