bi·o
“from Greek bio-, combining form of bios, one's life, course or way of living, lifetime…”
ben·e·fit
“something that is advantageous or good - a payment or gift, as one made to help someone or given by an employer, an insurance company, or a public agency”
we help Canadian companies protect their people
Our employee benefits program is tailored to serve Canadian agri-tech, clean tech, ed-tech, energy, environmental, food & beverage, fintech, healthcare (wellness), medical device, pharma and social impact companies.
We offer access to a shared pool of healthcare claims, helping employers spread their employee benefit costs and risk across companies with similar profiles. The pool has helped Canada’s growing life science sector realize more predictable and sustainable plan costs, without sacrificing the comprehensiveness and flexibility that today’s talent demands.
Launched in Ontario, in 2017, we are Canadian and the first national employee benefits program design for life sciences, and through partnerships with industry organizations like, BioTalent Canada and Life Sciences Ontario (LSO), we are the provider of choice for employee benefit plan design and wealth management within our specialized markets.
If you’d like to learn more about how we can help your employees benefit for life, our team welcomes the opportunity to hear from you.
how we help
Employee Benefits
We tailor your plan design to the needs of your business and employees, and backed by our nation-wide pooling arrangement, our pricing offers the stability growing companies require. If our program isn’t right for you, we have access to most Canadian insurers and providers to help guide you to the best offer (including Healthcare Spending Accounts).
Executive Benefits
Entrepreneurs build and innovate, and they are essential to a business’ success. Loss of a founder or other key person due to death, disability or critical illness can have a significant impact on a business’ continued operations; resulting in lost revenue, restriction of credit, replacement costs or change in control. Transferring these risks to a life insurer via premium deposits can provide your business with the peace of mind and predictability of knowing your risk is limited to the cost of coverage.
Wealth Benefits
While health benefits protect employees from unexpected healthcare cost, they are only one component of employee compensation. Helping your most valuable asset (employees) reach their financial goals can be as equally important. We can design and arrange a low-cost, tech-enabled Group Retirement Savings Plan, backed by top Canadian portfolio managers.
Portable benefits
Not all workers are employees, and not all employees are eligible for benefits. For organizations and workers who prefer the flexibility of contractor arrangements, protecting contractor health is key for a productive workforce and their wellness benefits everyone. We offer a comprehensive, portable, multi-provider insurance plan for independent Canadian workers not covered by traditional group plans.