Health Insurance

• Set monthly benefit costs (no budget surprises!)
• Fully tax-deductible expense to the business if paid by a business
• Claim reimbursements are received tax-free by the claimant
• You may be able to choose how best to allocate your Health Care dollars
• Choice of limits, coinsurance, or deductibles

Health insurance allows you to pay for your medical and dental expenses in the most tax effective way possible.

If you own your own business and your family has medical and dental expenses, pay for those expenses in the most tax-effective way possible: with a Heath Care Spending Account (HSA).

HSA’s have the broadest definition of eligible expenses of any benefits plan in Canada and are reimbursed at 100%. This allows you to pay for the claims as fully deductible business expenses rather than out-of-pocket after-tax costs. As a business owner you want to make sure these expenses are paid using pre-tax dollars while protecting yourself and your family against the risk of catastrophic medical expenses.

• 100% Reimbursed
• Fully deductable
• Protects you and your family

• Set monthly benefit costs (no budget surprises!)
• Fully tax-deductible expense to the business
• Claim reimbursements are received tax-free by the claimant
• You choose how best to allocate your Health Care dollars
• No internal limits, coinsurance, or deductibles
• HSA's can be used to supplement other plans. Claims go through the HSA last
• If you are contributing to any other plan, you may claim those health and dental premiums through an HSA

Frequently Asked Questions

What Happens to Unspent Funds?

As the business owner, you may choose to carry the balance forward, meaning excess funds simply roll over into the following year. However, if you still have unspent funds from year one at the end of year two, the remaining carry forward amount is returned to the company. With traditional insurance plans, unspent funds go into the pocket of the insurance company.

A HSA allows you to pay for your medical and dental expenses in the most tax effective way possible.

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Whether you’re buying your first home and are looking for flexible payment options or are refinancing to help free up money for renovations, there’s a mortgage designed to meet your needs. We’ll work together with a mortgage professional to find the mortgage that fits best with your financial plan.

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Whether you are travelling outside your province or Canada, travel Insurance plans are designed to help protect you against the cost of unexpected emergencies that may occur before or during your trip.

Your government health insurance plans may only cover a fraction of healthcare expenses incurred outside Canada, and may only provide limited coverage if you’re travelling in another province. Unfortunately, Illness, accidents and other covered events are all-too-common and could cause you to disrupt your travel plans and leave you facing large unforeseen out-of-pocket expenses.

For information and to obtain quotations click below: