We run your group benefits program so you don't have to.
We provide consultation and administration of every aspect of Group Benefits, Group RRSPs, Health Care Spending Accounts, and Travel Insurance. At no extra cost.
We broker.
We work with every major Canadian carrier to find the one that best fits your company. No house carrier, no quotas.
We manage.
Enrolment, mid-year changes, claims questions, renewals. We run the whole program so your HR team doesn't have to become benefits specialists.
We're here.
Year-round support for you and your staff. Questions and claims come through us, not the carrier. Quicker and more accurate replies every time.
Every aspect of your benefits program.
Employee Benefits
Spending Accounts
Group Retirement
Travel Insurance
Privately owned, and small on purpose.
Large brokerages are public companies, accountable to shareholders for stock price, revenue growth, and profit margins. Morris Financial is a privately owned corporation, so our highest priority is unmatched service, with no quarterly target pulling our attention away from your plan.
That is also why we limit the number of clients we take on. I won't grow this firm to the point where we have to hire less experienced people to service you. My plan is simple: superior expertise and personal service for a limited group of clients who want exactly that.
About Morris FinancialThe difference is the admin.
Most brokers sell you a plan. We run it for you.
We fill out the claim forms.
For deaths and disabilities, we complete the claim forms ourselves. The information gets presented the right way the first time, which means a higher percentage of approved claims than other advisors.
Your staff calls us, not the carrier.
Questions and claims come through us, not a 1-800 line. We give quicker, more accurate answers, and we know how to present things to the carrier in a way that actually gets results.
We hunt for savings nobody asks for.
Every year I do an in-depth review of your claims and demographics to find issues that could reduce premiums. I also look for public and private programs we can shift eligible claims to.
We work with every major Canadian carrier to find the one that fits your company.
Carriers compete hard for our clients. Because we know benefit plans and administration inside out, our clients are straightforward for a carrier to manage, and client turnover is one of the largest costs a carrier carries. So carriers discount to win our business, and they keep discounting at every renewal to keep it. That leverage works in your favour.
No house carrier. No quotas. We shop the whole market on your behalf.
Premium increase proposed by the carrier, negotiated to a rate reduction.
The insurer came in with a 37 percent premium increase. We pushed back, ran the claims and demographic analysis, and walked away with a 4 percent rate reduction instead.
Ready for a benefits program that actually gets run?
I'd like to meet face to face to answer every question and concern you have. Financially, this will be a very wise investment of your time.