Proprietors.
When you work for yourself, benefits stop being someone else's job. I arrange personal health, dental, life, and disability coverage for independent contractors and owner-operators, and for the families who count on them.
You're the business. You should be covered like it.
When you leave a salaried job or run your own shop, the group plan leaves with the paycheque. No one is enrolling you, filling out your claim forms, or checking that your family is properly covered. That job becomes yours, on top of running the business.
I build a personal plan around you: health and dental for the everyday, life and disability for the what-ifs, and, if you're incorporated, a Health Spending Account that runs eligible medical costs through the business. The same hands-on administration our group clients get, sized for one household.
Coverage that follows you, not an employer.
Individual Health and Dental
Prescriptions, dental, vision, and paramedical, plus the everyday costs a provincial plan leaves on the table. Coverage in your own name that moves with you.
Life Insurance
Protection for the people who depend on your income. Term or permanent, sized to your mortgage, your family, and the years ahead.
Disability and Income Protection
If illness or injury stops you from working, this replaces the paycheque you no longer have an employer to backstop. The benefit self-employed people most often skip, and most often need.
Critical Illness
A tax-free lump sum if a covered condition such as cancer, heart attack, or stroke is diagnosed. Money to cover the gap while you recover, used however you choose.
Health Spending Account
If you run a corporation, a Health Spending Account lets you pay eligible medical and dental costs through the business as a deductible expense. We set it up and run the claims side.
A plan built around one household, run like a group program.
We start with your situation
One conversation about your household, your business structure, and what you already have in place. No forms to fill out before we talk.
We shop the market
We're independent, so we compare carriers across Canada and bring back the plan that fits your family, not the one with a house quota to hit.
We handle the paperwork
Applications, medical questionnaires, and setup. For incorporated clients, we coordinate the Health Spending Account alongside your accountant.
We're here after the sale
Claims questions, coverage changes, and a yearly check that the plan still fits your life. You call us, not a 1-800 line.
Independent contractors, incorporated professionals, consultants, tradespeople, and owner-operators. Anyone who works for themselves and wants their family covered the way a good employer would.
Let's build a plan for you and your family.
A short conversation is enough to start. I'll come back with options that fit your household and how you're set up.