Group Health Insurance - Employee Benefits
Strength in numbers to protect your bottom line
Affordable health insurance, employee benefits, and tailored solutions for small business owners. Save time, reduce costs, and keep your team covered. Small businesses with as few as three employees (including the owner) can qualify for group insurance.
Western Financial Group is an award-winning brokerage whose group health insurance experts recognize the importance of offering an employee benefits program to your most essential asset – your people.
Advantages for your Business
We promote two fundamental advantages by offering:
- Sustainable savings through the removal of excess cost layers
- Rate stability through a pooled approach, creating strength in numbers and limiting the rate impact of your employee’s claims
Customizable Coverage to fit your Needs
The main components of an employee benefits program include extended health care and dental care coverages such as:
- Professional services
- Prescription drug coverage
- Dental care
- Hospital, ambulance coverage
- Vision coverage
- Travel coverage
- Health-care spending accounts
- Virtual Health Care
Learn more about our TotalGuard Employee Benefits Plans
TotalGuard is an exclusive group health insurance solution offered by Western Financial Group with an average of 8% savings for qualified members. Western Financial Group maintains full administrative control of TotalGuard, providing industry-leading customer service, an easy-to-use benefits administration platform, and comprehensive reporting and analytics to help small and mid-sized businesses manage employee benefits efficiently.
Making group benefits easy
Pay-Direct Drug/Dental Card: Provides each employee with a pay-direct drug card that pays for prescription drug and professional services electronically at the point of sale.
If you run a business with at least three employees, call us and speak to one of our licensed insurance advisors about a group employee benefits plan.
Western Financial Group is uniquely positioned within the benefits industry and it has been helping Canadian businesses for over four decades.
Why Choose Western
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We shop across trusted providers to find you the best coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
Fast, Personalized Advice
Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
FAQ's
What is Group Employee Benefits in Canada?
Employee benefits are non-wage compensation provided to employees in addition to their regular salary or wages.
Are employers required to provide employee benefits in Canada?
Only certain benefits are mandatory under federal or provincial employment standards.
How does health insurance work in Canada if we already have public healthcare?
Public health covers basic medical services (e.g., doctor visits, hospital care).
What is a group benefits plan?
A group benefits plan is an insurance package provided by an employer that covers multiple employees under a single contract.
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