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FAQ and Forms

Target Loss Ratio and Group Benefits

Target Loss Ratio and Group Benefits

We are frequently asked how to explain how TLR’s work. What is TLR? TLR is short for Target Loss Ratio. When selling an employee benefit plan, one thing many insurance agents would definitely keep their distance from discussing is the target loss ratio of your group...
Group Benefits- First-Year Renewals

Group Benefits- First-Year Renewals

First-year renewals can be complicated. Sometimes rates change or the plans change. How can you make sure you are getting fair first-year renewals? What do you need to know about first-year renewals? Let’s discuss both of those questions. Understanding the...
Get More for Less

Get More for Less

More For less In Group Benefits clients frequently tell advisors “I want to get more for less.” However, the reality in life is that you almost always get what you pay for. And often you will not get what you expected. That is when the true cost becomes...
Are Employee Benefits that Important?

Are Employee Benefits that Important?

Do I really need employee benefits? Are employee benefits THAT important? Let’s talk about some reasons why employee benefits are important to employees. 1. Increase Your Appeal As A Business Benefits are strategically important. They are an important way to get...
Cigna Global Customers – New Welcome Packs

Cigna Global Customers – New Welcome Packs

Health Insurance Based on direct feedback from our customers and brokers we are going digital with all policy documents. This allows us to reduce paper waste, which is more environmentally friendly. What is changing? We will no longer be sending hard copy policy...
Update to OHIP+ Coverage

Update to OHIP+ Coverage

The Ontario government has announced that effective April 1, 2019, OHIP+ Children and Youth Pharmacare will only be available to those Ontario residents under the age of 25 that do not have private insurance drug plans. Starting Apr. 1, 2019 Prescription drug coverage...

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