About us — our evolution

Our experience in the benefits industry comes from the ground up. Over the years we have enrolled thousands of employees, held many one-on-one conversations, and come to understand the needs of both employers and employees.

Where we started

1988 — General practice roots. ClearBenefits.ca traces its roots to a general insurance practice focused on listening first and building plans that fit real life.

2002 — Shift into group benefits. After deep work on the individual side of the industry, we changed our focus exclusively to group benefits. Within months we built a process that helped us become a major source of new group business for leading Canadian insurers — not by chasing every line of business, but by getting the fundamentals right for employers and advisors.

2007 — ClearGroup launch

A client asked whether many employers could be combined into one buying group to stabilize rates. That question led to our first pooled program in March 2007 — today presented as ClearGroup, the stability path for groups 3–20+.

2025 — ClearOne launch

We formalized ClearOne as the access path for 1–2+ lives, contractors, mixed workforces, portability-driven needs, and other cases where conventional group is not the right fit — without losing the discipline of proper design and advisor-led implementation.

How we think about the work

We discovered early that there was no single organized playbook for marketing, selling, and servicing small group plans at quality. So we asked better questions — of employers, employees, and insurers — and built repeatable process around the answers: affordability, predictability, well-managed design, and responsive service when something goes wrong.