Small Business Insurance Strategist

Time - your most valuable currency

I’m guessing you are visiting my site because you are looking for how to protect what matters to you most. Right now. As you get older. When you are no longer here.

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My name is Mike, owner of The Trusted Plan

I'm a husband, dad and small business owner. As an Advisor I help protect your most valuable asset – time.

Individuals, families, and small business owners are referred to me by their own trusted advisors to open up conversation about what insurance products you may need now and for your future.

I pride myself on helping reduce confusion of my industry. My goal is to develop lifelong relationships to tailor the right solution at the right time.

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Custom Protection for You

No two businesses have the same needs, just like no two families – so different protection plans must be created. As a licensed independent broker, I have access to a wide range of the most secure insurance carriers across Canada. This means I can custom tailor protection that fits YOUR life and YOUR business needs.

The 4 Step Process

The process of creating your ideal protection for your time, family or your business follows a four-step process.

Initial Interview

Here we learn as much as possible about what matters to you the most. In person, by phone or video conferencing. Whichever you feel most comfortable with.

Education and Application

Armed with the results of your needs analysis from our initial interview, I will educate you about our options.

Policy Delivery

The heavy lifting is complete. You will now have peace of mind with your policy protection.

Lifetime Service

As your life changes, so should your plan. As your lifetime advisor let me help you when it matters the most – at time of claim.

Integrating All Your Planning

Should you require a special need in the area of accounting, tax, law, financial planning, investments, estate or business succession, my aim will be to work with your current professional team. If you don’t have access I am able to consult with independent, impartial specialists in these areas. In the event your work or health status is complicated or compromised I have access to underwriting specialists that will assist me in finding you a suitable carrier (where possible).

Learn more about specific services and products that relate to Small Business, Individuals or Families.

Small Business Individual Family

Premiums	Health Spending Accounts	Health Insurance
HSA vs Insurance Savings Calculator Register for your HSA today	No monthly premium Pay as you claim No claims = no costs One-time registration fee of $295 per corporation – regardless of number of employees or family members. Cost thereafter: 10% of claim submission.	Monthly premium required regardless of use. Increase use = increased premiums at renewal. Age at time of application can increase cost of plan. Family monthly premiums can run between $400-$600 per month
Eligible Expenses CRA’s Eligible Medical Expenses	Eligible expenses are based and governed by Canada Revenue Agency which range up to 134 medical conditions/expenses. No limits based on treatment or types of service. No deductibles No co-insurance No annual or lifetime maximums No waiting periods No exclusions due to pre-existing conditions	Deductibles and co-insurance common. Coverage limits on treatments, medications and paramedical visits. Some plans have annual or lifetime maximums on certain treatments. Drug plans often have restrictions via dispensing fees, co-insurance, deductibles and possibly generic use only. Pre-existing conditions lead to coverage exclusions.
Submitting Claims 1 Min. Video: Claims App	Completed digitally with your mobile phone or tablet. Submitting a claim takes less than 3-5 minutes. Employee receives benefits within 24-48 hrs TAX FREE Corporation gets to deduct the claim resulting in a WIN WIN scenario.	Depending on carrier, submission to rebate can take more than 1-2 weeks. Once registered some expenses may have waiting periods before being able to claim.
Application Register for your HSA today	Start to finish you can be up and running in under 30 minutes. Once registered you can retroactively expense items to the start of the month you registered.	Depending on your health and medical underwriting requirements - this can take days to weeks.
Expedited Medical Services For more details click here	Custom Care Offers a one of a kind private diagnostic and specialists access insurance. This includes: CT’s MRI’s within 3 days; access to 10 different specialists with 21 days. The cost: $20 per month per adult or $60 per month per family (regardless of number of children).	No ability to bypass public wait times if seeking diagnostic or medical treatments which may extend months to over a year.