Small Business Insurance Strategist

Planning for life’s inevitable, unexpected events and its impacts on our lives is often perceived as time consuming - but it doesn’t have to be.

My integrated advisory service protects your time through a seamless digitized process and can be facilitated with the ease of your mobile phone.

How can I help?

As a husband, dad, son and an incorporated business owner my role is to help protect what matters to you most today, as you grow older and when you are no longer here.

Whether you are a newly graduated professional or a seasoned small business owner our journey together will determine how to best protect your most important asset – your health.

Your health is ultimately your wealth and can impact your time at home or work.

Should an unexpected injury, illness or death present itself, the plan we build together will ensure that we create and preserve liquidity when you need it most.

Customized, Collaborative Advisory

Small business or professional practices require access to specialized expertise in the areas of tax, law, accounting, investment, or estate planning services.

Risk management planning – in some cases - requires integration with these respective specialists. I can work with a client’s existing team or I can provide a referral to one of my trusted, professionally designated alliances in order to accomplish our holistic needs.

Learn more about my process

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.