Start with everyday needs
Group benefits can include prescription drugs, dental and vision care, and other health services. Compare the coverage, limits and employee share of costs, not just the premium.
Your team
Look after the people who help build your business.
Hull Life helps business owners explore employee benefits for their team. Whether you are setting up a first plan or reviewing existing coverage, start with what your employees need and what your business can sustain.
Start a private conversationSpeak with an advisor, or prepare a brief first.
Before choosing a policy
Four questions
worth asking.
Who needs coverage, including eligible dependants?
Which benefits would be most useful to your team?
What can the business budget for now and at renewal?
What does your current plan cover, and where does it stop?
Options and tradeoffs
The details
make the difference.
Consider time away from work
Disability coverage addresses a different need from routine health expenses. Review what support a proposed plan offers if an employee cannot work, including waiting periods and benefit limits.
Make the plan workable
Discuss your budget, eligibility and how the plan would be managed. If you already have benefits, bring a plan summary and renewal information so the conversation starts with what is in place.
Common questions
A clearer
starting point.
Can we discuss benefits for a small team?
Yes. Start with your team size, priorities and budget. Available options and eligibility depend on the insurer and the proposed plan.
Can Hull Life review our existing benefits?
Yes. We can discuss your current coverage and what you want to change. A benefits summary and renewal date are useful starting points. Do not send employee medical information through the introductory form.
What will an employee benefits plan cost?
That depends on your team and the benefits selected. A conversation about your circumstances comes before a quote; there is no single price that fits every business.
General information to prepare for a conversation. Coverage depends on underwriting and the policy contract. Your circumstances require individual advice.
Further reading: Canada Life: Group benefits for small businesses
A family name behind the advice