Health & Dental Insurance Online

Now you can buy individual and family health and dental insurance directly online:

For Manulife FlexCare and FollowMe plans click HERE 

For Sun Life HCC conversion health plans click HERE

For Sun Life PHI personal health plans click HERE


What type of coverage do you most need help with?
Life / Mortgage Insurance
Disability Insurance
Employee Health & Dental Benefits
Critical Illness Insurance
Personal Health Trust/PHSP
Total votes: 266

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Being kept from your business by a disability or illness isn’t something owners like to think about. Who would? But it’s important to be aware of the coverages available to manage potential risks, and whether they are required in your situation.

For the plans below, evidence of good health is required in order to qualify. Pricing is based on the age, gender, occupation and smoking status of the applicant, and also the structure and total amount of insurance applied for.

Long Term Disability (LTD) Insurance

LTD insurance protects a business owner’s income in the case that a disability or illness or accident prevents them from working. The coverage amount is based on a percentage of their income, and the benefit can be structured to pay out after a 30 to 180 day waiting period. The coverage can be set up to pay disability benefit for a five year period or to age 65. If premiums are paid personally, any disability benefits received are non-taxable.

If there are at least two owners or employees to insure, an Income Loss Replacement Plan can be arranged, which means that the premiums are a tax deduction for the business.

There are a variety of coverage riders are available; the most important of which are:
o Partial Disability coverage, which allows a proportionate disability payment in the event the insured is able to work but in a reduced capacity.
o Cost of Living Adjustment (COLA), which indexes disability payments for cost of living increases each year. This option is especially important for younger business owners.
o Future Earnings Protection Option (FEPO), which allows the insured to add increasing coverage as earnings increase, without having to provide evidence of good health. This is a good benefit to select when income will be rising in the near future.

Business Overhead Expense (BOE) Insurance

BOE insurance pays ongoing business expenses in the event a business owner becomes disabled. This plan can be structured on a reimbursement basis, although a lump sum monthly benefit is preferable. The BOE benefit can help to keep a business running while an owner recuperates. Items such as equipment, building or vehicle leases, and staff wages can be covered. The premiums are tax-deductible for the business. Benefits are taxable if received; however tax deductions for the overhead expenses being paid by the business offsets this.

Critical Illness (CI) Insurance

CI insurance provides a tax-free lump sum in the event of serious illness, such as cancer, heart attack or stroke. Most insurers offer plans that cover at least 22 illnesses. The benefit payable can be used to seek private medical treatment or care, pay personal expenses such as a mortgage, or for business purposes, such as hiring an interim manager. The plan can be structured to provide a return of premiums if no claims are made. Critical Illness coverage is available in amounts ranging upwards from $25,000 to several million dollars. For situations where disability insurance is not available, or is too expensive, clients may consider purchasing CI insurance.


Benefits Plans

True Benefits can help you find the best employee benefits plan.

We have access to over 25 insurers.

Clients Say:

"Rachel is professional, courteous and very knowledgeable while providing outstanding customer service. She is well prepared, delivers personal service, and understands our desire to provide the best possible benefit plan to our employees in the most cost effective manner."

Anne, HR Manager

"I appreciate having a person who is both local and accessible, and was impressed with the initial presentation outlining the options available to us. It is extremely helpful to have Rachel advocating on our behalf."

Sarah, Business Owner

"True Benefits has totally met our needs. Rachel gives personalized attention, and is very thorough. She has suggested many good ideas that we have used to benefit our employees."

Vicki, Controller

"I have referred many clients to Rachel in the past, and without exception, they have all commented to me on her professionalism, vast industry knowledge, great service, and fast response time."


Thank you for everything that you have done for our family. We are grateful for all your hard work. We look forward to working with you again in the future.


"True Benefits has an understanding and awareness of the importance of an effective benefits program. They're proactive in looking for cost effective improvements to plan design and cost containment strategies. My expectations were exceeded - Rachel delivered as promised in a timely manner."

Norrey, CFO

"Thank you Rachel. Great service as always. You anticipated our needs."

Pam, HR Director

I used True Benefits to sort through a tricky health insurance issue related to immigration status and an expired work permit.  Rachel recommended a cost effective solution and quickly verified the policy was the best choice for my situation.  My new health coverage was effective within 2 hours of my initial call to Rachel!  I highly recommend working with Rachel at True Benefits for cost effective solutions and friendly and efficient service.


Your attention to detail and willingness to never to never take "no" for an answer on my behalf left me in awe of your business ethics.

I will continue to use your services, based on your work ethic and my ability to trust that the policy you are suggesting is perfect for me.