Question 1

Is 3% really sustainable, or is this just a teaser rate that spikes later?

Accepted Answer

This is the right question to ask - because that's exactly what happens with traditional carrier discounts. The 3% average is not a teaser rate. It works because the pool doesn't discount new entrants to win their business. Businesses enter priced accurately from day one based on their actual claims risk. With genuine risk pooling across 1,000+ Canadian businesses and no teaser pricing, the pool has maintained this average for 11 years.

Question 2

We're happy with our current broker. Why would we switch?

Accepted Answer

That's completely valid - and you might not need to. What we'd ask is this: has your broker ever shown you a genuine pooling product averaging 3% annual increases? Do you know what commission they earn from your plan - and that it automatically increases every year as your premiums rise? If yes to both, you're probably in good hands. If not, a 15-minute conversation with us costs nothing.

Question 3

Switching sounds like a nightmare. Is it really worth it?

Accepted Answer

Switching requires real work - we won't pretend otherwise. Your benefits administrator will have paperwork, employees will need to enrol, and there's a transition period. But this is designed to be the last switch you ever make. Instead of going through this disruption every 2-3 years chasing temporary discounts, you do it once - then enjoy two-year renewal cycles at predictable rates.

Question 4

What does 'see if you qualify' actually mean?

Accepted Answer

The pool isn't right for every business - company size, industry, and claims history all factor in. Rather than promising something before we know your situation, we spend 15 minutes understanding where you are. If you're a fit, we'll show you exactly what the pool would look like. If you're not, we'll tell you that too and point you in the right direction. No pressure either way.

Question 5

Are you a broker or an insurance company?

Accepted Answer

We're an independent benefits brokerage - not an insurance company. We work on your behalf, not on behalf of any single carrier. That independence is exactly why we can offer access to Canada's best-performing pool and advocate for you at renewal time rather than just accepting whatever the carrier sends.

The honest guide to Canadian group benefits.