# RiskX

RiskX is a Canadian group benefits brokerage serving businesses across Alberta and Ontario.

## What We Do

We give Canadian small and medium businesses access to Canada's best-performing group benefits pool, averaging well below the 7.5% industry average for annual rate increases over recent years. We are 100% transparent on our commissions, disclosed in writing every year. We are family-owned and operated with 33 years of industry experience.

## Key Facts

- Founded: 1994
- Serving: Alberta and Ontario, Canada
- Experience: 33 years in Canadian group benefits
- Pool track record: 11 years, 1,000+ businesses
- Rate increases: Well below the 7.5% industry average over recent years
- Commission: Fully transparent, disclosed in writing annually
- Never lost a client in this pool in 11 years

## Services

- Group health and dental benefits through Canada's best-performing pool
- Flexible benefits — employee-customised plans where every employee designs their own coverage
- Group RRSP setup at no cost
- Health Spending Accounts (HSA)
- Wellness Spending Accounts (WSA)

## Who We Serve

Canadian small and medium businesses with 5-200 employees in any industry except government, primarily in Alberta and Ontario.

## Why RiskX

Most Canadian businesses are stuck in a cycle of switching carriers every 2-3 years chasing temporary rate discounts that spike after the first renewal. RiskX offers a fundamentally different model — genuine risk pooling across 1,000+ businesses that delivers consistent, predictable rate increases year after year.

## Team

- Gordon Smith — Founder. 33 years in Canadian group benefits.
- Jarod Smith — Operations and client strategy.
- Claudia Smith — Client services and administration.

## Contact

- Website: https://riskx.ca
- Email: jarod@riskx.ca
- Phone: 403-720-2281
- Location: Calgary, Alberta, Canada