Let's tell you our story...
Our experience in the benefits-industry comes from the ‘ground up’. Over the years we have enrolled thousands of employees, having many one-on-one discussions and coming to understand the needs and desires of both employers and employees.
Started as a Brokerage
After 15 years on the individual side of the industry, we changed our focus exclusively to group benefits. Within a few months of making the change, we developed a process that resulted in ClearBenefits.ca becoming the single largest source of new business for the largest specialty group benefits insurer in Canada for 5 years running.
We understand the needs and desires of people we work with.
What was our strategy, you might ask?
We discovered there was no organized process for marketing, selling, and servicing specialty group benefits plans. We appreciated that our clients and others we work with had the answers, so to get a clear understanding of their needs and desires we asked:
• What goes right with a benefits plan, what goes wrong with a benefits plan?
• Why do clients get a plan, why do they get rid of a plan?
• What do clients pick a broker, why do they change a broker?
• What are clients looking for?
• What are insurers looking for?
Through a lot of questions, conversations, and a bit of trial and error, the answers became clear. The relevant stakeholders were looking for:
• A plan that is affordable
• The best opportunity for rate stability and predictability
• A well-managed, designed plan that balances risk management while providing features attractive to staff.
• Functions in the background most of the time
• Effective answers and assistance with service issues when required
Pooled Program Launch
The only constant seems to
New products and services are introduced as we continue to grow and evolve. In February 2018 we launched 2 new programs:
• Experience-Based program
• Benefits Management program