Pooled Programs
Our Pooled Programs balance premium coverage with stable rates, effectively eliminating the volatility common to most benefits plans for groups of 3 – 20+*.
Essentials Benefits Programs
Affordable, preventative health focused
Lifestyle Benefits Programs
Enhanced, preventative health focused
Franchise Programs
Available for groups of 3+ (including owners)
Small business focused plans for groups of 3 – 20+
Essentials Benefits Program
Affordable and Balanced Coverage
- Preventative Health Focused
- Most affordable premiums
- Stability of pooled claims
Features pooled rates & claims for Extended Healthcare and Dental. Rates are based on the average age, claims, size of the entire pool. This program is a popular choice across many industries including Retail, Service, Franchise, Manufacturing and more…
Easy set-up. No medical questions required.
put your benefits plan in a superior position, with rate stability normally only available to larger employers
Lifestyle Benefits Program
Contemporary, health focused coverage
Ideal Solution for:
- Enhanced Preventative Health
- Lifestyle-focused features
- Enhanced coverage levels
Features pooled rates & claims for Extended Healthcare and Dental. Rates are based on the average age, claims, size of the entire pool.
For Growing Teams – Ideal for groups of 3—20+
take the guesswork out of benefits
ClearBenefits.ca takes the guesswork out of benefits through the spread of risk across many clients
Better Structure for groups of 3 – 20+
Franchise Program
Exclusive Features for the Franchise Industry
Our Franchise Program ensure all locations have the same rate structure through pooled rates and claims, allowing for voluntary participation and choice of coverage options, with franchisees responsible for their own premiums and administration. We have one of the only programs that meet the unique needs of the Canadian franchise industry.
Learning Center: ClearBenefits.ca Franchise Program Overview
*Pooled Programs underwritten by The Co-operators Life Insurance Company
for clients wanting stable, predictable rates
put your benefits plan in a superior position, with rate stability normally only available to larger employers