At Brown Benefits, we strive to design and implement benefit plans that fit business owners budget and priorities. We strongly believe in a collaborative process that leaves employers and employees with a plan that positively affects the success of their business.
Life Insurance can help aid a future financial burden for your loved ones, and should serve as a building block for your financial plans. As licensed insurance brokers, we have access to wide ranging solutions. We work with clients to design strategies that best suit them.
Most people donʼt realize that the life insurance sold by mortgage lenders is different than the policies sold by life insurance agents and brokers. It sounds like a great deal at the time but mortgage insurance or creditor insurance can have a number of drawbacks.
One can face many challenges with the operation of a business – from managing day to day tasks to achieving long term success. If you or a key person dies, these challenges may include ensuring your business continues to generate income to cover; operations, taxes and debt financing that your beneficiaries are left to deal with.
What would your family do if you became seriously ill and were unable to work? These circumstances would be stressful for anyone; the last thing you want to deal with is financial strain at the same time.
If you become disabled, your ability to earn income may be compromised, and your ability to pay bills or save for retirement may decline. The peace of mind that income protection can provide is available for professionals, business owners, business executives, and full-time, part-time or home-based workers.
Self Insured Plans
Administrative Services Only saves your company money, gives you more control over your benefit plan and stabilizes your annual costs. You will no longer be saddled with inconsistent renewal increases. With ASO, you make the rules. You control your options, risks, and costs.
Group Retirement Planning
A company retirement plan can be the best way to accumulate savings for retirement. These plans have many benefits including low cost, immediate tax refunds, deductions at the source, and access to a full range of investment options.
Private Health Services Plans
Private Health Services Plans help self-employed individuals with employees and
incorporated companies by paying their health and dental expenses in a tax-effective and cost-efficient manner.
For millions of Canadians comprehensive emergency travel coverage has become an essential part of their holiday plans.While travelling outside your own province, some medical and paramedical expenses may only be partially covered by your provincial health insurance program.