Group Benefits — Common Questions
The questions that come up on nearly every first conversation.
Questions
How much can we actually save?
Savings depend on how your plan is currently priced relative to its own claims experience, your group’s demographics, and how long it has been since the plan was last marketed.
A target of up to 15% on core lines is typical, not guaranteed, and subject to underwriting. A plan that has been marketed recently has less room than one sold once and never revisited.
Does getting a quote affect our current plan?
No. A quote is an analysis. It does not touch your contract, your insurer, your rates or your members’ coverage, and nothing changes unless you decide to act.
Nobody re-enrols and no card stops working. You simply end up with a comparison you did not have.
How does the pricing analysis work?
Your plan and experience are read the way an underwriter reads them, then compared against pricing across the Canadian market. Every result is reviewed by a licensed LLQP advisor before it reaches you.
The analysis is a starting point for a conversation with a licensed advisor, not a substitute for one.