Group benefits are important, not only for the financial assistance they offer, but also for the security and peace of mind they provide for you and your employees' family should unforeseen needs arise.
It all starts with our belief that the right employee benefits solution can help you reach today's goals and stretch for tomorrow's. We take the guess work out of plan design to deliver the most meaningful coverage possible.
We work for you – independent of any insurers or wholesalers. We are seasoned experts with objective advice, we negotiate with your insurers to reduce costs, resolve issues and advocate what matters to you and your employees.
We do things a little differently!
The pricing of group insurance is dependent on many factors including:
All the above items are known entities with the exception of the level and frequency of claims. Differences in pricing amongst insurers result from their assumptions regarding future levels of claims, non-claims costs or retention, reserve requirements, and the method used for calculating renewal rate adjustments.
Sound Confusing...Let us do the work for you!
Group insurance pricing is influenced by the underwriting method or level of risk taken on by the insurer. Several funding and financial arrangements are available, each resulting in a different level of risk for the insurer and the insured. We'll guide you through the options and help you find a balance you're comfortable with.
Our CPHR certified consultant offers customized management consulting services in:
Our Certified Master Workplace Wellness Consultant and Certified Professional Ergonomist can provide training/education for all levels of personnel, assisting organizations in developing and implementing Corporate Health and Wellness initiatives/ergonomic programs. Services include:
After attending both UNB and UNBSJ, Robert began his career 21 years ago with London Life as an independent financial advisor. During his time there he quickly became acquainted with the local group benefits wholesaler and developed a passion for group benefits and group retirement solutions. Working closely with business owners Robert has applied the skills he honed as an insurance advisor to developing corporate planning strategies specific to his executive clients.
Robert attained the BPHA (benefits & private healthcare associate) designation which he completed in August of 2020.
Atlantic Benefits Collaborative
44 Ashgrove Crescent, Saint John, New Brunswick E2M 5Y9, Canada
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