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A Collection of Voluntary Discounted Products & Services

DESIGNED ESPECIALLY FOR YOU!

Benefits - Value - Choices

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What We Do

The “Choice$” program was created by Benefits By Choice Inc. a specialist in this area, as an alternative for Corporations and Associations to offer discounted value added services to employees and members. In today’s economy, employers find it difficult to keep up with the increasing costs of normal employee benefits while Associations require more modern approaches to offerings in order to maintain membership.

We sought to create a leading edge product offering through “Choice$” to address this need through unique bulk purchase opportunities in the areas of individual coverage as well as those for small and large employers.

Watch our video to learn more!

Canadian insurers charge upwards of 35% to 40% of premiums in the first year of a small business buying a health and dental plan leaving 65% left over  to pay claims.  Ours is 15% to 20% meaning we can pay 20% more claims without any upward  renewal action.

Benefits By Choice Inc

One small business helping another

Are you tired of getting surprised by unreasonable rate increases at renewal time which don’t make mathematical or common sense?
Maybe you’ve given up on Group Benefits due to rate increases caused by high insurance company management costs?
Here’s the small business answer! Join this buying group and see your plan expenses cut in half in many cases leaving you with more money to pay claims!

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MyGroup Auto & Home Insurance

A Group plan that works for Choice$ - Over 30 years of experience managing group programs.

Our experienced professionals make adding auto and home insurance to your benefits program a simple and seamless experience. We have exceptional customer service and convenient access via phone or online. We offer flexible billing and payment options and can submit claims by phone, online or via our mobile app 24/7.

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  • An insurer can’t cancel your home policy without good reason?
  • Certain dog breeds make it hard to buy home insurance?
  • You need comprehensive  auto coverage to have things like hail, theft and vandalism damages covered?
  • If you drive a Ford Super Duty 4WD pickup you have a much greater chance of theft?

Ten Good Reasons
Life insurance can help meet a wide variety of financial goals. Here are 10 reasons consumers give for owning life insurance.

  • Cover burial & other final expenses
  • Transfer wealth or leave an inheritance
  • Help replace lost income
  • Help pay off mortgage
  • Pay home care expenses
  • Pay estate taxes or create estate liquidity
  • Supplement retirement income
  • tax-advantage way to save and invent
  • Provides funds for a college education
  • Make a charitable gift

Guaranteed Issue Life and Critical Illness insurance

Hassle free insurance coverage online

This program, administered by Benefits By Choice Inc., is designed to address the fact that over 17 million Canadians have no life insurance. Even group insurance  from employers offer an average of $45,000 across Canada and so there is a need for a solution. You can attain the program online with no questions asked and as a bonus you will be eligible to receive the Canadian Taxpayers Federation’s Action Update emails.

Plan DescriptionApply Now

Hard to insure?

Been Turned down? The answer is here!

Have you been turned down or rated for insurance in the past? This is the answer for you. If you between 18 and 60 and are working and have known conditions that have been diagnosed but not acted on, this site will provide you with an offering in most cases. If you are over 60 we have other options as well for you to look at.

Simply contact us at info@benefitsbychoice.ca and we’ll help.

We have helped clients with a history of the following conditions:

  • Heart attack
  • Stroke
  • Cancer
  • Diabetes
  • Obesity
  • HIV/AIDS
  • Major organ transplant
  • Multiple Sclerosis
  • High risk travel
  • Bankruptcy
  • Prior drug use
  • Criminal record
  • High risk avocations
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Reasons You’ll Get Declined For Life Insurance

  • Overweight or Obese
  • Income Limitations
  • Alcoholism
  • Elevated Cholesterol, Lipids and Triglycerides
  • Elevated Liver Function
  • Blood or Protein in the Urine
  • Hazardous Occupation
  • Hazardous Extra-Curricular Activities
  • Almost 10% of all disabilities involve pain, flexibility or mobility?
  • You can get a portable policy up to age 69?
  • You can qualify for up to $6,000 a month depending on income?

Portable Disability Insurance

Simplified issued disability insurance that was designed with active clientele in mind to offer coverage in the event of accident or soft tissue injury.

Type of insurance:

  • Disability insurance
    – in the event of an accident or soft tissue injury
    – in the event of an illness (optional)

Coverage:

  • 24 hour OR
  • Non-work related (accident or soft tissue injury only)

Eligibility:

  • Are between the ages of 18 and 69 inclusively
  • Currently hold remunerative work for at least eight months per year and 21 hours per week
  • Are not currently limited in terms of your movements or daily activities due to an injury or illness
  • Do not have chronic neurodegenerative chronic disease or a permanent physical or intellectual impairment
  • Are a Canadican citizen or reside in Canada and meet certain criteria
Start The Process

Health and Dental

Including Group Conversion

Maybe you don’t want any other benefits than Extended Health and Dental? Or perhaps you have lost group insurance coverage from your employer? This product offering will allow you to choose a variety of options of coverage together with a direct pay card so you won’t be out of pocket. Compare it to any other out there!

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Did you know that 32% of Canadians do not have dental insurance and that 17% of Canadians avoided visiting and dental professional because of the cost?- Source: CHMS- Dental Report 2007-2009

Many people’s  problems getting proper travel insurance result from improperly filling out medical questionnaires. People may not remember a condition or misunderstand a question. Often they are seniors with complex medical conditions.
We can help!

Travel Insurance

Travel With Peace of Mind

You work hard for your dollars, so don’t take chances when it comes to travelling out of your province of residence.  Whether it is to another province or to foreign lands far away, leave your travel insurance needs to the professionals. You can get a quote online, or request assistance by clicking the button below. Quotes are no obligation and you are offered the best coverage for the best price from the choices represented.  If you are visiting Canada we also have options for you. Click to learn more!

Get a QuoteImmigrant or Visitor?

Ledgers

Accounting, Tax and Payroll / HR Services

Get the best possible financial services for small business and their owners  and employees at discounted prices!
We feature 20% discounts for both personal and corporate tax filings for any participant! Simply send us your contact information, when you’d like to be contacted, about which service, and get ready to save money.

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  • Demand letters
  • Requests for personal financial disclosure
  • Frozen bank accounts
  • CRA garnishment to wages
  • Property liens
  • Garnishment notices sent to your customers

When we act for you,  we’re there in the tough times assisting with problems like these!

Mental health disorders are now the fastest- growing and most costly kind of health disability in Canada. Between 10% and 40% of people with the costliest chronic conditions (e.g., diabetes, hypertension, pain, heart disease) also have depression.

HumanaCare

Assistance for your health and well-being

Sometimes we or our families need help in areas that can affect our daily lives but don’t know where to turn. Humanacare provides employees assistance for families, second opinion medical and advice on eldercare together with a Critical illness insurance benefit. Normally only available under group plans, Choice$ provides this for you!

Plan Description
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Services

Simple. Convenient. Comfortable.

We’re here to help you live better. Alliance MedPack makes managing medications simple so you take the right medication, at the right time, every time.

FREE!

The pharmacy
that comes to you

Free next business day delivery across Canada and private counselling by phone.

Less worry about
more living

Free next business day delivery across Canada and private counselling by phone.

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Dog Insurance Facts: Did You Know?

  • The average emergency vet bill for a dog is more than $700
  • The average dog visits the vet nearly three times per year
  • 76% of veterinarians would like to see more dog owners with pet insurance
  • You could more than pay for an entire year of dog insurance with reimbursement from one incident

*According to Packaged Facts, Pet Insurance in North America, 2010 report*

Medical insurance for the life of your pet

Trupanion helps make sure you can afford the care your pet needs when they get sick or hurt, no matter the cost. And they can pay your veterinarian directly at checkout—giving you the freedom to walk out the door paying only your share of the bill.

As the largest pet health insurance company in Canada and with a policy built by veterinarians, we know what it takes to keep your best friend by your side with discounted rates!

Enroll Your Pet