Employee Group Benefits Insurance

We offer comprehensive group benefits insurance programs for all types of businesses.


We tailor affordable group benefits insurance for businesses with any number of employees to meet their needs. 


We can help you build a group benefits
insurance plan that can include any
of the following coverage:

  • Life insurance and (AD&D) accidental death & dismemberment coverage
  • Short & long-term disability coverage 
  • Healthcare benefits, prescription drugs coverage, hospital care, nursing care coverage, medical device and equipment coverage
  • Out-of-country travel medical coverage
  • Vision care and paramedical services
  • Dental care benefits
  • Group critical illness coverage
  • RRSP and pension investment/management strategies


We also provide:

  • Group RRSP Savings Plans
  • Group Accident & Dismemberment Plans
  • Group Critical Illness Insurance Plans

What our customers are saying:

"We are very pleased with the employee group benefits insurance program that Mike and his team have put together for us.  They were very attentive to our individual needs and they delivered very good value."

Sharon Rhynold - Vice President of G & R Kelly Enterprises Ltd



Our Advantage:

We represent most of the group insurance companies in the Canadian market place. This allows us to thoroughly shop the marketplace for you to obtain the best value for your group insurance premiums.


So, why should employers consider purchasing a group benefits plan?
1) Provides affordable medical protection for employees and is a deductible expense
2) Shows a commitment to employees by employer
3) Easier to attract new employees and stronger employee retention

Many drug plans now offered by the insurance companies in Canada are generic drug plans. Insurance companies are offereing these types of plans to help make drug plans more affordable. To learn more on generic drug plans, please watch the following video: 


Generic vs brand name drugs



Testimonial: “I highly recommend Mike Fralick & Vineeta Fralick, Fralick Financial & Insurance to manage your business insurance portfolio.  Mike and Vineeta's efforts produce high quality results, through demonstrations of strong initiative and incredible dedication.  They have had an amazing impact on their clients business - instrumental in instituting benefit plan designs that make sense, with a focus on cost savings and benefits education.  They are extremely organized; diligent with detail; easily reachable and build authentic, honest relationships.”
Brenda Gamble – Group Benefits Account Executive with Desjardins Assurance

Please contact us for additional information regarding your group benefits insurance needs.


For more information on the benefits insurance industry, please visit the Benefits Canada website.

Tweets from Mike Fralick @FralickFinance


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© Fralick Financial and Insurance Inc. is an incorporated financial services and insurance brokerage operating in Canada. Copyright 2009 Fralick Financial and Insurance Inc. All rights reserved.