Protect What Matters Most to Your Business: Your Family, Employees, and Future

As a small business owner, safeguarding your loved ones and employees from unexpected events is a top priority. You want to provide the kind of group benefits that larger businesses offer – benefits that not only shield your team but also help you retain the best talent who expect comprehensive coverage. However, traditional benefit plans can be prohibitively expensive for small and medium-sized businesses.

Enter PrimaSure: A Game-Changer for Your Business

PrimaSure, have found a solution. By bringing together multiple CFIB members into a collective group, they have drastically reduced administrative costs that often burden smaller companies. This shared approach allows them to offer more competitive pricing, making quality insurance accessible for your business and employees.

Through their exclusive partnership with Sun Life Financial¹ and other top-tier carriers, they've created a tailored benefit plan that caters to your unique needs as a business owner. This one-of-a-kind solution, PrimaSure Modular², is designed to provide affordable, flexible insurance options, revolutionizing the group benefits landscape for small and medium-sized businesses. It’s your chance to get more for less!

What’s Included in Your Benefits Plan?

PrimaSure knows every business is different, which is why customization is their specialty. Whether you're looking for basic coverage or a comprehensive package, they've got you covered.

Top Benefits You Can Offer Your Employees Show more Show less

Life Insurance: Peace of mind for your employees’ families in case of sudden illness or death.
Accidental Death and Dismemberment Insurance: Additional coverage in the event of accidents leading to death or injury.
Health Care Insurance: Coverage for medical expenses beyond the public healthcare system, including prescriptions, paramedical services, and vision care.
Owner Assistance Plan⁵: Free to owners, providing comprehensive support for personal and business challenges.

Want More? Show more Show less

Dental Insurance: Help employees cover the cost of checkups, fillings, and other dental care.
Disability Insurance: Replaces a portion of income if employees become unable to work due to illness or injury. PrimaSure can now offer an enhanced Residual Disability Insurance tailored for business owners. This coverage is perfect for those who can't afford to completely step away from their work. Unlike traditional disability insurance, it doesn’t require total disability. As long as the owner experiences a loss of more than 20% of their monthly income while still being able to perform key duties, they can qualify for benefits during the elimination period.
Critical Illness Insurance: Employees can use their lump-sum benefit payment to help pay for day-to-day expenses, travel during recovery, help with medical costs, etc. PrimaSure’s new provider covers more illnesses and multi payouts.
Virtual Medical: Access medical professionals instantly via an app, no waiting required.
Employee Assistance Plan: Helps employees manage personal issues.

Think about adding these…or just have these standalone Show more Show less

Wellness Spending Account: Support your employees' well-being with funds for gym memberships, nutrition coaching, fitness equipment, and more.
Individual plan offered to key employees.³
Health Spending Account⁴: Flexible funds for employees to cover medical, dental, or hospital expenses not covered by the plan.

Affordable group benefits … for as little as a cup of coffee per employee per day ² Show more Show less

Person holding coffee mug while on the computer

For many small businesses, the new and improved PrimaSure can make offering health and life insurance benefits an affordable reality.

And, if you already offer benefits, you now have more flexibility to meet your changing needs while containing costs.

PrimaSure plans are available for both self-employed workers³ and businesses of all sizes.

PrimaSure offers three levels of extended health insurance, with plans starting at $40 per month per employee, which is taken in addition to Life and Accidental Death and Dismemberment for the member:

EXTENDED HEALTH INSURANCE
-choose your level of coverage-
Bronze	Silver	Gold
Highly affordable plans providing quality coverage for health care "essentials" not typically available to small businesses from large insurers. Includes: Prescription drugs Ambulance Emergency Travel Insurance	Intermediate plans offering more comprehensive coverage. Includes all the benefits in the Bronze plan plus*: Some medical supplies Paramedical services(eg. Chiropractor, Physiotherapy) Eye exams²	Comprehensive plans offering a large array of coverage. Includes all the benefits of the Silver plan plus: Higher level of reimbursement for some items Option for Vision Care Hospital room coverage

Give your employees greater value with life insurance, dental plans and other optional coverages

Every small business is different. That’s why PrimaSure offers a range of flexible coverages to meet your needs. Here are some services that can bring more value to your employees:

Optional Services

Health Spending Account: Different employees have different health needs. Provide each employee with an annual credit, which you define, that they may use to reimburse eligible medical, dental, or hospital expenses not covered by their plan⁴.
Dental Insurance: Cover an array of dental care procedures.
Disability Insurance: Disability insurance replaces a portion of an employee’s income if they become disabled and are unable to earn an income.
Critical Illness Insurance: Employees can use their lump-sum benefit payment⁴ to help pay for day-to-day expenses, travel during recovery, help with medical costs, etc.
Other Services:
- Tele-Medical: New feature provides access to speak to a medical professional within minutes through an app!
- Employee Assistance Plan: Program designed to assist employees in resolving personal issues.
- Owner Assistance Plan⁵: Program designed to help business owners better manage the personal aspects of owning a business. Business owners can join this program at no additional cost.

Mandatory Services for the Member or Employees

Life Insurance: With Life Insurance, plan participants will receive benefits should they die suddenly or after a prolonged illness, providing peace of mind that their beneficiaries will be taken care of.
Accidental Death and Dismemberment: Accidental Death & Dismemberment Insurance is a benefit that is purchased in conjunction with Life Insurance coverage. It provides plan participants and/or their beneficiaries with additional benefits should the plan participant: die, lose a limb, become paralyzed, or lose their hearing, speech or sight because of an accident.

"We are grateful to have the Privilege Program for our employees. It allows everyone the health care they deserve, at prices they can afford. The claim process is simple, and the reimbursement time is extremely quick. I would recommend the Privilege Program to anyone."

Rhett Bradshaw
Manager of Operations
Vantage Pools and Spas
(Langley, BC)

Your Perfect Plan is Waiting.

Not ready for a full benefits plan? No problem! PrimaSure offers flexible individual plans, standalone benefits, or customized group plans that fit your business needs and budget.

Already have a plan in place but want to make changes? They can help you match your current plan or upgrade with new options.

Act today and discover how PrimaSure can enhance your benefits while saving you money. Get in touch now and let's create a solution tailored to your business.

Let PrimaSure help you protect what matters most. With them, you get the benefits and stability of big business, giving you peace of mind.

Footnotes Show more Show less

Insurance coverage is subject to all of the limitations, exclusions, terms and conditions described in the insurance policy issued by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies. This website does not form part of the insurance policy.
Insurance coverage is underwritten by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies. Rates vary depending upon average age, and other factors. Speak to your PrimaSure Account Manager for a quote.
Individualized plans (as defined in the CFIB Group Insurance Policy and subject to certain limitations) require proof of good health for each applicant. In Quebec, individualized benefits are only available for business owners and their dependents and excludes prescription drug coverage. *Restrictions May apply
A group with a minimum of 3 employees is required for a Health Spending Account (HSA).
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