Protect the people who matter most

As a small business owner, you want to shield yourself, your family and your employees against unforeseen events.

You would love to provide the type of group benefits that larger businesses typically offer. These benefits not only protect you from the unexpected, but they help you retain top employees who expect coverage from their employer.

Most benefit plans are simply too costly for small and medium business owners.

CFIB has partnered with Sun Life Financial¹ and Nexim to craft a benefit plan¹ that meets your unique needs and constraints. Exclusive to CFIB members, PrimaSure is a revolution in low-cost group benefits, providing flexible and affordable insurance for business owners and their employees.

Owners also benefit from added value features which are not usually available to small and medium-sized businesses. As an owner, PrimaSure has added (at no charge) an Owner Assistance Plan to their PrimaSure Plans to help with the personal side of business. This product gives owners and their families access to short-term therapy or counselling, crisis management, financial, legal and family-related services, and so much more.

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)

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).
Service provided by HumanaCare.