Review or Switch Your Group Benefits
A big renewal increase does not have to be the final word. We connect Ontario employers with licensed advisors who review your plan, negotiate your renewal and compare the market.
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Unhappy With Your Benefits Renewal?
Benefits renewals often arrive with an increase and little explanation. Many business owners assume they have no choice but to accept it. You do. Group plans can be reviewed, redesigned and taken to market like any other business expense.
A licensed benefits advisor can explain what is driving your renewal, negotiate with your current insurer, and compare quotes from others, then manage the switch so employees do not lose coverage.
Connect NowHow CommercialInsurance.ca works
We are not an insurer or an advisor. We find you the right one.
Matched by need
We connect you with an advisor who works with businesses and families like yours.
Licensed life and health advisors
Life and health insurance advisors in Ontario are licensed by the Financial Services Regulatory Authority of Ontario (FSRA).
Fast follow up
Once we receive your information, a professional in our network will connect with you within 24 hours.
No cost to be matched
Our referral service is free. You deal directly with the advisor for quotes and coverage.
Why renewals go up
Your claims experience
High drug, dental or disability claims in the past year push rates up, especially for larger groups whose rates reflect their own experience.
Health care inflation
Insurers add a trend factor for rising drug and service costs, even for groups with low claims.
Changes in your team
An older workforce, more family coverage or a change in headcount can all affect pricing.
How to review or switch your plan
Start 60 to 90 days before your renewal date.
Gather your documents
Your renewal notice, plan booklet, recent claims reports and employee census.
Get an independent review
An advisor analyzes the renewal and challenges the assumptions with your insurer.
Compare the market
Quotes from other insurers are compared on price, coverage and service.
Manage the transition
Your advisor coordinates the change so there is no gap in coverage, including employees on disability claims.
Switching Benefits Provider FAQs
When should I start reviewing my renewal?
Ideally 60 to 90 days before the renewal date, so there is time to negotiate and compare quotes.
Will employees lose coverage if we switch?
No, if the transition is managed properly. The new plan starts the day the old one ends, and employees on existing disability claims are handled under transfer rules.
Can we reduce cost without cutting coverage?
Often. Options include adjusting plan maximums, adding a drug formulary, changing the cost sharing, or adding a health spending account instead of richer coverage.
Does it cost anything to review our plan?
Being matched with an advisor through CommercialInsurance.ca is free.
What to expect from a benefits advisor
A licensed advisor handles the details so you can make a clear decision.
1Discovery call
Share who needs coverage, what matters most and your budget. For businesses, bring your current plan and renewal if you have one.
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2Plan design
Your advisor recommends coverage levels and cost sharing that fit your needs, and explains the trade offs in plain language.
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3Compare insurers
Your advisor gathers quotes from multiple insurers and compares price, coverage and service side by side.
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4Enrol and support
Once you choose, your advisor handles the application and enrolment, and stays available for claims questions and renewals.
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