Join The Group
The Chambers Plan Group Retirement Savings Plan In Saskatoon

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we share information on The Chambers plan group retirement savings plan.

The Chambers Plan offers an innovative group retirement savings plan designed to help Saskatoon businesses like yours be competitive and assist in your employees’ future financial needs.

Stay Competitive With a Group Retirement Savings Plan

  • Submit contributions
  • Access support tools and reports that are easy to read and understand.

group retirement savings plan

Having access to our online retirement planning tools, statements, and educational materials, Chambers Plan Group Retirement Solution works well with your company’s overall compensation approach by enhancing the future financial security of your employees and their families. Implementing a comprehensive retirement savings plan will help you to stand out when recruiting and retaining employees and create a sense of long-term loyalty and pride in your team.

Benefits to Your Employees

  • Low fees. The investment management fees (IMFs) in a group plan are typically lower than the management expense ratio fees charged by individual mutual funds and banks.
  • Immediate tax savings. Employees see immediate tax savings with the group RRSP if contributions are deducted from their gross pay, which means they pay income tax only on the reduced amount.
  • Simple online administration:
    • Fast and easy online enrolment
    • A secure website featuring comprehensive education and support tools
    • Ongoing online administrative support, including access to live support through our customer service centre and from licensed financial education specialists
    • An annual statement that is mailed to the employee’s home, summarizing account activity

See related YXE Benefits posts on group benefits.


We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

 

What Is Stop Loss Insurance?

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we share an article by Benefits Canada on stop-loss insurance.

YXE Benefits Saskatoon

Stop-loss Insurance takes claim off the Employer’s shoulders

When an employee has a health issue requiring expensive treatment, the associated high-cost claims can be significant for their benefits plan sponsor. But it’s impossible to predict when a large claim will arise, so stop-loss insurance, which takes the claim off the employer’s shoulders, is one option to help protect against these unexpected costs.

As a type of insurance policy that sits on top of a benefits plan, stop-loss is available to both fully- and self-insured plan sponsors. When choosing stop-loss insurance, an employer selects a threshold up to which it can reasonably cover claims — ranging from between $10,000 and $100,000 — and any claims beyond that will be covered by the policy.

Stop-loss not a substitute for plan management

The main benefit of stop-loss insurance is its ability to protect the Saskatoon employer from catastrophic claims. Forstop loss insurance
self-insured groups, it primarily acts as a budgeting tool so there aren’t any unexpected hits that could affect accounting.

On the other hand, stop-loss can become costly. While a claim may be mitigated in the first year, premiums can rise
in the following years, essentially providing only short-term stabilization. This is especially difficult if the claim is reoccurring, which is the case for most drug claims.

“Stop-loss doesn’t help you avoid cost; it simply helps you prevent an unexpected surge in costs in a given year. It’s not a substitute for plan management.”

Another drawback is that most plans only have a single market for stop-loss insurance, meaning employers can only purchase it from one group, typically their own health insurer, which limits them to that insurer’s quote.

To limit risk, employers can use a pre-existing condition clause for an employee’s first year of employment by setting benefits to a specific limit so they can’t bring in unexpected expenses. Another option is to put a limit on drug reimbursement levels or incorporate provincial drug programs into the benefits plan.

While stop-loss prevents large, unexpected claims from affecting a plan sponsor, it’s important to understand that issues can still arise after a claim is made and employers should be aware of all the available options, so they can make a decision before it’s too late.

See related YXE Benefits posts on health insurance.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Greater Saskatoon Chamber Of Commerce members.  In our latest post, we reveal our YXE Benefits Branding Video and how al the moving parts of YXE advisors, The Chambers Plan and the local Chamber fit together.

YXE Benefits Branding Video.

The YXE Benefits and our marketing team at Trusted Marketing Services have spent the past 6 months filming various scenes around Saskatoon and we are proud to launch our YXE Benefits branding video to Saskatoon.

We wanted to explain who we are, what we do and showcase some of our clients and the community activities that we engage in as exclusive representatives of the Chambers Plan in Saskatoon.

Thank you to Ryan Sutherland at Shoeless Joes and Garry Derenoski at Bridge Health for taking the time to share why you chose the Chambers Plan for your companies group benefits.

 

If you are interested in finding out more we strongly encourage you to attend a Chamber 101 event in Saskatoon. Non-members can attend this free event hosted by the Greater Saskatoon Chamber of Commerce. – see the list of events and dates here: http://members.saskatoonchamber.com/events 

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

Workplace Flu Vaccination Clinics Information From YXE Benefits Saskatoon

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Greater Saskatoon Chamber Of Commerce members.  In our latest post, we shed light on what Saskatoon Employers should know about Workplace Flu Vaccination Clinics and the benefits of them for your employees.

What Employers Should Know about Workplace Flu Vaccination Clinics

The flu is a highly contagious and common viral infection. Every year, up to 10 per cent of people in Canada are affected by the flu, according to the Canadian Red Cross. For generally healthy people, the flu may just be an inconvenience. They may need to stay home from work for a few days until they’re feeling better. For others, the flu can be very serious. In fact, the flu is one of the top 10 causes of death in Canada. Every year, approximately 3,500 people in Canada die from this illness, according to the Government of Canada.

To help employees stay healthy, some employers are now offering workplace flu vaccination clinics. Here’s what you need to know about these clinics.

YXE Benefits SaskatoonHow Workplace Flu Vaccination Clinics Work

When employers offer workplace flu vaccination clinics, employees can receive their flu shots during the workday. Typically, a private area of the office will be set up for the clinic. A registered nurse will administer the shots.

For efficiency, you can have employees pre-register for the times they’d like to receive their shots. Instead of waiting in line, employees can continue working right until it’s time for their vaccinations. After they receive their shots, they can head right back to their desks.

Benefits Of Flu Vaccination Clinics To Employees

You’ll make it easier for your employees to get vaccinated by providing flu shots in the workplace. They won’t need to miss work to see their family doctors or to wait in line at a walk-in clinic. Instead, they can quickly get the vaccination during their regular workday, with no time-off required. Employees who tend to forget to get the flu shot may remember to get vaccinated due to your convenient clinic.

By receiving the flu shot, employees can reduce their risk of getting sick. According to the Centers for Disease Control and Prevention (CDC), getting the flu shot reduces the risk of contracting the flu by between 40 and 60 per cent overall. The effectiveness can vary widely from one season to another. Being less likely to fall ill is a major benefit for employees. When employees don’t get the flu, they can feel better and stay healthier.

Workplace Flu Vaccination ClinicsYour Business Will Benefit, Too!

The flu can be serious for individual people and businesses alike. When employees are sick with the flu, they should be at home resting. Employees who come to work while they’re ill won’t perform well and they could infect their coworkers. Employees who stay home and rest won’t be productive until they return. By providing easy access to flu shots to your employees, you can help avoid these problems.

When fewer employees get sick during the flu season, your company can remain more productive.

Providing flu shots also helps employees feel valued. Not every company offers flu shot clinics to its employees. By providing a flu shot clinic, you’ll help your company stand out from the competition and strengthen your business. Employees will know they’re receiving a unique benefit from your company and that you care about their health.

Getting Started

It’s easy to add a workplace flu vaccination clinic to your selection of wellness programs. To get started, contact the Saskatchewan Health Authority for more information. Appropriate agencies are qualified to administer the flu vaccine.

Once you’ve arranged the clinic, communicate the details to your employees. Use a variety of methods, like emails, posters and in-person meetings to advertise the clinic. During the clinic, you can set a good example for your employees and get your own vaccination.

The flu can be a serious illness, but you can help protect your employees with a workplace flu vaccination clinic. Set up your clinic today and you can enjoy a healthier flu season at your workplace.

See related YXE Benefits posts on workplace flu.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

2019 Top Trends in Health Benefits Shared by YXE Benefits Saskatoon

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we share an article on the 2019 top trends in health benefits.

 

Top Trends in Canada Health Benefits in 2019

  1. Heard of Telemedicine?

Many insurers have established partnerships with providers of telemedicine, and are actively promoting it as an optional benefit, or for plan sponsors, to promote it as an eligible expense under Healthcare Spending Accounts (HSAs).

Plan members can use their computer, phone or smartphone app to get 24/7 access to nurse practitioners or physicians, who can immediately diagnose and prescribe for common ailments. Employers that derive most of their revenue from hourly billings, for example, will likely find the service especially appealing.

“It certainly provides value to private plans because it gives very timely and efficient access to care so that employees are more productive and do not have to take time off work to go to walk-in clinics.” 

  1. Virtual care

Virtual care takes telemedicine a step further by providing an alternative way to access ongoing care (for example, for plan members already diagnosed with chronic conditions). Members consult with specialists and other allied healthcare professionals by phone, computer or smart app.

Virtual care for mental health, and more specifically for cognitive behavior therapy (CBT), is leading the way. Indeed, the long-term aim is to promote the use of virtual CBT as an early intervention, while employees are still at work, to prevent disability claims.

“A lot of pilots are out there now for virtual CBT. The important thing to note is that it doesn’t necessarily mean additional costs for the plan sponsor or new out-of-pocket costs for the plan member. This is about diverting some of the traditional benefit dollars to deliver services in a different way, and more cost-effectively.”

  1. Healthcare Apps

Recently, we have seen a number of healthcare apps, from both start-up vendors and traditional healthcare innovators. Insurers will soon be vetting the options to determine which are medically valid and financially viable as benefit offerings. These apps will complement existing benefits and can reduce costs.

“For example, an employee may go to a psychologist every six weeks, at a cost to the plan of $150 per visit. Between visits, he uses an app that costs $10 a month that helps him manage his anxiety day-to-day. Today, that $150 visit is an eligible expense, but the $10 app is not. If the $10 app saved one or more psychologist visits per year, it would save money and cover its own cost.”

As with many new benefits, coverage for healthcare apps will likely initially be promoted as an eligible expense under HCSAs.

  1. Targeted Health messaging

This year could mark a pivotal year for wellness supports from the workplace, due to insurers’ growing capabilities in analytics and artificial intelligence to send targeted, action-oriented health information to plan members.

“We can identify plan members who are at risk for chronic conditions, or who may be at risk for disability leave. We can reach out to them, with their consent, with helpful information and suggestions for care.”

Personalized, regular health messaging could be the missing link to help prevent and manage chronic disease. While past pilot projects consistently showed the value of coaching from allied health professionals (such as pharmacists and dietitians) for members with health risk factors or chronic diseases, member enrollment was a challenge and ongoing costs a concern. The incorporation of targeted messaging from insurers, with automated “nudges” that can be delivered digitally, may help with both engagement and cost-effectiveness.

  1. Medical cannabis

The most popular conversation come renewal time this year will likely be about coverage for medical cannabis. Now that most insurers have put together offerings for optional coverage, plan sponsors will be able to address a topic that continues to steadily garner media attention—which in turn stokes consumer interest.

Currently, Health Canada reports that more than 300,000 Canadians take medical cannabis, presumably paying out of pocket (or possibly using funds from healthcare spending accounts).

See related YXE Benefits posts on medical cannabis.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

Teladoc Telemedicine Service Bringing Better Care To Chamber Plan Members

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we share information about the Teladoc Telemedicine Service.

Teladoc Telemedicine Service
Heard of Teladoc Telemedicine Service?

While Chambers Plan continues to provide stable, comprehensive group benefits to over 30,000 Canadian firms, we are always on the lookout for opportunities to provide you and your employees with even greater value.

In a recent survey the Globe and Mail reported that  57% of Canadians reported they could not secure an appointment with their family doctor within 48 hours, and 76% of Canadians found it difficult to secure care during evenings, weekends and holidays.

Not only is this adding strain to our healthcare system, leading to exceedingly long wait times in walk-in clinics and patients progressively seeking non-urgent care in emergency rooms, but it contributes to increased absenteeism in the workplace.

We are thrilled to announce our partnership with Teladoc Health, the global leader in virtual care who provides convenient access to high-quality care for millions of people in more than 130 countries. The Teladoc telemedicine service helps members consult with a physician about non-urgent medical matters by video conference or by phone, from wherever they are, 24 hours a day, 365 days a year.

When you need a doctor, call one anytime, anywhereTeladoc Telemedicine Service

Up in the middle of the night with a sick child? Need a prescription refill but don’t want to spend hours in a waiting room? Living or vacationing in a remote location, making it difficult to obtain medical care? Chambers Plan, in partnership with Teladoc Health, now offers a solution.

During the visit, members can receive a diagnosis, treatment recommendation, and even be prescribed medicine when necessary. Every doctor is certified by the Canadian College of Family Physicians to ensure the highest standards of quality.

And the best part is, as of September 1st, 2019, Chambers Plan now offers the Teladoc telemedicine service at no additional charge to all Plan members, and their dependents, who hold a Chambers Plan Extended Health Care benefit.

Simply download the Teladoc app from Apple or Google Play, complete the quick registration, and request a consultation either by video conference or by phone.

 

A DOCTOR’S CARE. ANYTIME. ANYWHERE.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

Accidental Death and Dismemberment Benefit explained by YXE Benefits Team

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we shed light on Accidental Death and Dismemberment Benefit (AD&D).

A Group Benefit with Big Value

In a matter of seconds, an accident can drastically change a life. If that accident happens to one of your employees, your Chambers ofYXE Benefits Saskatoon Commerce Group Insurance Plan can offer support.

Accidental Death and Dismemberment benefit offers a lump sum payment in the event of death, loss of limb, or any qualified injury resulting from an accident.

Benefits are paid out in addition to other types of coverage so in the event of a loss of limb, for instance, an insured might receive disability payments as well as an AD&D payment.

In the case of accidental death, an insured’s beneficiary would receive the traditional group life insurance benefit as well as a second, equal amount, through Accidental Death and Dismemberment coverage.

Covers recovery-related expenses

If a serious injury occurs, the employee will likely face many challenges as they recuperate.

To help with recovery, the Chambers Plan Accidental Death and Dismemberment benefit will cover up to $15,000 of expenses for occupational training, and up to an additional $5,000 is available if you require special adaptive equipment or workplace modifications.

Group Benefit not limited to the Saskatoon workplace

Together these payments can form the foundation of a program to help the employee re-enter the workplace after an accident. But Accidental Death and Dismemberment Benefit SaskatoonAccidental Death and Dismemberment benefits aren’t limited to the workplace.

Recognizing that an injury can affect how the individual interacts with his or her surroundings, there’s a benefit of up to $50,000 to modify the home or vehicle when a wheelchair becomes necessary as a result of the accident.

Accidental Death and Dismemberment Benefit can provide vital support at a critical time for Employees

This money can be used to offset the cost of projects like ramp installation, changes to the layout of the house, and vehicle control modification.

With the Chambers Plan, Accidental Death and Dismemberment benefits are extensive and included in every benefits package. It is an often-overlooked benefit but can provide vital support at a critical time.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

YXE Benefits Team Shares A Study About How Paternity Leave Improves A Mothers Health

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we share a recent study regarding how paternity leave can improve mothers’ health.

YXE Benefits Saskatoon

Paternity leave can improve mothers’ health

When fathers take paternity leave, it can actually benefit the health of new mothers. The study looked at the effects of a 2012 Swedish law that allows fathers to take up to 30 days off work, as needed, the year after the birth of a child, but while the mother is also taking leave.

Reduction in prescriptions, hospitalizations and visits to specialists

Where fathers took parental leave in the first six months after childbirth, the researchers found a 26 per cent decrease in prescriptions for anti-anxiety medications among new mothers, as well as a 14 per cent reduction in hospitalizations or visits to specialists and an 11 per cent decrease in antibiotic prescriptions.

Though the research found fathers took only a few days intermittently within those six months, the timing proved critical because it allowed new mothers to get the health care and sleep they needed, along with the opportunity to take preventative health measures.

The flexibility to take those days ad hoc was also an important factor, the study noted.

“While workplace flexibility is perceived to be a key determinant of maternal labour supply, less is known about fathers’ demand for flexibility or about intra-household spillover effects of flexibility initiatives. This paper examines these issues in the context of a critical period in family life — the months immediately following childbirth — and identifies the impacts of paternal access to workplace flexibility on maternal postpartum health”

Paternity leave helps to reduce the risk of postpartum health complications.

The research found increasing a father’s temporal flexibility reduces the risk of a mother experiencing physical postpartum health complications and improves her mental health.

“Our results suggest that mothers bear the burden from a lack of workplace flexibility — not only directly through greater career costs of family formation, as previously documented — but also indirectly.”

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

YXE Benefits Shares 2019 Buck Survey Indicating That Drug Claims Are Expected to Rise

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we share the information from the recent Drug Claims Expected to Rise in 2019 Survey.

Prescription Drug Costs represent the majority of private Health Spend

YXE benefits SaskatoonBenefit plan sponsors can expect to see a three to five per cent increase in prescription drug claims in 2019, according to Buck’s annual Canadian health-care trend survey.

However, the survey noted, since insurance providers also add a market inflation factor, the projected increase is actually 10.99 per cent, down from 12.45 per cent in 2018. Based on 2018 claims trends, the survey found prescription drug costs represent the majority of private payer health spend and have the greatest influence on employer benefits cost trends.

“Our survey shows that although actual drug claims remain relatively stable, insurers continue to project a faster rate of increase due to market inflation.” Buck Survey 2019

Dental Benefits usage also on the riseDrug Claims Expected to Rise in 2019 Survey

It also found the use of dental services is on the rise, increased slightly over the past two years to 5.86 per cent in 2019. And while hospital inflation factors consistently reduced between 2015 and 2018, this trend reversed in 2019 with the insurer trend increasing to 10.03 per cent from 2.6 per cent in 2018. However, this cost represents a relatively small portion of plan spend.

“Insurance providers factor projected market inflation into the rate-setting calculation, and this has the potential to drive plan costs both higher and faster than the actual trend in health-care spending.”

Drug Claims Expected to Rise in 2019 SurveyMedical advances and other factors to influence health care costs

The survey noted medical advances, demographic trends and regulatory oversight will influence health-care costs over the next few years, so employers should consider how their plans will evolve to ensure employees are healthy and productive while keeping costs under control.

 “Medical, prescription drug and dental care coverage make up an important component of employees’ total compensation. To help contain costs, companies need to think creatively about how they can encourage a healthy lifestyle for employees and embrace medical advances in testing and treatment to achieve better health outcomes.”

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

Importance of Critical Illness Insurance Explained by YXE Benefits Saskatoon

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we discuss the benefits of having Critical Illness Insurance.

Critical Illness Insurance Coverage Helps You Recover

A critical illness can strike at any time, and it can happen to anyone, regardless of their age or gender. Although the incidence of cancer, heart disease, and stroke are rising in Canada, the odds of surviving a critical illness are better than ever. Thanks to medical advances.

But surviving a health crisis can often involve a number of financial challenges for which you were unprepared. Long Term Disability payments can help replace lost wages, but not the additional costs associated with surviving a critical illness. Expenses like time off work, travel to and from treatments, home modifications or assistance at home are now added on top of your normal living expenses. That’s where Critical Illness Insurance comes in.

Critical Illness InsuranceEase the financial pressures associated with a life-threatening illness

Critical Illness insurance is designed to ease the financial pressures associated with a life-threatening illness by paying a tax-free lump sum if you become seriously ill. As a result, you can devote 100% of your energy to recovery, without worrying about how your illness has affected you financially.

The Chambers of Commerce Group Insurance Critical Illness benefit can pay a lump sum of up to $50,000 for employees or spouses facing an initial diagnosis of one of twenty-five serious conditions including cancer, heart attack, Parkinson’s Disease, Multiple Sclerosis, major burns, coma, speech loss, coronary bypass, stroke, kidney failure, paralysis, blindness and deafness. There are no restrictions for the money – it can be used however the member wishes.

Living with a critical illness can be a physically, emotionally, and financially trying period. The Chambers Plan Critical Illness benefit offers you simple, affordable protection, allowing you to concentrate on healing without worrying about your finances. So take a few moments to review your benefits plan, and make sure it’s offering the protection you deserve.

Saskatoon critical illness insurance

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

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