403-686-0429 info@cisinsure.ca

We Have You Covered

Employee Benefits, Life, Disability, Critical Illness, Mutual Funds

Your Family – Your Business – Your Peace of Mind

Sound financial advice.

Competitive Insurance Strategies Inc. specializes in employee benefits consulting, with a secondary focus on financial planning for individuals and businesses. With over 40 years’ experience in the employee benefits marketplace, Competitive Insurance Strategies is well-positioned to effectively serve our customers’ requirements.

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Benefit from sound financial advice, by having us help you to plan and save for your future and protect the savings you have accumulated. Studies have shown that Canadians who use a financial advisor accumulate 4.2 times more assets than Canadians do not. (source: New Evidence on the Value of Financial Advice, Jon Cockerline, Investment Funds Institute of Canada, 2012). We can help set your priorities and establish a plan, with regular reviews to make sure you are on target to reach your goals.

Employee Benefits Consulting

Employee meetings are an important element in our communications strategy. The meeting is designed to go beyond imparting the details of the employee benefit plan, by illustrating the value of the plan in the overall employee compensation package and the contribution made by the employer.

 

Employees also learn how they can manage their own out of pocket costs. Meetings can be scheduled with large groups or with each employee individually.

Employee Communication
Employee meetings are an important element in our communications strategy. The meeting is designed to go beyond imparting the details of the employee benefit plan, by illustrating the value of the plan in the overall employee compensation package and the contribution made by the employer. Employees also learn how they can manage their own out of pocket costs.  Meetings can be scheduled with large groups or with each employee individually.
Plan Administration

We are available to train your staff in all administrative procedures and will be available on an ongoing basis to answer questions and solve problems. Service contacts are made on a regular basis to ensure that the plan operates smoothly. Although we do not get involved directly in the day-to-day payment of extended health and dental claims, we are available to assist you and your employees whenever problems occur or questions arise. As a liaison between you and the insurance company, we will assist wherever necessary in order to conclude every situation to your satisfaction.

HR Support Services

We provide advice on employment issues as it relates to managing an employee benefits plans, including information and assistance related employment standards, best practice guides, and policy manuals.

Reporting

Your claims experience will be monitored by us on a regular basis and we will alert you to any potential problems which may be developing. At every policy renewal, we will negotiate the new rate structure with each of your plan underwriters. If the terms, conditions, or costs of your existing benefits become outdated or inappropriate by market standards, suitable alternatives will be recommended. We will prepare an annual report that will review the performance of the pooled and experience rated benefits. In addition, we address the inflationary trends and outline the administrative fees and charges. We will present our report and review our findings in detail at a client meeting.

Business Continuation Planning

We can provide expertise in the development of buy-sell agreements, key man life insurance plans, key man disability plans, creditor funding, and executive compensation. We will work with your firm’s lawyer and accountant to ensure that these continuation plans meet your requirements.

Personal Financial Counseling

We are able to design personal financial plans after a thorough examination of the client’s situation and goals. We offer expert advice on life and disability insurance, retirement savings, pension maximization and estate plans. We are qualified to advise you on mutual funds, segregated funds and term deposits. Our clients have access to qualified legal and accounting professionals that specialize in tax and estate planning.

The mainstay of our company is employee benefits consulting and management of client employee benefit dollars. We also focus on workplace financial planning that includes business continuation plans and personal financial counseling.

Investing with Mutual Funds

When you buy a mutual fund, you are buying a bundle of stocks, bonds and other securities which is managed by an expert fund manager who make investment decisions on your behalf. Through a mutual fund, you have access to global markets and a wide selection of investment types and investment strategies that may be difficult to create on your own. Mutual funds provide a cost-effective way to invest, providing quick and easy access to your money if you need it.

Caring for You & Your Family

Competitive Insurance Strategies Inc. (CIS)

999 8 St SW #610
Calgary, AB T2R 1J5

T: (403) 686-0429

Get In Touch

We are more than happy to answer any

questions or comments you might have.

Our success relies on our customer's satisfaction.

It starts here.

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