Group Benefits & Business Protection
Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.
Alberta · Ontario · British Columbia
Founder, no benefits yet? Start with the basics
Is this you? A founder or cofounder with no benefits plan yet.
No employer plan behind you yet. A few practical steps can cover the essentials while the company grows.
We help founders separate personal income risk from company risk, then review key-person protection, early employee benefits and scalable planning priorities.
The Risk Assessment is a free educational questionnaire about your income, existing protection, business and planning priorities. It adapts to your answers: 15–19 questions, with no medical questions. Allow about 5 minutes (estimated; take longer if you need).
You'll get your score and a call offer, not a sales pitch. The current Calendly session is 60 minutes.
Free · about 5 minutes · no medical questions · you get a Protection Score and a call offer, not a sales pitch.
What to set up first
- Personal income protection for you, since there is no employer plan behind you.
- A signed shareholder or cofounder agreement that says what happens if someone dies or can't work.
- Funding for that agreement, so the plan works if it is ever needed.
- Key-person coverage once the company depends on specific people.
- Basic health and dental, or a spending account, when you start hiring.
A practical starting order, not a requirement. Your priorities may differ. General information only; not tax, legal or investment advice.
Where your plan can be exposed
- No employer plan: as a founder you may have no disability, health or life coverage of your own.
- Key-person risk: the company may depend heavily on one founder's work and relationships.
- Cofounder risk: if a cofounder dies or cannot work, the shareholder agreement may have no funding behind it.
A clear, three-step review
- 01
Map founder duties, runway, ownership, key people and current benefits.
- 02
Prioritize the most material personal and company exposures.
- 03
Implement suitable protection and review it as funding, revenue and headcount change.
Coverage areas to explore
Income & Living Benefits
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Risk & Retirement Advisory
A structured review of retirement, cash flow, debt, registered savings and protection for complex family or business situations.
Questions and answers
What is key-person insurance?
It is coverage a business may own on an essential person, designed to provide funds after an insured event subject to the policy terms and claim approval.
When should a startup consider employee benefits?
The right timing depends on hiring goals, budget, participation and available plan designs. A review can compare insured benefits and spending-account approaches.
Next step
See where your protection and planning gaps may be
Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.
Shashank Gupta · Founder & Principal Advisor
LLQP-qualified, Licensed Life and Health Advisor in Alberta, Ontario and British Columbia
Prefer to talk? Book a Risk Audit session with Shashank
Skip the assessment and start with a conversation about your priorities. Educational, no obligation to apply for coverage.
General information only; not tax, legal or investment advice.