16%
Identified inefficiencies including excessive life insurance coverage and dental fee schedule misalignment on a four-year-old plan structure.
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Complimentary Audit · 10 Minutes · Zero Obligation
Renewing soon? Get a second opinion before you sign.
Canadian businesses face rising insurance costs every year. Our licensed representatives conduct a thorough line-by-line analysis of your current plan, identify potential savings opportunities, and deliver a detailed written assessment. Keep the report whether you decide to stay with your current provider or explore alternatives.
Step 1 of 4
Canada's complimentary renewal assessment
Identify hidden costs before committing to another year.
Streamlined online evaluation, analyzed by licensed Canadian professionals.
10 minutes
Efficient online evaluation — receive your comprehensive report directly via email.
Canadian expertise
Reviewed by licensed professionals in your province familiar with regional carriers.
Detailed documentation
Comprehensive line-by-line analysis you retain — regardless of your final decision.
No commitment required
Explore options, maintain current coverage, or compare alternatives — the analysis remains yours.
How it works
Transform uncertainty into clarity within 10 minutes.
Most Canadian business leaders receive renewal documentation and approve it without thorough review. You deserve comprehensive analysis — category by category, explained in straightforward terms — before committing to another annual agreement.
01
Complete brief questionnaire
Plan satisfaction, workforce size, organizational details, contact information. Approximately 90 seconds — optimized for mobile devices.
02
Receive comprehensive assessment
Categorized findings with verifiable sources. Delivered as PDF documentation to your inbox within 48 hours.
03
Consult with Canadian specialist
Licensed professional in your province reviews findings, assists with negotiation strategy, and guides decisions about potential changes.
kaogct versus automatic renewal
Independent analysis your current provider cannot offer.
Insurance carriers and existing brokers lack objectivity when reviewing renewals they issued. We provide unbiased evaluation.
kaogct
Your current broker
Complimentary renewal analysis, no obligation
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Independent from any specific carrier
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Written assessment documentation you retain
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Evaluates Sun Life, Canada Life, Manulife, GreenShield, Equitable
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Licensed Canadian professional in your province
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What we've found
Actual renewals, documented findings.
Anonymized examples from recent Canadian business assessments.
14%
Premium reduction opportunity identified at renewal by transitioning from fully-insured pooled arrangement to refund-accounting funding model.
18%
Broker's proposed renewal increase that comprehensive analysis and competitive re-quoting successfully eliminated.
From business owners
What Canadian leaders report after their assessment.
★★★★★
"I was initially doubtful — every broker claims they can save money. However, the written documentation actually revealed three line items my broker had never clarified. We renegotiated and reduced renewal costs by approximately $14K."
★★★★★
"What I appreciated was the no-pressure approach. The specialist walked me through the PDF, identified the dental fee schedule issue, and I brought that back to my existing broker myself. They matched it. So I remained — but with improved terms."
★★★★★
"We have 22 people and I had no idea our life insurance multiples were significantly higher than necessary. The assessment identified it in about 8 minutes. Switched carriers and the team actually received enhanced paramedical coverage as well."
★★★★★
"I've worked with three brokers over six years. kaogct was the first to actually show me, in writing, what I was paying for. It turned out I was covering a drug card benefit almost nobody on the team was utilizing."
FAQs
Direct answers to common questions.
What timeframe exists to challenge my renewal?▾
Most Canadian insurers distribute renewal notices 30–60 days before the renewal effective date. You can typically challenge, re-quote, or switch providers up to approximately 14 days before the effective date — sometimes even later. The assessment requires 10 minutes online and documentation arrives within 48 hours, so even compressed timelines remain feasible.
Must I change brokers?▾
No. The assessment and written documentation remain yours regardless of subsequent decisions. We only introduce you to a Canadian specialist partner if you specifically request it.
What if my plan appears satisfactory?▾
Then you possess written documentation confirming it. Either you discover we're accurate and your renewal is fair, or we identify line items warranting discussion with your existing broker. Either outcome leaves you better informed before signing.
How is this service complimentary?▾
If — and only if — you choose to switch or expand a plan, our specialist partner receives standard commission from the new carrier (the standard method for selling group plans in Canada). You never pay us anything.
Does this operate in my province?▾
We serve Canadian businesses with 5+ employees in every province except Quebec. Quebec maintains distinct insurance regulation (RAMQ, CNESST, French-language requirements) and falls outside current scope.
What does the assessment actually examine?▾
Seven inefficiency categories: excessive life insurance multiples, pooled-versus-refund funding misclassification, unused health spending account balances, paramedical over-limits, dental fee schedule misalignment, drug card formulary waste, and commission-loaded premiums.
Don't approve renewal without reviewing the details
Most Canadian business leaders renew group plans without examining actual coverage contents.
The complimentary assessment requires 10 minutes — and it can transform what you sign.