Provide your employees and their families with financial security when it matters most. Group Life Insurance from Workplace Benefits helps you build a caring, future-focused workplace while keeping costs predictable for your business.
Group Life Insurance is one of the most fundamental pillars of a competitive employee benefits plan. It provides financial protection to employees’ families in the event of death, helping to cover funeral expenses, debts, or ongoing living costs.
At Workplace Benefits, we help businesses across Alberta, British Columbia, and Ontario design cost-effective, transformative life insurance programs that fit every organization’s size and budget. As an independent benefits broker, we compare Canada’s leading carriers — including Manulife, Sun Life, Canada Life, and Empire Life — to secure the best value for your team.
Why Life Insurance Matters
A thoughtful life insurance plan does more than provide financial protection — it shows your employees that their well-being truly matters.
For Employees
Provides financial security to dependents in case of loss.
Reduces stress and improves overall wellness and peace of mind.
Offers voluntary options for greater personal coverage.
For Employers
Strengthens your recruitment and retention strategy.
Enhances employee loyalty and engagement.
Demonstrates a commitment to long-term well-being — fostering a positive culture.
When employees feel supported, they’re more focused, productive, and loyal — helping your business thrive.
Types of Life Insurance Coverage
Every organization is different. We help you build the right mix of coverage options to meet both your budget and your employees’ needs:
Basic Life Insurance
Core employer-paid coverage that provides a set benefit amount or salary multiple to all eligible employees.
Optional or Voluntary Life Insurance
Employees can purchase additional coverage for themselves (and often their spouse) through payroll deductions — offering flexibility and choice.
Dependent Life Insurance
Provides protection for an employee’s spouse and children, ensuring peace of mind for families.
Accidental Death & Dismemberment (AD&D)
Often bundled with life coverage, AD&D adds extra protection for accidents resulting in serious injury or loss of life.
What’s Typically Included in a Group Life Insurance Plan
A well-rounded group benefits plan often includes
Coverage for death from any cause (while insured)
Guaranteed benefit amounts (e.g., 1x or 2x annual salary)
Optional employee-paid top-ups
Dependent life insurance options
Conversion privileges upon employment termination
Accidental death and dismemberment (AD&D) rider
Streamlined claims and administration support
With Workplace Benefits, you’ll receive transparent plan comparisons and expert guidance to ensure your program is both affordable and comprehensive.
How Workplace Benefits Works With Employers
We make it simple to offer exceptional coverage — without the complexity.
Assess
We start by learning about your business, workforce, and budget to understand your goals.
1
Compare
We independently compare life insurance plans from all major Canadian carriers to identify the most cost-effective options.
2
Customize
We tailor coverage levels, eligibility, and optional benefits to create the perfect fit for your organization.
3
Support
Once your plan is in place, we provide ongoing service, renewals, and employee support to ensure your benefits remain valuable year after year.
4
We’re independent brokers — not tied to any one insurer — so our recommendations always serve your best interests.
Why Choose Workplace Benefits
Partnering with us means having a trusted benefits advisor on your side:
Independent Expertise
We work with all major Canadian carriers to find your best value.
Tailored Solutions
Every plan is built around your company’s unique needs and budget.
Dedicated Support
Hands-on service from onboarding to renewals.
Cost Optimization
Data-driven plan design to maximize coverage and minimize waste.
National Reach
Serving businesses across Alberta, British Columbia, and Ontario.
Frequently Asked Questions
Everything you need to know about employee health benefits
What is the typical amount of life insurance coverage in a group plan?
Most plans offer 1x or 2x an employee’s annual salary, though fixed amounts (e.g., $25,000 or $50,000) are also common.
Can employees buy more coverage than what’s provided by the employer?
Yes. Many plans include an optional life insurance feature, allowing employees to purchase additional coverage at group rates.
Are life insurance benefits taxable?
Employer-paid premiums are typically a taxable benefit, but payouts to beneficiaries are tax-free.
Does coverage continue if an employee leaves the company?
Employees may have the option to convert their group life insurance to an individual policy without medical evidence within a limited period.
Can small businesses offer group life insurance?
Absolutely. We specialize in helping small and mid-sized employers access competitive plans through major carriers.
How long does it take to set up a plan?
Most plans can be implemented within 2–4 weeks after assessment and carrier selection.
Protect Your Team — and Your Business
Protect your employees — and the familiA well-designed group life insurance plan demonstrates that your company truly values its people. Whether you’re a startup or an established employer, Workplace Benefits makes it easy to build a program that balances protection, affordability, and flexibility.es who depend on them — with confidence.
Start building a benefits plan that your employees — and their families — can depend on.
Workplace Benefits
Workplace Benefits designs cost-effective employee benefits & retirement plans across Alberta, BC & Ontario—helping businesses protect teams, control costs, and retain top talent.
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