Protect your team — and their families — with lasting peace of mind.
Life insurance is one of the most meaningful benefits an employer can provide. At Workplace Benefits, we help Canadian businesses design affordable, high-impact group life insurance plans that give employees and their families the financial protection they deserve — while strengthening your overall compensation strategy.
Group life insurance provides financial protection to employees’ beneficiaries in the event of their death. It’s a cornerstone of a responsible benefits package — offering security, comfort, and reassurance that loved ones are cared for during difficult times.
At Workplace Benefits, we work with employers across Alberta, British Columbia, and Ontario to design flexible life insurance solutions tailored to their workforce. As an independent employee benefits broker, we compare plans from all major Canadian insurers — including Manulife, Sun Life, Canada Life, and Desjardins — ensuring your business receives the best value and coverage.
Why Group Life Insurance Matters
A thoughtfully designed life insurance plan demonstrates genuine care for your employees and their families. It helps employees focus on work with confidence, knowing their loved ones are protected — and helps employers attract, retain, and inspire their teams.
For Employees
Provides peace of mind and financial protection for loved ones.
Helps cover expenses such as mortgages, debts, education, and daily living costs.
Offers a sense of security and stability in uncertain times.
For Employers
Enhances recruitment and retention by showing real commitment to employee well-being.
Strengthens company culture through compassion and responsibility.
Contributes to higher engagement, morale, and loyalty across teams.
Offering group life insurance isn’t just a financial benefit — it’s a statement that your company values its people at every stage of life.
Types of Group Life Insurance Coverage
Every organization has unique needs, which is why Workplace Benefits offers customizable coverage options that grow with your business.
Basic Group Life Insurance
Employer-paid coverage that provides a set benefit amount or multiple of the employee’s salary.
Optional or Voluntary Life Insurance
Employees can purchase additional coverage at preferred group rates for themselves, their spouses, or dependants.
Dependent Life Insurance
Coverage that helps protect an employee’s family members, ensuring support in case of loss.
Accidental Death & Dismemberment (AD&D)
Provides an additional benefit if death or injury occurs as a result of an accident — often paired with life insurance for enhanced protection.
What’s Typically Included in a Group Life Insurance Plan
A comprehensive group life insurance plan may include
Basic life insurance for all eligible employees
Optional life insurance for employees, spouses, and dependants
Accidental Death & Dismemberment (AD&D) coverage
Guaranteed coverage amounts (no medical underwriting required)
Portability and conversion options upon leaving the company
Tax-efficient employer-paid premiums
Simple claims and beneficiary support process
With Workplace Benefits, you’ll receive clear comparisons, expert advice, and end-to-end support — from plan design to ongoing service.
How Workplace Benefits Works With Employers
We simplify the process of designing and maintaining your life insurance plan through a transparent, proven approach
Assess
We start by understanding your company’s goals, team demographics, and existing benefit structure.
1
Compare
As an independent broker, we obtain quotes from all major carriers across Canada.
2
Customize
We build a plan that fits your workforce’s needs and your company’s budget.
3
Support
Once your plan is active, we handle renewals, claims assistance, and employee education.
4
Why Choose Workplace Benefits
Independent Expertise
We work with every major carrier — not just one provider.
Tailored Solutions
Plans built around your people, budget, and company culture.
Transparent Costs
No surprises — just clear, data-driven comparisons.
Ongoing Service
We support your HR team and employees year-round.
Nationwide Reach
Serving employers across Alberta, British Columbia, and Ontario.
Frequently Asked Questions
Everything you need to know about group retirement benefits
How much life insurance coverage do employees typically receive?
Most group life insurance plans provide coverage equal to one or two times an employee’s annual salary, with options to increase or purchase additional coverage.
Is group life insurance taxable in Canada?
Employer-paid premiums are considered a taxable benefit, but the benefit paid to the beneficiary is generally tax-free.
Can small businesses offer group life insurance?
Yes — plans can be scaled to fit smaller teams, often at very affordable rates through pooled risk.
Can employees keep their life insurance if they leave the company?
Most carriers offer conversion options allowing employees to continue coverage under an individual plan, without new medical requirements.
What’s the difference between group life and personal life insurance?
Group life insurance is employer-sponsored, more affordable, and often guaranteed, while personal life insurance provides customized coverage independent of employment.
Get a Custom Group Retirement Plan Quote
Protect your employees — and the families who depend on them — with confidence.Let Workplace Benefits help you design a group life insurance plan that fits your business, budget, and values.
Get a Custom Group Life Insurance Quote
Protect your employees — and the families who depend on them — with confidence.
Let Workplace Benefits help you design a group life insurance plan that fits your business, budget, and values.
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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