Compare employee benefits, dental, drug, disability, life insurance, HSA and group retirement options with independent guidance — built around your team, your budget and your renewal goals.
Group Benefits and Retirement Plans aren't one-size-fits-all. Without independent guidance, businesses end up with the wrong plan, the wrong carrier, and the wrong outcome at renewal. Buying direct from one provider means no leverage when you need it most.
Premiums increase year after year with no clear explanation or strategy.
Coverage that doesn't match how your team actually uses benefits.
Staff can't tell what's covered, leading to frustration and low perceived value.
Owners and key people end up exposed — or paying for the wrong things.
Without a Group RRSP or DPSP, retention and recruiting suffer.
Buying direct from one provider means no leverage at renewal.
Switch between services to see how each piece fits into a plan built around your team. We synchronize benefits, cash flow, and tax strategies to align exactly with your operational metrics.
Health, dental, prescription drugs, vision, paramedical, life, AD&D, short and long-term disability, plus optional Employee Assistance Programs — designed around how your team actually uses coverage.
Group RRSPs, DPSPs and pension-style structures, matched to your payroll, your owners and your retention goals — explained in plain English.
HSAs let business owners offer tax-efficient healthcare dollars employees can use on what they actually need — alone or alongside a traditional benefits plan.*
Beyond group plans — life, critical illness, and disability strategies for owners, key persons, and buy-sell agreements. Coordinated cleanly with your existing corporate structures. We assist owners in thinking about matches and tax efficiency alongside their broader organizational parameters.*
"We leverage direct links across 8+ premium Canadian carriers to secure unbiased structure design. Because dynamic coverage relies on systematic negotiation, not standardized packages."
AI+Trust Advisory compares offerings globally while delivering personal 1:1 local support for Alberta's growing teams.
From construction and trades to hospitality and professional services, we tailor benefits and retirement to industry-specific risk, turnover, and compensation patterns across Alberta.
Plans built for variable hours, COR-certified safety teams, and field-based crews.
Coverage and disability protection for shop floors, drivers, and dispatch teams.
Designed precisely for clinics, accountants, consultants, and specialty professionals.
Affordable entry-level structures and HSAs that align with part-time, full-time, and seasonal staffing mixes.
Review your existing structural configurations. A concise self-assessment containing 20 curated metrics across 5 operational profiles.
Our analysis tracks performance vectors dynamically to capture optimal efficiencies. We assess risk classes objectively to achieve clean, long-term balance profiles.
Most Canadian carriers will quote starting at 2 eligible full-time employees, although program rules vary by carrier and product. Advisory is built around businesses with 2–50 employees.
Yes. A pre-renewal review compares current plan design, premiums, claim experience and demographics against the broader Canadian market.
A Group RRSP allows employee and employer contributions through payroll, with contributions vesting immediately. A DPSP (Deferred Profit Sharing Plan) is employer-funded only and allows for vesting periods up to two years. They are often combined in matching designs.
Yes. HSAs are commonly paired with traditional plans to top up coverage or offered as a standalone option. CRA rules dictate eligible expenses.
No. AI+Trust Advisory is an independent advisory, working with multiple Canadian carriers.
Connect directly with an independent advisor to map your objectives. Standard underwriting reviews generally process within 5 to 10 business days.
*Information on this website is provided solely for general educational and informational reference and does not constitute formal insurance underwriting, structural tax, or specialized legal counsel. Underwriting appointments, structures, and carrier configurations vary naturally by plan size, location demographics, and active carrier policies. 1:1 local services are designed for Alberta-registered entities.