We work with organizations at different stages: employers setting up their first plan, growing teams that need more structure, and established groups managing renewals, employee questions, and long-running programs. The details change by organization, but the need is usually the same: clear advice, careful plan management, and coverage that fits the people, budget, and goals of the employer.
You want to offer benefits, but need help deciding what coverage, cost-sharing, carrier setup, and budget actually make sense. A first plan should be simple enough to manage and structured carefully enough to remain sustainable after the first renewal.
A plan that worked for ten employees may not work for thirty, fifty, or a hundred. As teams grow, benefits often need clearer classes, better communication, stronger renewal management, and a structure that can handle change.
Once a plan has been running for years, the details matter. We help employers manage renewals, understand claims trends, review plan design, and keep the program working as needs change.
If a plan has been with the same carrier or advisor for years, it may be worth reviewing the market. That does not always mean moving carriers. The goal is to understand whether a move is warranted.
In select sectors, Proact supports employers through member programs, preferred vendor relationships, and industry involvement.
Proact has proudly worked with YWCA Canada since 1998, providing comprehensive Life & Health and Retirement plans.
While the National Head Office holds the association contract, participating Member Associations maintain complete autonomy over the coverage they offer employees, while benefiting from significant volume discounts.
Our quarter-century partnership with YWCA has supported consistent, reliable plan management and stable renewals.
Camping In Ontario members have access to a group benefits program designed for campground operators, including smaller teams and seasonal workforces.
The plan provides access to preferred group rates on health, dental, vision, life insurance, and emergency travel coverage.
As an OCA Preferred Vendor, Proact supports camps, outdoor education organizations, and camp-sector suppliers with group benefits advice and renewal support.
Camp employers often deal with seasonal staffing, mixed employee groups, tight budgets, and a strong need to support the people who make the season work.
As a consultant member of the Ontario Museum Association, Proact stays connected to museums and cultural organizations that need practical benefits guidance for lean teams and funding-sensitive environments.
Membership in Canadian Group Insurance Brokers helps keep Proact connected to carrier, compliance, and market discussions across the group benefits industry.
