For employers and HR managers: select your company size, your sector and the plan components you want to get a budget order of magnitude, then send your request for a real quote comparing several insurers.
📄 Download the complete group plan guide (PDF)The cost of a group plan varies above all with the size of the business — small groups generally pay more per employee, for lack of bargaining power and of enough claims data for insurers.
| Taille de l'entreprise | Annual cost / employee | Monthly cost / employee |
|---|---|---|
| 10 to 24 employees | 3 800 $ – 5 200 $ | 317 $ – 433 $ |
| 25 to 49 employees | 3 500 $ – 4 800 $ | 292 $ – 400 $ |
| 50 to 199 employees | 3 200 $ – 4 500 $ | 267 $ – 375 $ |
| 200 to 499 employees | 2 800 $ – 4 200 $ | 233 $ – 350 $ |
| 500 employees and over | 2 500 $ – 3 800 $ | 208 $ – 317 $ |
These ranges combine the employer share and the employee share, for a standard plan (drugs, dental and paramedical care, basic life). Figures published by Baicorp Financial (an independent employee benefits broker), which attributes them to a Mercer survey, Survey of Employer-Sponsored Health Plans, 2024 — blog.baicorp.ca, consulted on 23 July 2026. These are market benchmarks published by a third party, not actuarial data that I verified myself with Mercer — to be treated as a budget order of magnitude, not a quote. The sector and the components chosen also change the real cost: see the calculator below.
This tool applies the cost benchmarks above, adjusted for your sector and the components checked. It is not a quote — real pricing requires a complete file (ages, sexes, positions, claims history where applicable) sent to one or more insurers.
As an independent representative in group insurance of persons, I am not tied to any insurer exclusively. For a group plan, I can submit your file to several of the following insurers — the final choice depends on your group profile and your coverage priorities: iA Financial Group, Beneva, Manulife, Sun Life, Canada Life, Empire Life, Equitable Life, GreenShield Insurance, Medavie Blue Cross and Foresters Financial. See all my insurers and partners.
Describe your business and the plan you want, then leave your contact information — I will contact you to prepare a real quote comparing several insurers.
The amounts shown on this page are indicative budget estimates for general planning purposes, based on market benchmarks published by third parties; they do not constitute an insurance quote or a guaranteed price. Real pricing requires a complete file sent to one or more insurers and depends on the precise characteristics of the group (ages, sexes, positions, claims history where applicable).
The benchmarks above give an approximate budget. Firm pricing requires a group file — I submit it to several group insurers.
Our other coverage
Group insurance (life, disability, health and dental) and group retirement savings (group RRSP, VRSP, DPSP). A well-designed plan helps attract and keep employees, and employer contributions are generally deductible.
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Whole life insurance protects your family for life and builds a guaranteed cash surrender value. Participating policies may also pay annual dividends, which are not guaranteed.
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Universal life separates the cost of coverage from the savings component, which grows tax-sheltered within permitted limits. You adjust deposits to your budget and choose your investment options.
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Individual mortgage insurance belongs to you: the benefit is paid to your beneficiaries, who decide how to use it, and the coverage follows you if you change lenders. Compare it with the bank's offer before you sign.
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