We help you build competitive, flexible benefits plans tailored to your team’s evolving needs while making sure you’re not overpaying or underserving your employees.

Our group benefits services include:

• Health Spending Accounts (HSAs): Empower your employees with tax-free flexibility to cover eligible health and dental expenses that matter most to them, whether it’s vision care, prescriptions, or paramedical services.
• Personal Spending Accounts (PSAs): A modern wellness benefit that can be used for things like gym memberships, mental health apps, family care, financial planning, or personal development. Fully customizable to reflect your team’s lifestyle and values.
• Benchmarking Reports: See how your plan stacks up against others in your industry and region
• Quarterly Experience Reports: Track claims trends so there are no surprises at renewal
• Plan Design Reviews: Ensure your plan reflects today’s employee expectations, not yesterday’s templates
• Administrative Support: Yearly reminders for employees to update their beneficiaries, dependents, and coverage details

Let us take the guesswork out of managing your plan so you can focus on supporting your team.

Offering a Group Retirement Savings Plan isn’t just a financial perk, it’s a strategic tool to attract, retain, and support your employees in building long-term security.

At Swansea Insurance, we help Canadian employers design retirement programs that reflect their workforce, fit their budget, and evolve with their company’s goals. Whether you’re starting fresh or reviewing your current setup, we’ll guide you with clarity and care.

• Attract and Retain Talent – In today’s job market, employees are looking for more than salary, they want future stability. A well-structured GRSP shows that you’re invested in their long-term success.
• Boost Financial Wellness – Helping your team save for the future can reduce financial stress, improve productivity, and create a stronger sense of loyalty.
• Employer Flexibility – You decide how contributions work. Whether matching, fixed, or voluntary and we help you find a structure that makes sense for your budget.
• Tax-Efficient and Easy to Administer – GRSPs offer tax advantages for both employers and employees. We handle the setup and communication so your plan runs smoothly with minimal admin lift.

What We Offer:

• Plan design and setup with trusted retirement plan providers
• Guidance on employer matching and vesting options
• Employee education sessions on saving, investing, and long-term planning
• Ongoing support for enrolment, reporting, and compliance
• Seamless integration with your group benefits program (optional)

Build a Benefits Package That Looks to the Future

A GRSP is more than a checkbox, it’s a way to empower your team, strengthen your offer, and show leadership that extends beyond the workplace.

Life insurance is one of the most affordable and important ways to protect your loved ones. Whether you’re just starting a family or planning your legacy, it offers peace of mind and financial security when it matters most.

Life insurance plays a critical role in both personal and business planning. We offer:

• Term Life Insurance: Affordable protection for mortgages, loans, and family stability
• Whole Life & Permanent Insurance: Coverage that grows in value over time. Ideal for estate planning and long-term peace of mind
• Key Person Insurance: Protect your business if a vital employee or owner becomes critically ill or passes away
• Buy / Sell Insurance

In a partnership or incorporated business, a buy/sell agreement funded by life insurance ensures that if one owner passes away, the surviving owner(s) have the liquidity to buy out their share smoothly and fairly. This protects the business from disruption and safeguards each owner’s family and financial legacy.

We’ll help you choose coverage that aligns with your goals. Whether that’s protecting your loved ones or securing your company’s future.

Unexpected illness or injury can impact your income, your savings, and your family’s financial future. These products are designed to help you avoid dipping into your savings or taking on debt while you focus on recovery. We help you plan ahead with:

• Long-Term Disability (LTD): Income protection if you’re unable to work for an extended period
• Critical Illness Insurance: Lump-sum benefits in the event of a major diagnosis like cancer, stroke, or heart attack
• Custom solutions for business owners, high-income earners, and individuals with unique needs

Let’s create a plan that gives you confidence, no matter what life throws your way.

Ready to explore your options? Let’s talk about how we can build a benefits and protection strategy that fits your life, your business, your people and your budget.

At Swansea Insurance, wellness isn’t just a benefit, it’s a way of life.

Health and wellness have always been part of who I am. Since I was a kid, staying active has helped me feel grounded and energized. Today, I start every morning with 20–25 minutes of exercise. Not just to stay fit, but to set the tone for the day, clear my mind, and lead with purpose.

Taking care of myself helps me better take care of others. That’s why I view each client as an extension of my family and why we place such a strong focus on wellness within every group benefits plan we build.

• Virtual Healthcare – 24/7 access to doctors, nurses, and healthcare support when and where your team needs it. For many employees, this eliminates the need to visit a walk-in clinic for non-emergency concerns, saving time, reducing stress, and encouraging earlier intervention. From prescription renewals to medical advice and follow-ups, virtual care brings accessible, practical healthcare to your team’s fingertips.
• Employee Assistance Programs (EAPs) – Confidential counselling and support services for mental health, financial wellness, and more. We go beyond traditional short-term counselling by seeking out EAP solutions that can support long-term mental health needs. Whether it’s ongoing therapy, coaching, or specialized resources, we work with providers who can go the extra mile to ensure your staff are truly cared for.
• Health Spending Accounts (HSAs) – Tax-effective coverage for eligible health expenses tailored to each employee’s needs.
• Lifestyle Spending Accounts (LSAs) – Flexible support for wellness-related expenses like fitness, mental health apps, nutrition, and more.

Let’s create a plan that gives you confidence, no matter what life throws your way.

Ready to explore your options? Let’s talk about how we can build a benefits and protection strategy that fits your life, your business, your people and your budget.

Wellness Solutions That Go Beyond the Basics

Your employees want more than traditional coverage, they want support for their total wellbeing. We help employers offer programs and tools that support both physical and mental health, with flexibility that reflects today’s workforce.

Here are just a few of the wellness-forward solutions we offer:

Let’s Build a Healthier Future—Together

Wellness isn’t one-size-fits-all. We’ll help you create a program that fits your culture, budget, and employee goals. Whether you’re starting fresh or adding to an existing plan.