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Understanding Target Loss Ratio and Your Group Benefits Plan

Understanding Target Loss Ratio and Your Group Benefits Plan

by Financial Tech Tools | Sep 1, 2026 | Blog, business owners, financial advice, Financial Planning, Group Benefits, health benefits

Group benefits can be intricate both in their establishment and administration. There are numerous details and considerations to be aware of when purchasing a group benefits plan, one of which is the target loss ratio (TLR).Key Questions Addressed:What is a target...
5 Emerging Trends in Group Benefits Every Employer Should Know

5 Emerging Trends in Group Benefits Every Employer Should Know

by Financial Tech Tools | Oct 1, 2025 | Blog, Group Benefits

Employee expectations are shifting, and group benefits are no longer one-size-fits-all. Employers across Canada are recognizing that competitive compensation extends beyond salary. A strong benefits package can make the difference between attracting top talent and...
Helping Employees Get the Most Out of Their Health Benefits

Helping Employees Get the Most Out of Their Health Benefits

by Financial Tech Tools | Aug 4, 2025 | Blog, Group Benefits

Helping Employees Get the Most Out of Their Health Benefits You can provide the most generous benefits package in the world, but if employees don’t understand how to use it, it won’t have the impact you hoped for. Across Canada, many employees leave valuable health...
Renewing Your Group Benefits Plan

Renewing Your Group Benefits Plan

by Financial Tech Tools | Dec 2, 2024 | Blog, Business Owners, Group Benefits, health benefits, incorporated professionals

When it’s time to renew your organization’s group benefits plan, it’s a chance to step back, take a close look, and ensure everything still makes sense for your team and budget. Each year, your provider will review past claims and usage to help adjust coverage and...
Setting Up Your Employee Benefits Program

Setting Up Your Employee Benefits Program

by Financial Tech Tools | Aug 6, 2024 | Blog, Business Owners, Group Benefits

In the competitive landscape of today’s business world, an effective employee benefits program stands as a cornerstone of organizational success. Such programs not only serve as magnets for top talent but also highlight an organization’s unwavering...
Exploring the Value of Group Benefit Plans for Your Employees

Exploring the Value of Group Benefit Plans for Your Employees

by Financial Tech Tools | May 1, 2024 | Blog, Business Owners, Group Benefits, health benefits, incorporated professionals

In today’s ever-evolving workplace landscape, employees place a premium on several key factors: 1. Alignment with employer values, especially sustainability. 2. Achieving a harmonious work-life balance. 3. Assistance in coping with the rising cost of living...
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Recent Posts

  • How To Use Insurance To Provide Your Family With Financial Protection
  • Understanding Target Loss Ratio and Your Group Benefits Plan
  • The Five Steps to Insurance Planning
  • How to Catch Up on Your RRSP Contributions
  • What Is Participating Whole Life Insurance?

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Kelly Smith Group

Kelly Smith, CFP, CPA, CGA
Founder and Principal Advisor

(416) 402-1140
kelly.smith@kellysmithgroup.ca

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How To Use Insurance To Provide Your Family With Financial Protection

How To Use Insurance To Provide Your Family With Financial Protection The best way to provide your family with financial protection is with solid insurance planning. These three types of insurance will ensure your family has the financial resources they need if you...

Understanding Target Loss Ratio and Your Group Benefits Plan

Group benefits can be intricate both in their establishment and administration. There are numerous details and considerations to be aware of when purchasing a group benefits plan, one of which is the target loss ratio (TLR).Key Questions Addressed:What is a target...

The Five Steps to Insurance Planning

Protect What Matters Most: 5 Steps to Insurance PlanningDisability, Critical Illness, and Life Insurance SolutionsLife is full of uncertainty. While we can’t predict the future, we can prepare for it. Whether you’re protecting your income, your health, or your...

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