At Future of Health Benefits Inc., we design value-based employee benefits programs suited to the 21st century. Our consulting services include:

• Discovery – We can evaluate the values, costs, risks and rewards within your business’ current employee benefits program.

• Creation – We provide thorough industry knowledge to generate new ideas, innovations, and strategies within your employee benefits package.

• Design & Build – We can work with you to design the optimal employee benefits program and experience for your small or medium sized business, through the integration of new ideas, and thorough knowledge of industry strategies.

• Launch – We can help with the launch of new modernized programs that help your business attract, reward, and retain employees.

Introducing Health Disruption Coverage—an innovative insurance solution designed by medical professionals with knowledge of the evolving landscape of health care. This coverage pays a lump sum benefit upon diagnosis of cancer, heart attack, stroke, and 20 other serious medical conditions, providing you with tax-free cash when you need it most.

• Use the funds however you see fit—whether for medical expenses, recovery, or simply easing financial stress.

• Plus, with the Return of Capital option, if you don’t make a claim, you can reclaim your investment. Take control of your health journey with Health Disruption Coverage. Your health is your wealth—protect it wisely.

We advise on Personal Risk Management strategies, which may include:

• Cancelling debts, paying bills and supporting your family if you suffer a serious illness, injury, or life-altering condition or die prematurely so a health crisis doesn’t become an emotional and financial catastrophe.

• Ensuring retirement healthcare for you.

• Paying your “legacy taxes” at a discount to keep the family cottage, RRSP/RRIF, and investment in the family.

• Maximizing and keeping profits tax-free.

• Keeping the business running in the event of a health disaster.

• Cancelling business debts on death or disability.

• Retaining key staff and protecting the business from any loss or disability.

• Retaining full ownership when a partner or shareholder exits.

• Maintaining harmony among family business beneficiaries.