Group Benefits
Health, dental, life, disability, and EAP coverage, with plan design, renewal analysis, market reviews, carrier negotiation, employee communication, and service support.
Explore Group BenefitsGroup Benefits Consulting
Helping Ontario employers manage benefits with confidence.
Since 1992, Proact has helped employers build and manage group benefits plans that support their people, are priced fairly, and stay sustainable over time.
Independent adviceRecommendations are not tied to one carrier or provider.
Renewal disciplineWe review the numbers, explain the drivers, and negotiate where there is room.
Employee supportWe help with communication, plan changes, and questions throughout the year.
What We Do
Benefits support for employers.
Proact helps employers design, review, and manage benefits plans that support employees, are priced fairly, and stay sustainable over time.
Group Retirement
Group RRSP, DPSP, and retirement plan options for employers who want to support employee savings without adding unnecessary complexity.
Explore Group RetirementHealth Spending Accounts
Flexible health spending for employers who want predictable costs, tax efficiency, and more choice for employees.
Learn About HSAsIndividual & Specialty Coverage
Travel coverage, individual health and dental, life insurance, disability coverage, and critical illness insurance for individuals, owners, families, and key employees.
View Coverage OptionsMarket Access
Market access across leading carriers and providers.
Traditional insurers
Sun Life · Manulife · Canada Life · Desjardins · Beneva · Empire Life · Green Shield Canada · Blue Cross · iA Financial Group · Equitable Life
TPAs, pooled plans, and alternative funding
GroupHEALTH · RWAM · Chambers Plan · Benefits by Design · The Benefits Trust · Simply Benefits · Honeybee Benefits · NHC
HSA and retirement specialists
myHSA · Common Wealth
How We Work
Independent advice. Ongoing support.
We compare options across the market, recommend what fits, and provide ongoing support for you and your employees throughout the year. That starts with understanding the employer, managing renewals carefully, and being available when questions come up.
Understand the Plan
Before recommendations, we look at plan design, demographics, claims experience, renewal history, and what the employer is trying to do.
Review the Market
We compare carriers on coverage, cost, service model, and underwriting, and we weigh long-term fit alongside the headline rate.
Support the Program
We help with renewals, employee questions, billing issues, plan changes, and the service work that keeps a benefits program running properly.