Our life insurance agency offers a suite of individual life and health insurance products targeted primarily at the business owner and employees. These include life, disability, and critical illness protection offered through a number of Canada’s premier life insurance providers.

We also provide group employee benefits solutions with a focus on enhancing employee value and retention while managing employer costs. The employee benefits marketplace is facing numerous challenges, with an intense focus on employer expense management and significant cost containment pressure for the insurers, given the advancements in care and the costs of many new medications. We also provide life and health insurance solutions for administrators and associations, focusing on simplified delivery and high value.

Our programs include traditional insured programs as well as self-insured arrangements with stop-loss provisions targeted at larger employers capable of managing self-insurance risk. We also offer Health Spending Accounts and utilize these routinely for additional benefit value in a managed way.

Encore Solutions also focuses on process-driven life insurance solutions for the financial distribution community (primarily those focused on investments and not insurance), where life insurance protection is recognized as a critical component for asset protection but where traditional products and processes do not support the advisor’s needs. We deploy technology and processes that uniquely complement these advisors’ product needs while reducing the administration overhead that is often attributed to these traditional life insurance products.

These programs and products are highly tailored to the individual channel with a focus on simplicity of administration, low cost, and high association and member value.