Group Benefits Build Stronger Teams
Build a team that helps your business grow with simple, tax-efficient group benefits. Our plans save you money, keep your employees happy & loyal, and are easy to manage, so your team feels supported and valued.
Not Just Another Broker — We're Your Group Benefits Partner
We don't sell cookie-cutter group benefits plans. We build custom group benefits solutions backed by direct insurer relationships and active management that keeps your team protected.
Direct to Insurer Relationships
We work directly with Canada's top group benefits insurance providers, cutting out middlemen to get you better rates and faster approvals for your group plan.
Active Group Benefits Management
Your group benefits plan doesn't sit on a shelf. We actively manage, monitor, and optimize your group coverage as your business grows and changes.
Built for Front Office & Jobsite
Group benefits coverage that protects everyone from office staff to crews in the field. One group plan that covers your entire operation.
Cost-Effective Group Benefits
We leverage our insurer relationships and 20+ years of experience to deliver premium group benefits coverage at competitive rates.
Custom Built Group Benefits
Simple pre-built group benefits plans for smaller teams, or fully custom-designed group solutions for larger operations. We build what your team actually needs.
Group Benefits Blueprint Tool
A detailed analysis tool that examines your current group benefits plan and rebuilds it for what your team actually needs—saving money and building better group coverage.
Get your free Benefits Blueprint
A practical questionnaire that turns your answers into a cleaner benefits split, a clearer report, and a much easier conversation at renewal time.
Identify your team's actual coverage needs, not just industry averages
Avoid overpaying for benefits your team will not use
Protection Designed for Ontario's Construction Industry
We understand the unique challenges contractors face. Our plans provide real protection where it matters most.
Coverage for Trades & Contractors
Specialized protection designed for the unique risks construction workers face every day on the job site.
Site Liability & Safety Protection
Comprehensive coverage that keeps your business and workers protected from on-site accidents and injuries.
Workers Comp Enhancement
Go beyond basic WSIB with enhanced benefits that provide real financial security for your crew.
Comprehensive Coverage For Your Team
From health and dental to mental wellness and travel protection
Income Protection
Ensure your employees financial security with life, AD&D, short-term, and long-term disability insurance.
Health Coverage
Comprehensive plans for prescription drugs, hospital stays, and extended healthcare services.
Medical Practitioners
Coverage for chiro, physio, massage therapists, and other healthcare professionals.
Mental Health Support
Access counseling services, therapy sessions, and programs for employee well-being.
Dental Care
Cover routine checkups, preventative care, and major restorative dental treatments.
Vision Care
Support eye health with coverage for exams, glasses, and contact lenses.
Travel Coverage
Protect employees during out-of-country trips with emergency medical and assistance services.
Get a Quote Today!
Ready to build the perfect group benefits plan for your team? Contact us for a fast, free, and customized quote tailored to your business.
Expert Guides for Ontario Construction
Download our comprehensive guides to help you navigate compensation planning and funding opportunities in the construction industry.
The 2025 Ontario Construction Compensation Guide
Your complete guide to competitive wages, benefits, and compensation strategies for Ontario's construction industry. Make informed decisions with up-to-date market data and expert insights.
File size: PDF
Download Free GuideProvided by AEC Benefits
Construction Funding and Grants Playbook
Unlock funding opportunities for your construction business. Discover grants, tax incentives, and financial programs available to Ontario construction companies.
File size: PDF
Download Free GuideProvided by AEC Benefits
Need help implementing these strategies for your team?
Get Your Custom QuoteDiscover Our Most Popular Plans
Choose the plan that fits your team's needs and budget
Silver Plan
Perfect for Starting a Program
* Costs starting for a Single Coverage Employee
- 80% Coverage Medical
- 80% Coverage Dental
- Life Insurance, AD&D, LTD, STD
- Paramedicals at $300/each
- Eye Glasses at $150
- EAP Program
- Out of Country Travel Insurance
- And, so much more...
Gold Plan
Perfect for Management & Established Teams
* Costs starting for a Single Coverage Employee
- 100% Coverage Medical
- 80% Coverage Dental
- Life Insurance, AD&D, LTD, STD
- Paramedicals at $400/each
- Eye Glasses at $250
- EAP Program
- Out of Country Travel Insurance
- And, so much more...
Platinum Plan
Compete with Union Plans & Top Industry Players
* Costs starting for a Single Coverage Employee
- 100% Coverage Medical
- 100% Coverage Dental
- Life Insurance, AD&D, LTD, STD
- Paramedicals at $500/each
- Eye Glasses at $350
- EAP Program
- Out of Country Travel Insurance
- And, so much more...
Need something different? We can create a custom plan tailored to your team.
💡 Benefits Insights Blog
Get expert tips, industry news, and practical advice for your benefits plan.
Read Latest ArticlesGetting a Quote Has Never Been Easier!
Whether you're comparing your current policy or exploring benefits for the first time, we make the process quick, easy, and stress-free.
Tell Us About Your Business
Share a few details about your company so we can understand your needs and explore the options available.
We Do the Heavy Lifting
Behind the scenes, we'll confirm your information and shop your needs with three top insurance providers we believe are the best fit for your business.
We then Review the Results Together
We'll set up a time to present our findings, complete with real numbers and personalized solutions tailored specifically to your team.
Let's start with Step 1
Get Started NowWhat Our Clients Say
Real experiences from business owners and HR professionals
"As a business owner it was an absolute pleasure to work with AEC benefits. Working with Steffen was a great experience as he was very knowledgeable in educating myself and all my staff in regards to our new groups benefits plan. Excellent plan options for our company and highly recommended!"
Dan G.
President
"AEC Benefits exceeded my expectations! I was completely impressed with Steffen's professionalism, efficiency, knowledge and service. Steffen has great energy, he's easy to talk to and has a no pressure approach. Pricing is competitive and transparent! I highly recommend this company!"
Amber T.
HR Professional
"I worked with Steffen deGraaf to set up health benefits for my company. It was a smooth process. I have a small company with few employees and they still gave me a reasonable quote. Thank you Steffen for making it so easy."
Iriene B.
Business Owner
"It was a pleasure dealing with Steffen, he really know's his industry and provides you with everything you need. Thank you"
Lars C.
Business Owner
"AEC Benefits went above and beyond, delivering a plan with more value and better coverage while saving us money. Their attention to detail and responsiveness made all the difference."
Sarah M.
HR Manager
"I was impressed by AEC Benefits' ability to enhance our coverage and still lower our costs. Their attention to detail and quick responses made the entire process smooth and efficient."
David T.
Director of Human Resources
We are Brokers and Work with All of Canada's Top Companies
Access to the best coverage from leading Canadian insurance providers
Canada Life
Manulife
Sun Life
Blue Cross
Equitable Life
Desjardins
As independent brokers, we shop your needs with multiple providers to find you the best value
Let's Build a Benefits Plan Together!
Enter your details below to get a customized quote and take the first step toward happier, healthier employees.