About AEC Benefits
20+ years of making benefits simple, personal, and affordable for Ontario's construction industry.
Built on Relationships,
Not Just Policies
AEC Benefits was founded on a simple belief: benefits shouldn't be complicated. For over two decades, we've been helping Ontario construction companies and small businesses navigate the complex world of group benefits with personalized service and genuine care.
Unlike big agencies where you're just another account number, we take the time to understand your business, your team, and your goals. We don't sell cookie-cutter plans—we build custom solutions that actually fit your needs and budget.
Our founder, Steffen deGraaf, brings nearly 20 years of specialized experience in construction industry benefits. He understands the unique challenges of protecting workers both in the office and on the jobsite, and he's built direct relationships with Canada's top insurers to get you better rates and faster service.
We're not your typical broker—we're your benefits partner.
Our Values
The principles that guide everything we do
We Care
Every client matters. We build relationships, not just policies. Your success is our success.
Trust & Transparency
No hidden fees. No confusing jargon. Just honest advice and clear pricing.
Results-Driven
We focus on outcomes. Better coverage, lower costs, and happier teams.
Personal Touch
You're not a number to us. Every business gets personalized attention and custom solutions.
Our Journey
Two decades of growth, innovation, and dedication
The Beginning
Steffen began working in the family insurance business, focusing on simple one-on-one client relationships.
Industry Expertise
Started with a simple mission: make benefits simple and accessible for construction companies in Ontario.
Direct Partnerships
Became recognized specialists in construction industry benefits, understanding the unique needs of both office and jobsite workers.
Benefits Blueprint
Launched our revolutionary Benefits Blueprint tool, helping businesses rebuild their plans for actual needs.
Meet Our Founder
Leadership dedicated to your success
Steffen deGraaf
Founder & Benefits Specialist
With nearly 20 years of specialized experience in group benefits, Steffen has built AEC Benefits on the foundation of personal service and industry expertise.
His deep understanding of the construction industry's unique needs—from jobsite safety to office administration—has helped hundreds of Ontario businesses build better benefits plans that protect their teams and fit their budgets.
Steffen's direct relationships with Canada's top insurers allow him to negotiate better rates and faster service for his clients, setting AEC Benefits apart from typical brokers.
What Makes Us Different
We're not your typical benefits broker—here's why
❌ Typical Brokers
- •One-size-fits-all cookie-cutter plans
- •Focus on quick sales over relationships
- •Hidden fees and confusing pricing
- •Limited support after the sale
- •Generic industry knowledge
✓ AEC Benefits
- ✓100% custom-built solutions for your team
- ✓Long-term partnerships built on trust
- ✓Transparent pricing, no surprises
- ✓Active management and ongoing support
- ✓20+ years construction industry expertise
💡 Benefits Insights Blog
Get expert tips, industry news, and practical advice for your benefits plan.
Read Latest ArticlesExplore Our Tools & Resources
Benefits Blueprint
Take our quiz to discover what your team values most and get a custom plan recommendation.
Raise vs. Benefits Calculator
See the real cost of a raise vs. providing benefits — the numbers will surprise you.
View Our Plans
Browse our Construction, Small Business, Custom, and Individual plan options with transparent pricing.
Ready to Experience the AEC Difference?
Let's build a benefits plan that truly works for your team.