My EDGE Plan

Benefits are Vital to Your Financial Independence

Having financial independence is about ensuring you can continue to make ends meet regardless what life throws your way. Benefits provide you a plan. They protect you against financial hardship and help keep out-of-pocket medical expenses low for costs not covered by most group and government plans. By transferring the financial burden from the significant risks you’re exposed to every day, benefits provide an affordable safety net that you wouldn’t be able to finance on your own.

Did you know?

If you saved 5% of your income for 10 years, that entire safety net could be wiped out in just 6 months of disability! Investing in a benefit plan can cost as little as a cup of coffee per day and protect your earning power for your entire working career.

Don’t Wait Until It’s Too Late

Risks of financial setback are greatest during your working years. Getting benefits now can save you hundreds of thousands of dollars and prevent unnecessary stress for you and your loved ones. Read More

1 in 3 working Canadians will experience a disability that affects them longer than 90 days.
50% of disabled Canadians indicate that their disability severely impacts their life and their ability to perform daily functions.
In your prime working years, the risk of experiencing a life-altering injury or illness is 2-4 times more likely than the risk of premature death.
Eligibility decreases and many premiums increase as you get older. By purchasing at a young age, you can secure lower premiums and establish protection before experiencing a medical setback.

The EDGE Makes Benefits Attainable, Affordable and Easy

The Edge Benefits Inc. is the #1 provider of flexible, affordable benefits for Canadian small businesses. Why? Because we’re a small business too, but also have the financial backing of the #1 individual insurance brand in Canada – the Co-operators Group of Companies. Over 60,000 Canadians trust the EDGE because we have been putting policyholders’ needs first for over 40 years and have proudly compensated customers with over $200 million in the past 10 years.

Our comprehensive suite of products includes Health & Dental benefits, Income Protection for Injury and Illness, Business Expense Reimbursement, Life Insurance, Critical Illness, Travel Medical Emergency, and special risk insurance. Read More

Discover the EDGE Difference
Best Coverage

We save you time and money by shopping the market for you.
We’ve partnered with the best Canadian insurers to develop products that are tailored specifically to the needs of the independent Canadian workforce.
Most products are Guaranteed Issue, meaning you can have protection almost instantly.
Our simplified application and underwriting process is the easiest and fastest in the industry to ensure you get higher levels of coverage quickly without the usual hassles.

Best Support

We develop a personal connection with our customers and are agile in adapting our products with the changing health landscape.
We understand the unique challenges small businesses face and the significant impact a sudden health-related event would have on their financial wellbeing and the sustainability of their business.
We have over 22,000 licensed advisors spanning all provinces and provide every client a concierge level of customer service.

Best Experience

We educate and empower consumers to make sound financial decisions.
We’ve transformed how Canadians buy insurance and how quickly their coverage becomes effective.
Our products are completely flexible to grow with our clients as their needs change.
It’s our mission to ensure clients questions and needs are accommodated in timely manner, and we deliver on that promise.

Use this interactive program to design, build and price a benefit portfolio that strengthens your level of financial independence, find out what you can qualify for, and purchase your benefits in one quick and seamless process.