Protecting
Business Owners
Their Employees & Their Legacy
From group benefits and key person insurance to succession and legacy planning, we help business owners create customized protection strategies for every stage of growth.
403-427-1472
Speak With an Advisor
Call or text us today!
Who We Are
Family-Owned. Entrepreneur-Driven.
We are a family-owned and operated business proudly serving Airdrie and the surrounding communities. As generational entrepreneurs, we understand first-hand the challenges, risks, and responsibilities that come with running a business.
As the sister company to First & Main Financial Services Inc., our focus is helping business owners protect their companies, support their employees, and plan confidently for the future.
We believe business owners deserve personalized advice, responsive service, and real relationships — not a call centre or a 1-800 number.
Whether you’re a sole proprietor, growing company, or established corporation, we can help design a plan that fits your stage of business.
What We Do
Business Protection Solutions
We help business owners protect their companies, families, employees, and long-term financial future through customized strategies including:
- Group health and dental benefits
- Group retirement and savings plans
- Health spending accounts (HSAs)
- Key employee insurance
- Buy-sell insurance funding
- Business debt protection
- Business overhead expense protection
- Individual disability insurance
- Corporate investment solutions
- Succession and legacy planning strategies
Why Work With A Local Advisor?
Working with an advisor does not increase the cost of your benefits or insurance coverage.
Our compensation is paid directly through the insurance and investment companies to provide ongoing service to you.
What you gain is:
- Professional guidance
- Customized recommendations
- Ongoing service and claims support
- Renewal reviews and plan strategy
- Direct access to an advisor who knows your business
Instead of calling a generic support line, you’ll have a dedicated resource for both employer and employee questions.
Built for Business Owners
As business owners ourselves, we understand that entrepreneurship rarely fits into a traditional 9–5 schedule.
That’s why we offer flexible meeting options, virtual appointments, and personalized service designed around your availability.
We understand the pressure of managing employees, cash flow, growth, risk, and long-term planning because we live it too.
We Help at Every Stage of Business
You may benefit from a complimentary review if you are:
- Starting a new business
- Expanding your company
- Hiring your first employee
- Operating as a sole proprietor or incorporated individual
- Reviewing group benefits renewal options
- Looking to improve employee retention
- Unsure whether benefits make sense yet
- Needing better service and support from your current provider
Protecting Your Business & Family
For many entrepreneurs, a business is more than income — it’s a legacy built through years of sacrifice, risk, and hard work.
We help business owners create protection strategies that support:
- Their families
- Their employees
- Their business partners and future generations
Even if you already have coverage in place, we can provide a second opinion and ongoing advisor support.
Let’s Build a Protection Strategy for Your Business
Whether you’re starting a company, growing your team, or planning for the future, we’re here to help. Book a complimentary consultation to review your business protection, employee benefits, or succession planning needs.
Frequently ASked Questions
Do small businesses need group benefits?
Group benefits are a great way to attract top talent to your growing business. There are a variety of benefit solutions to match the needs of small to large companies. Our team will help guide you through options like health spending accounts, pooled rate benefits, and fully customized benefit plans.
Can a company with only one employee get benefits?
Yes, a company with only one employee can get health benefits, whether by utilizing a health spending account for incorporated individuals or signing up for a personal health plan.
Is working with a benefits advisor more expensive?
Often, working with a benefits advisor will save the company money in the long run. Your advisor will negotiate with insurance companies on your behalf and leverage the ability to shop other carriers. This not only keeps providers competitive, but it also saves you time so you can focus on your company.
Health spending account or traditional benefits?
A Health Spending Account is a flexible plan that can be used for any traditional medical expenses. You can set a dollar amount for yourself, shareholders, managers, and employees to use on an annual basis as an employment ‘perk’. Traditional benefits provide a more structured benefits plan but offer fixed premiums that will protect against more severe, unexpected health events that could cover higher costs. Traditional benefits and health spending accounts can also be used together for the most robust coverage.
What insurance should business owners consider?
There are a variety of insurance solutions that a business owner can leverage, whether you are looking to protect human capital, diversify corporate investing, or protect your family from business liabilities. Your business is unique, and speaking with an advisor will help clarify which solution is best for you.
What is key person insurance?
Key person insurance describes life or critical illness insurance on an employee who is essential to business operations. Think about what your business would need to cover in lost revenue or training expenses if this employee was suddenly unable to work.
How does buy-sell insurance work?
This type of coverage is for any business where there is more than one shareholder. If a shareholder dies, this insurance pays out to the corporation or surviving owner to fund the company’s ability to buy their shares from the deceased’s estate. This ensures the death of a partner does not erode corporate savings or liquidate company assets.
Can benefits improve employee retention?
Countless surveys show most Canadians have a deeper loyalty to their employer if benefits are provided. In fact, a company’s benefits package can often be a key deciding factor when talent is searching for new employment.
Should life insurance be owned personally or corporately?
This question is highly dependent on your specific corporation, and it is important to understand all the tax implications. When deciding whether to hold life insurance corporately, we will carefully review the corporation’s longevity, current personal income tax brackets, and possible tax implications for the death benefit.
When should a business review its benefits plan?
A business owner should speak to their advisor 1–2 months before their plan’s annual renewal to review plan utilization, changes in employee demographics, and market changes. Benefits plans should also be frequently reviewed with employees to make sure the plan is suitable for their needs. Often, plans are changed due to employee feedback.
Can incorporated business owners get disability coverage?
Your ability to generate income is your largest asset, making disability coverage one of the most important policies you can own. There are plans tailored to business owners that can cover business overhead expenses in addition to your individual lost income. Don’t let an illness or injury jeopardize your business.
What happens to group benefits when employees leave?
When an employee leaves, their plan should be terminated on their last day of employment. The departing employee should be referred to your advisor so we can help avoid gaps in their coverage and prevent time-sensitive benefit continuation options from expiring. We can provide continuation of coverage options for the individual or family.