Group Benefits & Pensions
Protect your assets, your people, and your wealth.
CMB and Finuity – your partners in protecting your assets, your people, and your wealth.
Have confidence in a controllable experience that allows you to grow your business.
When your insurance, benefits and financing programs are not coordinated it can feel complicated and may produce unpredictable results for your business. To overcome this, CMB Insurance has created a single trusted source for predictable insurance, employee benefits, and financing solutions. Now you can have confidence in a controllable experience that allows you to grow your business. Call 587.689.2450 to get started. Already have a plan in place? Allow us the opportunity to ensure it remains competitive.
Group Benefits
Attract, retain and reward employees with a plan tailored to meet their needs and fit your budget. Customized solutions for all small, medium and large businesses. If you answer NO or are unsure of any of the following, it’s time for a review.
- Is your company the same size as last year?
- Does your benefits plan compare to that of your competitors?
- Are your employees getting full value from the benefits plan you offer?
- Have you implemented a Health Spending Account in your plan?
Access to all major insurers enables us to design and implement:
- Traditional plans
- Flex plans
- Health spending account
- Wellness spending account
- ASO service options
- Optional Critical Illness insurance
Managing your group benefits plan doesn’t have to be complicated. We provide:
- Apps for quicker claims processing
- Online enrollment
- Professional advice
- Timely service
Pensions & Group RRSPs
Help your employees build a more secure financial future
Stand out amongst your competition with a tax-deductible plan that rewards your employees for loyalty.
Offering a variety of products from top providers to ensure competitive fees:
- RRSPs
- Defined Contribution Pension Plans
- Tax Free Savings Accounts
- Deferred Profit Sharing Plans
Member experience is key:
- Online enrollment
- Interactive goal setting
- Retirement calculators
- Digital access
Depending on the plan design, there are ways to protect your contributions to an employee’s plan:
- Vesting periods
- Restricted withdrawal
- Controlled investment options
Employer-sponsored plans have many advantages:
- Lower fees
- Pre-tax employee contributions
- Tax-deductible employer contributions
- Promotes loyalty
- Tiered contribution %’s
Executive Planning
Help protect the profitability and viability of your business. We work closely with your lawyer and accountant to ensure your planning is in sync.
The uninsured loss of a business partner or key person can be a costly threat to your business:
- Debts called
- Funding of Buy-Sell Agreements
- Decrease in sales
- Cost to train and replace the key person
- Tax liabilities
Protect your human capital:
- Life Insurance
- Disability Insurance
- Business Overhead Protection
- Critical Illness Insurance
Retiring or selling your business? Planning steps to consider:
- Updated wills and informed executors and family directives
- Trusts
- Life insured known tax liabilities and debts
- Charitable giving and philanthropic planning
- Updated Wealth Transition Toolkit
We offer solutions for all your needs:
- Corporate investments
- Private Wealth Investment Platforms
- Individual Pension Plans (IPP’s)
- Retirement Compensation Arrangements (RCA’s)
- Life, Disability and Critical Illness Insurance
Why professionals trust CMB
When working with a new client, on average our audits uncover $1.5 M of business risk unaddressed and/or assets that have been overlooked.
The right program management can reduce the total cost of insurance by up to 30%.
On average, $20K recovery of lost profit for not-at-fault claims on heavy commercial units.
Your equipment claims settled up to 8 weeks faster than industry.
Savings of at least 10 hours of your time.
Approximately 70% of businesses have unaddressed risk—and don’t know it.
The average out-of-pocket cost of a loss is $280K—preventable on the right plan.