Client-First Brokerage

We work for you .
Not the carriers.

AG Benefits is a modern brokerage built for business owners tired of overpriced premiums, rigid plans, and renewal surprises. We leverage fintech, insurance, and wealth management partnerships to find simple, modular solutions that actually work — and cost less.

Trusted Partners

Backed by Canada's Best

45+ carrier and fintech partnerships powering smarter benefits, lower costs, and better outcomes.

How We Help

A Smarter Way to Save

Clear advice, lower costs, and a partner who works for you — not the carriers.

Step 01

Book a Free Chat

Tell us about your business and what's keeping you up at night — insurance costs, benefit renewals, or tax strategy.

Step 02

We Run a Free Review

We scan your current setup across 45+ carriers and fintech platforms to find gaps, overcharges, and opportunities.

Step 03

Get Modular Solutions

No rigid packages. We build a tailored mix of insurance, benefits, and wealth tools that fit your business — CRA compliant and tax-efficient.

Step 04

Win & Keep Winning

We don't disappear after sign-up. Ongoing support, annual check-ins, and market scans keep your plans sharp and your costs low.

Two animated construction workers wearing hard hats shaking hands inside an unfinished building with wooden beams and city skyline visible through windows
"Going from rigid benefits to tailored plans with less renewal pain net us $4,200+ per employee."
DC
Dan C.
HVAC Business Owner, Stoney Creek, ON
"We had a group RRSP and DPSP through our bank charging nearly 2% in fees. Josh moved us to the Wealthsimple for Business ETF platform and the team couldn't be happier. Those fees were adding extra working years for our people — and way more HR paperwork than anyone needs."
ML
Michelle L.
Thunder Bay, ON
More From Your Benefits

Richer Coverage. Smarter Premiums.

Most plans waste premium dollars on coverage you'll never use. We benchmark 45+ carriers to build packages that actually deliver — more benefits your team wants, with less bloat and fewer overpriced renewals. Every dollar works harder.

Modern Benefits That Matter

Life Insurance Coverage
Group term life, AD&D & critical illness
Investment Matching
RRSP, TFSA, FHSA, profit sharing plans
Travel Insurance
Global emergency medical & trip cancellation
Dental Care
Cleanings, orthodontics & restorative work
Prescription Drug Coverage
Generic & brand-name medications
24/7 Telemedicine Access
Virtual doctor & specialist consultations
Mental Health & Therapy
Counselling, psychology & wellness apps
Massage Therapy & RMT
Registered massage & physiotherapy
Eye Care & Vision
Glasses, contacts & laser eye surgery
Longevity & Preventative Health
Wellness screenings & healthspan planning
Fertility & Family Planning Support
IVF, egg freezing, surrogacy & adoption
Hockey Gear Reimbursement
Sticks, skates, equipment & accessories
What We Cover

Tailored Modular Plans

Pick the modules that matter. Every solution is CRA compliant, tax-aware, and designed to integrate with your existing advisors.

Corporate Insurance

Key person, buy-sell, liability, and asset protection — designed to protect what you've built without overpaying.

  • 45+ carrier comparison
  • Renewal benchmarking

Group Benefits Plans

Flexible employee coverage — health, dental, life, disability. Modular plans that scale with your team.

  • No rigid packages
  • Renewal rate protection
  • Telus Health, Medcan & more
  • Advanced telemedicine access

Wealth & Tax Strategy

Corporate investing, insured retirement plans, succession planning — CRA compliant and tax-efficient.

  • CRA compliant by design
  • Tax-efficient structures

Personal Insurance

Home, auto, pet, term life, critical illness — all benchmarked across 45+ carriers.

  • Multi-product bundling
  • Annual rate check-ups

Debt & Cash Flow Planning

Strategic debt reduction, cash flow optimization, and smart use of corporate retained earnings.

  • Free debt analysis
  • Cash flow modeling

Investment & Retirement

TFSA, RRSP, FHSA, and corporate investment accounts — low-fee ETF strategies.

  • Lower-fee ETF options
  • Tax-sheltered growth
Client-First Fiduciary
Paid by carriers, not you. Our incentives are aligned with finding you the best deal.
Tech-Forward & Painless
Painless discovery process built for busy business owners. High-usage digital tools so you spend less time on paperwork.
Renewal Protection
We benchmark your rates months ahead. No surprises, no shock renewals.