Interactive tools
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By industry
Group benefits guidance tailored to your industry.
Construction & TradesGet tailored group benefits plans for construction companies in Alberta. Protect your workforce from the risks of physically demanding work and high turnover.View →
Trucking & LogisticsDiscover tailored group benefits plans for trucking companies in Alberta. Cost-effective solutions to reduce turnover and support your physically demanding workforce.View →
HVAC & MechanicalDiscover tailored group benefits plans for HVAC businesses in Alberta. Cost-effective solutions to reduce turnover and support your team's health & wellness needs.View →
PlumbingDiscover how group benefits can protect your plumbing business in Alberta. Cost-effective plans tailored to reduce turnover and support physically demanding work.View →
Restaurants & Food ServiceFind tailored group benefits plans for restaurants in Alberta. Get independent advice on cost-effective health, dental & life insurance coverage.View →
Accounting & Professional ServicesDiscover group benefits tailored to accounting firms in Alberta. Cost-effective plans that reduce turnover and protect your team's health.View →
Clinics & HealthcareDiscover tailored group benefits plans for medical clinics in Alberta. Get expert advice on cost-effective coverage that fits your healthcare team's unique needs.View →
Retail & HospitalityDiscover group benefits tailored to retail & hospitality businesses in Alberta. Get independent advice on health, dental, and retirement plans that fit your unique workforce needs.View →
By location
Independent, local support across Alberta.
EdmontonGet expert group benefits advice tailored to Edmonton businesses. Compare carriers, design plans, and negotiate renewals with local support.View →
CalgaryGet personalized group benefits plans in Calgary. We compare carriers to find the best fit for your business.View →
Red DeerGet tailored group benefits plans for your business in Red Deer. Independent comparison, local support, and expert advice to protect your team.View →
Free guides & checklists
Practical resources to download — no cost.
Group Benefits Renewal ChecklistEnsure your group benefits plan renewal is smooth and effective with our practical checklist.Get it →
New Business Benefits Setup GuideLearn how to set up group benefits for your small Alberta business with this easy-to-follow guide from AI+Trust Advisory.Get it →
HSA Eligible Expenses GuideDiscover what expenses qualify for your Health Spending Account (HSA) in Canada with this comprehensive guide.Get it →
Employee Enrolment ChecklistA practical guide to help Alberta employees enroll in benefits smoothly and without hassle.Get it →
Group Benefits Basics
Start here: what group benefits are, what they cover, and how they work.
What Are Group Benefits, Explained SimplyLearn about group benefits plans for small businesses in Alberta. Understand how they work and why they're essential for employee retention.Read →
Are Group Benefits Worth It for a Small Alberta Business?Learn how group benefits can benefit your small Alberta business and employees, including tax deductions, employee retention, and improved health.Read →
What Does a Group Benefits Plan Actually Cover?Learn what group benefits plans cover, including health, dental, life insurance, and more. Understand how to choose the right coverage for your Alberta business.Read →
Group Benefits vs Individual Insurance: What's the Difference?Learn about group benefits versus individual insurance, including cost efficiency and coverage options for your Alberta business.Read →
How Many Employees Do You Need to Start a Group Plan?Learn about the minimum number of employees required for group benefits plans in Alberta and how small businesses can benefit from offering such coverage.Read →
Coordination of Benefits: How Two Plans Work Together in CanadaLearn how coordination of benefits works when employees have coverage from multiple plans, including rules and best practices for Alberta businesses.Read →
Cost & Renewals
What plans cost in Alberta, why renewals move, and how to control spend.
How Much Do Group Benefits Cost in Alberta?Discover the costs of essential, standard, and comprehensive group benefits plans for small businesses in Alberta, along with tips on saving money.Read →
Why Did My Group Benefits Renewal Increase?Learn why your group benefits renewal cost might rise and what you can do about it as a small business owner in Alberta.Read →
How to Control Group Benefits Costs Without Cutting CoverageDiscover practical strategies for managing group benefits costs while maintaining comprehensive coverage for your Alberta employees.Read →
What Drives Group Benefits Premium Increases?Learn about the factors affecting group benefits premium increases and how to manage them for your Alberta business.Read →
How Group Benefits Renewals Are CalculatedLearn how insurance companies determine renewal rates for group benefits plans, including factors like claims history and demographic changes.Read →
Are Group Benefits Taxable in Canada?Learn about tax implications of group benefits in Canada, including health, dental, life, and disability insurance for employees.Read →
Is an Employer-Paid Health Plan a Taxable Benefit?Learn when employer-paid health plans become taxable benefits for employees in Canada, including how to report them on T4 slips.Read →
Are Long-Term Disability Benefits Taxable in Canada?Learn if long-term disability (LTD) benefits are taxable and how they affect your income tax obligations as an Alberta business owner.Read →
The Alberta Small-Business Group Benefits Benchmark (2026)Real benchmark data from 77 Alberta group benefits plans: median cost per employee, group sizes, carrier mix, and renewal timing for small businesses.Read →
HSA Tax-Savings Calculator (Alberta Incorporated Owners)Estimate what an incorporated Alberta owner could save by paying medical costs through a Health Spending Account.Read →
Plan Design & Decisions
Compare your options and design a plan around your team.
Health Spending Account vs Traditional Benefits: Which Fits Your Team?Discover when a Health Spending Account (HSA) or traditional benefits best suit your team's health needs and budget. Learn how to make an informed decision for Alberta businesses.Read →
Fully Insured vs ASO Benefits Plans, ExplainedLearn about fully insured and ASO (Administrative Services Only) benefits plans for Alberta businesses. Understand which plan suits your needs better.Read →
Using Benefits to Attract and Retain Talent in a Tight MarketDiscover how strategic benefits packages can help your small Alberta business attract top talent and retain employees in a competitive job market.Read →
How to Choose a Group Benefits Broker in AlbertaLearn how to select the right group benefits broker for your Alberta business with our guide on finding the best fit and what to look for.Read →
Cost-sharing Group Benefits with Employees: How It WorksLearn how cost-sharing works for group benefits in Alberta, including essential, standard and comprehensive plans. Understand the costs and benefits of employee contributions.Read →
Leaving a Government Job? What Happens to Your Benefits in AlbertaLearn what happens to your benefits when you leave a government job in Alberta. Understand how termination impacts coverage and premiums, and explore options for maintaining continuity.Read →
HSAs & Retirement
Health Spending Accounts and group retirement (RRSP/DPSP) explained.
How a Health Spending Account (HSA) Works in CanadaLearn how HSAs work, their benefits, and eligibility criteria for Canadian businesses. Ideal for small to medium-sized companies looking to enhance employee health coverage.Read →
Group RRSPs Explained for Alberta EmployersLearn how group RRSP plans work in Alberta, including tax benefits and employer contributions. Perfect for small to medium-sized businesses looking to offer retirement savings.Read →
Group RRSP vs DPSP: What's the Difference?Learn about Group RRSP and Defined Contribution Pension Plans (DPSP) and how they differ in terms of contributions, tax benefits, investment options, and employer requirements.Read →
How Employer Matching Works in a Group Retirement PlanLearn how employer matching contributions enhance group retirement plans, boosting employee savings and attracting talent.Read →
Can a Business Owner Set Up an HSA for Themselves?Learn how to set up and benefit from a Health Spending Account (HSA) as a self-employed individual or business owner in Alberta.Read →
What is a Private Health Services Plan (PHSP) in Canada?A PHSP provides tax advantages for health expenses not covered by government plans. Learn how it works and its benefits for businesses and employees.Read →
Health Spending Accounts for Alberta Incorporated Business OwnersHow incorporated Alberta business owners use a Health Spending Account (HSA/PHSP) to pay medical and dental costs through their corporation, tax-effective.Read →
Owner & Business Protection
Key-person, buy-sell and coverage built for owners.
Key-Person Insurance: What It Is and When You Need ItLearn about key-person insurance, its benefits for small businesses in Alberta, and when it's essential to have this coverage.Read →
How to Fund a Buy-Sell Agreement with Life InsuranceLearn how life insurance can fund buy-sell agreements, ensuring smooth transitions for your business in case of an owner's death or disability.Read →
Do Business Owners Get Their Own Group Benefits?Learn if business owners can access group benefits plans designed for their employees and how these plans can benefit them.Read →
Protecting Your Business When a Key Employee Leaves or PassesLearn how to safeguard your business from financial loss when a key employee leaves or passes away with proper insurance coverage and planning.Read →
Setup & Administration
Enrolment, terminations, employee education and admin duties.
How to Set Up Group Benefits for Your Business Step-by-StepSetting up group benefits for your Alberta business? Follow our step-by-step guide to understand the process, choose the right plan, and ensure a smooth setup.Read →
A Simple Guide to Employee Benefits EnrollmentLearn how to enroll employees in benefits plans effectively with this guide. Understand deadlines, opt-out options, and communication strategies.Read →
How to Add or Remove Employees from Your Group PlanLearn how to add or remove employees in your group benefits plan, ensuring compliance and coverage for all team members. Essential steps for Alberta business owners.Read →
What Plan Administrators Need to Know About Benefits PlansLearn about the key duties of a benefits plan administrator, including fiduciary responsibilities, governance frameworks, and roles and responsibilities.Read →
How to Help Employees Understand Their BenefitsLearn how to educate employees about their benefits, improve plan usage, and boost morale with clear communication strategies.Read →
What Happens to Coverage When an Employee Leaves?Learn how group benefits coverage changes when employees leave a company in Alberta, including termination rules and options for continued coverage.Read →
Working Past 65: What Happens to Group Benefits?Learn how group benefits change when employees work past age 65 in Alberta. Discover key considerations for health, travel, and coverage limits.Read →
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