Most Canadian renewal letters arrive with a 10–18% hike and 30 days to push back. A licensed Canadian rep audits your existing plan line by line, flags every line item worth challenging, and gives you a written report — yours to keep, whether you switch or stay.
Quick online assessment, reviewed by a licensed Canadian rep.
Most Canadian owners get a one-page renewal letter and sign it. You deserve a real answer — line by line, in plain English — before you commit to another year.
Plan satisfaction, team size, business info, contact. About 90 seconds — quick and mobile-friendly.
Flagged by category, with sources you can verify. Delivered as a PDF to your inbox within 48 hours.
A licensed rep in your province walks you through the report, helps you decide what to push back on, and what (if anything) to switch.
Carriers and incumbent brokers can't credibly audit the renewal they just sent you. We can.
| TeamPerks | Your current broker | |
|---|---|---|
| Free renewal audit, no obligation | ✓ | ✗ |
| Independent of any single carrier | ✓ | ✗ |
| Written renewal report you keep | ✓ | ✗ |
| Compares Sun Life, Canada Life, Manulife, GreenShield, Equitable | ✓ | ✗ |
| Licensed Canadian rep in your province | ✓ | ✓ |
Anonymized snapshots from recent Canadian renewal audits.
Most Canadian carriers send renewal letters 30–60 days before the renewal date. You can typically push back, re-quote, or switch up to ~14 days before the effective date — sometimes even later. The audit takes 10 minutes online and the report arrives within 48 hours, so even tight timelines work.
No. The audit and written report are yours regardless of what you do next. We only introduce you to a Canadian rep partner if you specifically ask us to.
Then you have a written report confirming it. Either you find we're right and your renewal is fair, or we surface line items worth a conversation with your existing broker. Either way you're better informed before signing.
If — and only if — you choose to switch or expand a plan, our rep partner is paid a standard commission by the new carrier (the way every group plan in Canada is sold). You don't pay us anything, ever.
We serve Canadian businesses with 5+ employees in every province except Quebec. Quebec has distinct insurance regulation (RAMQ, CNESST, French-language requirements) and is out of scope for now.
Seven waste categories: over-insured life multiples, pooled-vs-refund funding misclassification, unused HSA balances, paramedical over-limits, dental fee-guide mismatch, drug card formulary waste, and commission-loaded premiums.
Most Canadian business owners renew their group plan without checking what's actually in it. The free audit takes 10 minutes — and it can change what you sign.
Start my free audit →THIS IS AN ADVERTISEMENT AND NOT AN ACTUAL NEWS ARTICLE, BLOG, OR CONSUMER PROTECTION UPDATE. This website contains paid advertising content. Results and findings described on this page are illustrative and may vary based on each business, plan, province, carrier, and renewal details.