Group Benefits & Retirement

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Personal Insurance

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Wealth Management

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Who needs Personal Insurance?


Risk of Critical Illness Before Age 65


Risk of Disability Before Age 65


Risk of Death Before Age 65

 For a 25 year-old female, non-smoker, the probability of dying, becoming disabled, or critically ill before 65 yrs of age is: 52%

The younger you are, the less you’ll pay for coverage (all else being equal). Lock in low rates today!

 What Type of Insurance Policy do I need?


Critical Illness Insurance – “If I incur a life-threatening illness, such as cancer, how will I provide for my dependents? What expenses will I incur in managing my illness?”

Disability Insurance – “If I can’t work, how will I pay for ongoing living expenses?” or …. “I have coverage, but is it sufficient to replace my lost income?”

Term Life Insurance  – “If I pass away, what happpens to my mortgage and other debts?”

Over 66%

of Canadians feel they are vulnerable to gaps in coverage or are underinsured – according to a study by Edward Jones

Attract & Retain Key Employees

with a Group Benefits & Retirement Plan

Why Implement a Group Benefits Plan?

  • 1. Tax efficient employee compensation
  • 2. Protect investment in Employees
  • 3. Reduce absenteeism and increase productivity

Crossgrove & Company’s value added service

Complete Analysis of present coverage: Identification of areas for cost savings

Preparation of Bid Specifications: Canvassing the entire market – soliciting quotes from insurer’s on our clients behalf

Detailed Report: A thorough analysis of your existing coverage will be detailed in a report, in which we will also outline our recommendation. Our recommendation is one that considers immediate savings, suitable coverage, the stability of premiums in the medium-to-long-term, and plan design.

Save 10% or more

on a plan with Equal or BETTER Benefits

Need a reason to setup a group retirement plan?

1. Allow you to invest money in your own retirement

2. Reduce your businesses tax burden

3. Reduce employee turnover – spend less on recruitment

Wealth Management

Crossgrove & Company’s approach to investing is simple:

Fees – Don’t know what you’re currently paying? We’ll take a look at your portfolio and provide you with full transparency with regards to fees – expressed as a weighted average Management Expense Ratio. High fees detract from the effect of compounding returns on your invested capital, leaving you less money in retirement.

Tax efficiency – Have you considered corporate class strucutures? Investors can switch between funds without triggering capital gains or losses, and are only subject to taxable dispositions when they sell their position in the corporation. Corporate class structure is ideal for high net-worth investors who have maximixed their registered plans.

Capital Preservation  – We focus of efforts on achieving our clients desired rate of return, without sacrificing the safety of their invested capital by assuming an innapropriate level of risk.

What are clients saying about Crossgrove & Company?

Valerie RavarySenior Consultant, Flaman Management Partners
“I found the services of Crossgrove & Company to be excellent. The team of professionals were particularly thorough and extremely patient, always striving to ensure I received the product most suited for my specific needs. I really appreciated the fact that no pressure tactics were employed, something that tainted my ...
James Van SlyckPrincipal, Tiburon Management Consulting
"I consider the services offered by Crossgrove & Company to be great. I want to acknowledge Crossgrove's good service.”
Edgardo GonzalezPresident, Project Recovery Specialists
"Crossgrove & Company certainly lives up to their billing! The Crossgrove Team exhibited keen interest, dedication, and the ability to get me a better deal. That is what service it all about!”
Casey PlaizierPresident, Greenhill Consulting
“I received prompt courteous, personal and knowledgeable service from Crossgrove & Company. Additionally, dealing with them saved me valuable time. No need to ‘shop’ when working with these professionals.”
Victor RocinePresident, Change Integration Systems
"The Crossgrove Team is action and results oriented. I value their knowledge and professionalism. They have listened and identified our needs for 10 years"
Frank Van GoolIntersol Consulting Associates
"Crossgrove & Company has provided our firm with better than competitive rates and has worked hard to accommodate our unique requirements. I would recommend their services to anyone"
S. F.
"I wanted to thank the entire Crossgrove team for your professional assistance related to my Canada Life Critical Illness Policy. When I first contacted you regarding my diagnosis of Multiple Sclerosis, I was uncertain, not only of what the ramifications of the disease might be, but also of just where ...
Gary CheinPresident, GFS Consulting
Crossgrove & Company provided GFS consulting with a complete review of our existing benefits program, and were able to secure a program that offered greater coverage and value, at significantly lower monthly premiums – a win-win…

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