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Crossgrove & Company partners with associations
that care about their membership and who inspire
pride and passion among their members. We
provide products and services that express
loyalty and help associations strengthen
relationships. Crossgrove & Company works
aggressively to understand people who share
common interests, ensuring the risk management
solutions provided meet the needs and surpass
the expectations.
We specialize in individual risk management
solutions through living benefits, health and
life insurance. In our area of specialty we have
access to virtually every insurance alternative
in Canada. For your association we will attempt
to negotiate exclusive discounts with the
insurance companies on coverages that are the
most beneficial to your membership. The
coverages would fall into the following
categories:
Living Benefits:
The two areas of living benefits are Critical
Illness and Disability Insurance, which are
designed to protect your income and assets while
recovering from a disability or illness. Both
are the essential coverages that the core of a
Consultant’s or Executive’s risk management
portfolio should comprise of. We will
demonstrate to you and your membership that one
must be very cautious with living benefits for
the key is not price, but rather the
definitions/contractual language of the
coverage.
Health:
Either corporately or individually health and
dental plans can be set up extremely
efficiently. The optimum level of flexibility
comes on the corporate side, where cost
containment measures can be applied and plans
tailored almost specifically to the client’s
needs.
Life Insurance:
Of the three areas of protection, life insurance
is the least complex. Within the market there
are several different types of life insurance,
each one designed for a different purpose. It is
imperative that one has the most advantageous
coverage for their specific needs, otherwise one
could be paying far too much or may be under
insured over the long term. | | | |
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