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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 engender
loyalty and help associations strengthen
relationships. Crossgrove & Company works
diligently 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. Due to our production volumes
and reputation for quality underwriting we enjoy
preferred access to the largest carriers in the
Canadian market. Given a mandate from an
association we will whenever possible negotiate
exclusive discounts and or product enhancements;
providing value added service to association
members. The coverage falls 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 coverage's that should form
the cornerstone of a Consultant’s or Executive’s
risk management portfolio. Critical Illness
insurance can be structured to return 100% of
premiums paid, while Disability insurance 70%,
in the event of no claims over a specific
period. Corporately, both types of insurance can
be setup as a tax- deductible business expense.
Both corporately and individually we have access
to several of the most comprehensive offerings
at exclusive discounted rates. However, 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 maximum level of flexibility
comes on the corporate side, where cost
containment measures can be applied and plans
tailored specifically to the clients’ needs. Due
to the demand in this area for our expertise, we
have a separate division that exclusively works
on this portion of our clients’ risk management
portfolios. This division is headed by a
Principal who has over 25 years of experience
dealing with small and large professional-based
(accounting, consulting & law) corporations
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 ideal coverage for
their specific needs, otherwise one could be
paying far too much or be under insured over the
long term. Complexity enters into this area on
the corporate side when looking at issues such
as buy-sell, key person, succession planning,
etc. These are all areas for which Crossgrove
has earned a reputation of excellence.
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