Group Benefits,
thoughtfully arranged
Employee benefits, non-profit plans, key person coverage, and buy-sell insurance for Ontario businesses. Independent advice from a broker who understands what your team needs.
A great benefits plan is among the most powerful retention tools a business has.
What are group benefits?
Group benefits are insurance and wellness programs that employers provide to their teams. In today's competitive labor market, offering quality benefits is not merely a perk — it is a powerful tool for attracting talent, retaining employees, and demonstrating that your organization values the people who make it run.
For small and mid-size businesses in Toronto, the GTA, and across Ontario, group benefits packages typically include extended health care, dental coverage, life insurance, and disability protection. Beyond these core elements, many companies add Employee Assistance Programs, vision care, travel emergency coverage, and Health Spending Accounts.
As an independent broker with over 25 years of experience, Michael Mlotek designs and implements benefit programs tailored to each organization's needs and budget. Unlike captive agents who represent a single carrier, Michael compares options across multiple insurers — ensuring you get genuine value rather than a one-size-fits-all solution.
Quick Reference
Solutions for every situation
Employee Group Benefits
Comprehensive health, dental, life, and disability coverage for your team.
Learn MoreIINon-Profit Benefits
Pooled benefit plans designed specifically for charitable organizations.
Learn MoreIIIKey Person Insurance
Protect your business from the financial impact of losing a critical contributor.
Learn MoreIVBuy-Sell Insurance
Fund partnership agreements and ensure smooth ownership transitions.
Learn MoreVExecutive Benefits
Enhanced coverage packages designed for senior leadership retention.
Learn MoreIs this right for you?
Small businesses (3-25 employees)
Companies seeking competitive benefits to attract and retain talent.
Growing mid-size firms
Organizations scaling up and needing more sophisticated benefit structures.
Non-profit organizations
Charities and associations seeking affordable pooled benefit options.
Professional partnerships
Law firms, medical practices, and professional groups requiring buy-sell coverage.
Family businesses
Multi-generational companies planning for succession and key person risks.
Tech startups
Young companies competing for talent with compelling benefits packages.
Why work with MM Insurance?
Independent
Multiple carriers compared, not one offered.
Experienced
25+ years, thousands of policies placed.
Plain Language
Insurance translated into clarity.
Always Available
Direct line to your advisor.
Helping Ontario businesses build competitive benefit programs since 1999.
Frequently asked
Most carriers require a minimum of 3 employees. Some plans accept 2. For very small groups, options like Health Spending Accounts or association plans may be more practical. Michael assesses your situation to recommend the most appropriate solution.
Standard plans include extended health care (prescriptions, paramedical), dental, basic life insurance, and short/long-term disability. Many plans also offer vision care, Employee Assistance Programs (EAP), travel emergency coverage, and optional dependent life insurance.
Pooled benefit programs group multiple non-profit organizations together, giving smaller charities access to group rates they could not achieve alone. This makes quality employee benefits accessible to organizations that might otherwise struggle to afford them.
Key person insurance is a life and/or disability policy owned by the business on a critical employee or owner. If that person dies or becomes disabled, the business receives funds to cover recruitment costs, lost revenue, or debt repayment during the transition period.
Buy-sell insurance funds a legal agreement between business partners. If one partner dies, the insurance proceeds allow surviving partners to purchase the deceased partner's share from their estate, ensuring business continuity without financial strain on either party.
Yes. Unlike one-size-fits-all plans, Michael works with carriers to design benefit structures that match your company's needs and budget. You can choose coverage levels, waiting periods, cost-sharing arrangements, and optional add-ons.
Quality benefits demonstrate that you value your team's wellbeing. They reduce out-of-pocket health costs for employees, provide peace of mind, and make your compensation package more competitive — all factors that increase loyalty and reduce turnover.
Most group plans include conversion privileges that allow departing employees to convert to individual coverage without medical underwriting. This ensures continuous protection and is a valuable benefit for your team.
Let's discuss your group benefits options.
Reach out for a private consultation — no obligation.