Innovation for Employers

Employee Group Benefits

Redcliffe Financial Group has been a pioneer of custom Employee Group Benefits and Pension Plans which combine traditional brokerage and consulting approaches to reduce costs, enhance transparency and provide long-term administrative ease. Whether you are a two person firm, a large corporation, or a union – RFG can design, implement and successfully manage your plan.

Employee Group Pension Plans and RRSPs

If you are reviewing or are thinking of starting a Group Pension Plan or RRSP, RFG provides brokerage and consulting services – ensuring competitive management fees, a comprehensive menu of investment options and regular group financial education. Group seminars are followed by voluntary one-on-one appointments for plan members to discuss their financial goals and learn how to achieve them.

Topics for educational seminars include:

Money Management – net worth statements, budgeting and the effects of compound interest on savings

Debt and Credit – the importance of building credit, reducing high interest debt and the basics of leveraging

Investing – risk / return correlation, investment vehicles, long-term investing vs. speculative investing

Risk Management - insurance products for those with and without dependents

Life Events – the early years, marriage/partnerships, births and deaths – How financial planning fits into different life events

Retirement Income Planning – exploring the various retirement income sources and options

Wills & Estate Planning – the importance of wills, beneficiary designations, proper estate planning and their updating as the years go by

Private Health Service Plans for Businesses and Business Owners

Traditional health and dental insurance is not for every employer. If you are incorporated or a sole proprietorship, RFGs Private Health Service Plans (PHSPs) are an excellent supplement or compliment to traditional group plans. Write off the health and dental expenses for you and your employees through a PHSP today.

Innovation for Individual Clients

Term Life Insurance / Mortgage Insurance

Shopping for term insurance and mortgage insurance has never been easier. With RFG’s insurance quoting software, clients get access to every life insurance company in Canada at the click of a button.

Click here to calculate your insurance needs.

Permanent Life Insurance

When shopping for permanent insurance products, RFG provides the most competitively priced and flexible products available in the market. Our quoting software allows for your insurance plan to be designed to your specifications and budget.

Individual Health and Dental Insurance

Whether you have just retired or are looking for individual health and dental coverage – RFG has a comprehensive menu of products available to purchase online.

Travel Insurance & Trip Cancellation Insurance for Canadians and Visitors to Canada

RFG has partnered with one of Canada’s top travel insurance providers. With easy online quoting and purchase options, buying travel insurance has never been easier.

Special Risk Coverage

If you have been previously declined, have very high income or an occupation requiring special underwriting, RFG has access to special risk products underwritten by Lloyd’s of London. Please contact us today to explore your options.

Our products include:

International Travel – we offer disability and personal accident coverage to Canadians traveling anywhere in the world.

Expatriates – we offer life, disability and personal accident coverage to Canadians living anywhere in the world.

High Income Top-Ups – we offer much higher replacement ratios for DI cases on high income earners (AND we ignore unearned income and net worth).

Large Disability Buy-Sell, Key Person and Business Overhead needs – our limits are much higher than those available in the regular market.

Executives losing group LTD at age 65 – where traditional disability ends at 65, our products are able to insure you after the age of 65.

Short Term needs – we can provide coverage for as little as 1 day when needed.

War Risk – we can provide coverage to fill in for war exclusions in personal or association coverages.

Unique Occupations – we offer disability coverage to actors, entertainers, artists, athletes and other occupations not insurable in traditional markets.

Termination with Severance – we offer Transition LTD, a unique DI product we designed specifically for this market.