Our Providers – Individual Insurance


Preferred Providers 


While we place business with many carriers, we have special relationships with several companies whom we prefer to work with. Our knowledge of their products, administration, staff and underwriting provide us the ability to give our clients a higher level of service with these carriers compared to some of our junior providers.

 Individual Insurance


Great West Life – provides the affordable Term Insurance, Critical Illness and a wide array of Disability Insurance products.


 Manulife Financial – provides a wide portfolio of individual insurance products. Manulife offers one of the most flexible Universal Life policies in their Innovision UL.


Industrial Alliance Pacific – headquartered out of Vancouver, BC IAP Life offers the best Universal Life policy on the market today.


 RBC Insurance – provides some of the best rates for term insurance, especially in younger age bands. RBC also provides excellent Disability Insurance in their Professional series DI.


Individual Savings Providers



Industrial Alliance Pacific – offers a wide variety of Segregated Funds in all asset classes. A wide range of funds, from multiple managers using varied investments styles along with several specialty funds makes IAP an excellent choice for your investments. IAP also provides two  Registered Educations Savings Plans, and a Guaranteed Minimum Withdrawal Benefit (GMWB) known as Ecoflextra.


Standard Life – focusing on the investment market has allowed Standard Life to provide some of the best management fees in the marketplace. For high net worth clients Standard Life offers their low fee Platinum option for even lower fees. Low fees, and high performance ensure a solid rate of return on your investments.


 Other Providers


  • Axa Insurance
  • Co-operators
  • Desjardin’s Financial
  • Empire Financial
  • Equitable Life Insurance
  • Sun Life Financial
  • Transamerica




HMR Employee Benefits Ltd. 206-2187 Oak Bay Avenue - Victoria , BC V8R 1G1 PHONE: (250) 592-4614 - TOLL FREE: 1-888-592-4614 Fax: (250) 592-4953 - EMAIL:
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