Group Insurance

Group Insurance:
Value Added Services

Acyva offers group insurance in association with AGA Financial Group Inc. — a partnership that lets us propose exclusive contracts and significant economies of scale. This means our clients benefit from substantial savings time and again. We work with every insurer on the market, and our premier contracts afford you the best possible protection.

Our ability to administer group insurance plans means we can offer value-added services:

  • A group insurance plan with several insurers (one bill)
  • Plans that combine insurance and self-insurance
  • Critical illness insurance included at no extra charge
  • Health spending accounts / Cost Plus
  • Employee assistance programs
  • Prevention programs (employee health and welfare)
  • Private management of your group insurance plan
  • Exclusive contracts

Our Exclusive

Our Exclusive Contracts

Our Signature contracts offer a guaranteed rate over a three-year period. Plus, when your contract comes to term, you have the option of sharing the scheme’s profits with the insurer.

Signature contracts are offered to companies whose annual premium reaches $150,000, and include employee health and welfare benefits.

AGAFlex contracts are offered to small groups (premiums of under $50,000). These policies include critical illness insurance and an employee assistance program. Policy administrative costs are also very competitive.


Self-insurance may be financially advantageous for companies with group insurance coverage.

In choosing this plan, your company becomes responsible for a portion of any claims, i.e. manages the risk of weekly indemnity and health/dental care up to a predetermined limit. The risks of the other guarantees are divided among the various insurers.

In return, the company enjoys significant financial benefits. AGA Financial Group Inc. administers this concept.

Companies Without
Group Insurance

Many companies do not offer a group insurance plan, under the pretext of high costs or an insufficient number of employees.

We can offer affordable insurance plans for groups of two or more employees. The employer must be willing to contribute to the plan’s cost (minimum 25%).

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Voluntary Retirement Savings Plan (VRSP)… Waiting for legislation…