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Group Insurance Solutions

1-800-665-8990 www.westernfgis.ca

Western Financial Group (Network) Inc.

Premium Savings

Due to TotalGUARD's unique structure, we can provide your business with an immediate reduction in premiums for equivalent coverages.

Group Insurance Solutions represents thousands of businesses and many associations across Canada. The foundation of our success is based on providing the right products, pricing, service, and rate stability that is unique within the marketplace. We are very proud of our partnership with the Manitoba Hotel Association and it is our goal to provide as much value as possible to member properties.

Often, firms that are part of traditional employee benefits programs with large insurance companies are paying high premiums for too little coverage and are subject to substantial fluctuations in rates. The structure of our program allows our insured firms to benefit from rate stability, cost effectiveness, administrative efficiencies, flexibility in plan choice, and strength in numbers.

Features & Benefits

Premium Savings

• Due to TotalGUARD's unique structure, we can provide your business with an immediate reduction in premiums for equivalent coverages.

Rate Stability

• Stability is generated by spreading claims over the entire pool.

Program Flexibility

• Member properties will now have many different coverage options to choose from.

Online Direct Invoicing/Billing

• Massage therapists, physiotherapists and chiropractors may invoice claim payment service provider Green Shield Canada direct, avoiding any out of pocket expenses.

Pay-Direct Drug/Dental Card

• All insured persons will receive this automatic payment card, which is like a credit card that insured persons can use for their drugs and dental services, to prevent having to pay up front and then applying for reimbursement. Insureds are required merely to pay the amount of co-insurance at the time of purchase/service.