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Revolutionizing Benefits for Canadian Real Estate Professionals by providing access to competitive offerings previously limited to Large Employer Plans

No waiting period

No annual deductible

No medical underwriting

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Independent contractors can apply for coverage below. Why do we ask for this information?

QUOTE MY GROUP.

Interested in having your company join the Program?

The Canadian Real Estate Benefits Program

PLAN OPTIONS

With input and guidance from real estate veterans in Western Canada, the Canadian Real Estate Benefit Program has been designed to break down the barriers of entry to a competitive benefits program for real estate professionals across Canada, simplify the enrollment process and provide an industry leading mobile app for direct billing. All plan options below are available until age 70.

BRONZE
SILVER
GOLD
LIFE INSURANCE
Coverage Amount
Coverage reduces by 50% at age 65
$25,000
$25,000
$25,000
AD&D
Coverage Amount
Coverage reduces by 50% at age 65
$25,000
$25,000
$25,000
EXTENDED HEALTH CARE
Reimbursement Level
80%
90%
100%
Health practitioners
Covered practitioners below
$300 per practitioner
$500 per practitioner
$500 per practitioner
Psychologist
Social Worker
Clinical Counselor
Massage Therapist
Speech Therapist
Physiotherapist
Naturopath
Acupuncturist
Osteopath
Chiropractor
Podiatrist
Chiropodist
Accidental Dental
$2,000 per lifetime
$2,000 per lifetime
$2,000 per lifetime
Ambulance
Unlimited ground and air
within Canada
Unlimited ground and air
within Canada
Unlimited ground and air
within Canada
Custom orthotics and orthopedic shoes
$250 per 2 calendar years
$350 per 2 calendar years
$350 per 2 calendar years
Diagnostic tests
$500 per calendar year
$500 per calendar year
$500 per calendar year
Hearing aids
$500 per 60 months
$500 per 60 months
$500 per 60 months
Hospitalization
100% coverage for semi-private
90% coverage for semi-private
100% coverage for semi-private
Nursing care
$10,000 per calendar year;
to a maximum of $25,000 per lifetime
$10,000 per calendar year;
to a maximum of $25,000 per lifetime
$10,000 per calendar year;
to a maximum of $25,000 per lifetime
Other medical services & supplies
Reasonable & customary charges
Covered
Covered
Covered
Oxygen
$1,000 per lifetime
$1,000 per lifetime
$1,000 per lifetime
Prostheses
$10,000 per lifetime
$10,000 per lifetime
$10,000 per lifetime
PRESCRIPTION DRUGS
Reimbursement level
90% Pocketpills Pharmacy
80% All Pharmacies
90% Pocketpills Pharmacy
80% All Pharmacies
100% coverage at all pharmacies
Prescription drug
$2,500 Annual Drug Max
$5,000 Annual Drug Max
$7,500 Annual Drug Max
Diabetic supplies
$1,000
$2,000
$5,000
Glucose monitoring systems
$175 per 48 months
$175 per 48 months
$175 per 48 months
VISION CARE
Reimbursement level
80%
80%
100%
Eye exams
$75 per 24 months 12 months for dependent children
Reasonable and customary limit per 24 months 12 months for dependent children
Reasonable and customary limit per 24 months 12 months for dependent children
Frames and lenses
No coverage
$200 per 24 months
$300 per 24 months
WORLDWIDE TRAVEL
Reimbursement level
100%
100%
100%
Travel maximum
Up to age 80
$5,000,000 per person
per incident
$5,000,000 per person
per incident
$5,000,000 per person
per incident
Travel days per trip
90
90
90
Trip cancellation and interruption
No coverage
$5,000 per person per trip
$5,000 per person per trip
Baggage loss
No coverage
$500 per person per trip
$500 per person per trip
Worldwide travel assistance
Yes
Yes
Yes
DENTAL CARE
Basic care reimbursement level
(cleanings, fillings, extractions, root canals etc)
80%
90%
100%
Major restoration reimbursement level
(crowns, bridges & dentures)
No coverage
50%
50%
Combined services maximum
$1,000
$1,500
$2,000

Monthly Program Pricing

Choose your Province of residence

BRONZE
SILVER
GOLD
Single
$86.40
$115.94
$140.84
Couple
$153.03
$204.43
$251.01
Family
$201.19
$269.77
$331.85

The Canadian Real Estate Benefits Program

IN A CLASS OF ITS OWN

Simple

Paperless end to end. Enroll, view coverage and submit claims digitally.

Competitive

Comprehensive coverage priced right for Real Estate Professionals and their families.

Established

Founded by insurance industry leaders  who share the same entrepreneurial spirit of the real estate industry. 

Program FAQ

Am I Eligible to Join?

The flexible benefit plan options have been specifically designed with real estate professional’s financial protection and well-being in mind.  Any licensed real estate agent or mortgage broker in Canada (excepting Quebec for now) is eligible to join the Program.  Upon your application, your license status will be confirmed with your Province’s licensing body in order to approve your eligibility.  Once you’ve joined the Program it is your contractual obligation to inform Hub International and Effortless Admin should you cease to be a licensed real estate agent at any time.

 

How Do I Enroll?

If approved, Hub International will initiate a digital enrollment process on the Effortless Admin platform.  You will receive the invitation by email and be able to complete your enrollment on your computer, tablet, or smartphone. 

How Do I Select My Coverage Level?

The Effortless Admin digital enrollment process will provide you with your coverage options with built in decision support to help you differentiate between coverage.  You can Live Chat the Effortless Team in real time should you have questions about the process.  Also, every key stroke is saved, so you are able to leave the process to confer with your spouse before selecting coverage and then come back and pick up where you left off without having to re-enter any information.

 

When Can I Enroll?

Eligible applicants can enroll any time after June 1, 2023.

When Will My Coverage Take Effect?

The Program does not have a waiting period.  Your coverage will take effect the first business day of the month immediately following the month in which you enroll.

Is There a Yearly Deductible for the Health and Dental Plan?

No, there is no deductible for any of the plan coverage levels.

How Am I Billed for My Coverage?

The Program mandates pre-authorized debit (PAD) as the only approved payment method.  The Effortless Admin digital enrollment includes a PAD setup process together with market standard PAD agreement terms and conditions. If you enroll in the Program, you will be required to pay the full, total monthly cost for each month without proration.  Your monthly invoice will be delivered digitally via the Effortless Admin platform on the last business day of each month, and premiums are withdrawn on the 10 day (or next business day) of each month.  For example, you will be invoiced for July premiums on June 30, with payment being collected July 10.

Can I Change my Coverage Level?

Effortless Admin facilitates a digital re-enrollment process.  Currently the Program allows you to reselect your coverage every 24 months or upon the occurrence of a life event that impacts your coverage requirements, such as marriage or the birth of a child.  Please note that the standard reselection period may be normalized to a calendar year; in which case your initial coverage selection period may not be exactly 24 months.  You will be asked to re-confirm your license status at each re-enrollment.

How Can I Terminate my Coverage?

You are able to terminate your coverage at any time on 30 days notice to groupbenefits@effortlessadmin.com If you leave the Program for any reason, you will not be eligible to enroll again for a period of 2 years.

How Can I Learn More About the Program?

You can book a meeting with our team here or reach out by email:
 

Jamie Deba, Account Executive
jamie.deba@hubinternational.com

Rosie Sarabia, Senior Account Manager

rosie.sarabia@hubinternational.com

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