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Services
STA is known for its hard work and results, its after-sales service and its experienced team of brokers who strive to meet the needs of their clients at the lowest possible price.
Whether you are a union, private firm or municipality…
... Choosing STA means choosing an innovative partner specializing in group insurance – and only in group insurance – who is ready to put its expertise to work for you.
STA: A proven approach
- Determine your group insurance needs.
- Create a plan that best suits your needs.
- Develop advantageous financial arrangements that only an independent firm with no affiliations to insurance or financial companies can provide.
- Make changes to your group insurance contract when you need it or to accommodate legislative changes.
- Be your partner every step of the way.
Call us to find out more. STA’s knowledgeable group insurance brokers have been meeting your needs for more than 20 years.
Consult STA’s online services:
Evaluating your organization
Selecting the right group insurance plan
Making the most of your investment
Minimizing your taxes
Negotiating with insurers
Developing leading-edge solutions
Providing independent, expert advice
Evaluating your organization
STA: Your first meeting in three steps:
- Presentation of STA and the services it provides
- Overview of your organization via a short questionnaire
- Recommendations for optimizing your group insurance plan while still respecting your members’ budgets.
Our proactive approach guides you in the selection and setup of a beneficial group insurance plan that makes the most of your investment.
Selecting the right group insurance plan
STA, specialists in group life and health insurance, can guide you in selecting a plan that suits your needs and leverages your strategic investment.
Your organization’s commitment to a good insurance plan can help you sharpen your competitive edge and offer significant advantages to your valued employees – thereby improving your recruiting, loyalty and retention efforts. This is part of a long-term corporate strategy and represents an important investment in your people: your most important resource.
Making the most of your investment
Your group insurance plan is a strategic investment that takes into account your business plan, positioning, goals and financial means. The STA team can help you leverage this investment using recognized actuarial principles and negotiate with insurers to obtain the best rates for your employees.
For example, STA recommends that you implement a cost control program, depending on your situation. STA brokers can help you develop a demographic profile of your employees and projections regarding the use of certain services covered under your insurance plan.
The STA team is highly knowledgeable about the ins and outs of heath care plans and ways of effectively managing costs. STA offers you a variety of financing alternatives and options regarding the services covered. These innovative solutions will ensure that you get the most out of your plan.
Minimizing your taxes
STA brokers can inform you about strategies designed to reduce the indirect amounts you pay per employee and cut down on the taxes paid by your personnel. You can also find out how to save on your group insurance rates.
And you can rest assured knowing that you are in good hands, with two STA brokers assigned to your file.
Negotiating with insurers to get the best deal for you
STA boasts a devoted team of life and health insurance professionals, including a customer service representative and an actuary who negotiates with insurance companies to ensure you get the lowest possible rates.
Developing leading-edge solutions
Made-to-measure plans
The STA team has developed a range of tools to ensure your group insurance plan is adapted to your needs and the needs of your employees.
STA’s customized plans can accommodate all of your needs, including reducing rates, reallocating costs, amalgamating different plans, recruiting and retaining staff, taking advantage of tax relief programs and so forth.
- plan structure
- analysis of financing possibilities in line with budgetary estimates
- actuarial evaluation
- development of calls for tenders
- analysis of proposals
- review of various provisioning methods
- monitoring and ongoing adaptation of your plan.
Independent, expert advice
STA works with you to review all documents sent to you by the insurer.
STA brokers are available to meet with your employees, either one on one or as part of a group presentation. The STA team can be contacted at any time.
As an independent firm, STA sits on insurance committees set up by employers, unions or other designated parties. The firm deals with all insurance companies throughout Quebec, although it has no financial ties with them or any particular financial institution. STA is therefore an independent, objective expert that ensures your plan complies with all applicable legislation, regulations and standards.
In addition, STA brokers will represent you in the case of a dispute with your insurance company to ensure prompt settlement.