www.yourgroupspecialist.com
Michelle St Germain
1-800-583-3381
or local 905-426-6011
map to our office
michelle

Public Information
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Our other websites
Beinsuredfortravel.com
Visitortocanada.com
VisitortoCanadaInsurance.com
PolzinInsurance.com

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Group terminology

What a deductible means vs a Coinsurance clause
What a limitation of benefits means!

How is your group renewal premium is determined?

Loss ratio and its effect on pooled and none pooled benefits


How to apply for Group insurance
or obtain a quote .

Individual life insurance quotes

Individual Travel Insuance quotes

Length of  trip calculator
How to determine the amount
 and type of policy to buy 

The different types of group insurance
Plan design specs explained

Best Doctors service explained
application for Best Doctors

product specs for best doctors

Administrative services only What is a
Health Spending acct
Companies we represent
Manulife
Empire life
Equitable life
Benecaid
Co-operators
Desjardin
Unity Life
Maritime

Great West Life
Canada Life
Sun Life

speak with Michelle
Claims administration
Your benefit booklets

Employee data sheet


News articles and impact on group insurance.
costs of insurance
articles on the cost of benefits


disability clawback