Independent insurance and benefits advice, tailored to you.

Yes. The initial conversation is complimentary and there is no obligation to proceed. The goal is to understand what you need, answer your questions and determine whether HMR is a good fit.

HMR is not owned by an insurance company. We can work with multiple insurers and providers, allowing us to compare options based on the client’s needs rather than one company’s product shelf.

Not necessarily. Changing brokers and changing carriers are separate decisions. Depending on the situation, HMR may be able to become your advisor while the existing plan remains with the same insurer.

Yes. We can review your renewal, plan design, claims experience, funding approach and market alternatives. We then help you understand where costs are coming from and what options may be available.

You may be able to offer benefits with a very small team. Some carriers and plans will consider groups with as few as two eligible employees, while others require at least three.

Eligibility may also depend on employee participation, working hours, ownership relationships, benefit selections and the province where employees work. If a traditional insured plan is not the best fit, a Health Care Spending Account or another flexible arrangement may be worth considering.

HMR can review your team, priorities and budget, compare the available options and help determine the most practical solution for your business.

Yes. HMR trains and supports Plan Administrators so they can understand their responsibilities, communicate the plan clearly and manage day-to-day administration with greater confidence.

We also remain available when questions or unusual situations arise.

Yes. We can help adapt plan-administration and employee communication materials to the employer and the plan, including enrolment communications, guides, reminders and other practical resources.

Yes. Depending on the situation and plan, HMR can support employees and Plan Administrators with process questions, service issues and guidance on the appropriate next step.

Individuals and families can work with HMR directly. We can help with life insurance, disability insurance, critical illness insurance, private health and dental coverage and reviews of existing personal insurance.

Yes. As an independent brokerage, HMR can review options from multiple Canadian insurers and help compare coverage structure, features and pricing.

Yes. We can help business owners explore key person coverage, buy-sell funding, shareholder or partnership protection, corporate-owned insurance concepts and other business-continuity or succession-planning needs.

No. HMR is based in Victoria, British Columbia, and is licensed to serve clients in British Columbia, Alberta and Ontario. Product availability may vary by province and individual circumstances.

You do not need to have everything organized. For an existing benefits plan, useful items may include your current booklet or plan summary, latest renewal and rate information.

For personal insurance, basic information about your goals and existing coverage is enough to start.

For many insurance products, HMR is compensated by the insurer selected by the client. This compensation may include initial and ongoing renewal compensation.

Fee-for-service arrangements may also be available depending on the nature and scope of the engagement. Applicable compensation and potential conflicts are disclosed as required.