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For RMTs, the work itself is the risk. A career built on the hands, shoulders, and back is also a career most vulnerable to losing them. Why this FAQ exists Massage therapists in Alberta and BC face an insurance picture most professionals don't: high physical occupational demand, predominantly self-employed income, and association benefit packages that cover some risks well and leave others wide open. This FAQ answers the questions we hear most often from RMTs thinking about

Mike spent twelve years at a Calgary engineering firm, then went independent. Eighteen months later, he had a stroke — and learned what most self-employed Albertans and British Columbians don't until too late.

Self-employment in Alberta and BC has grown faster than the population for two decades — but income protection has not kept pace. When you left the corporate world to go independent — or set up the corporation that now signs your paycheques — you replaced a lot of things. A boss. A commute. A manager telling you when you could take vacation. You also replaced an entire benefits stack, even if nobody pointed that out at the time. Most self-employed and incorporated professiona

BC small business owners are competing for talent in one of Canada's most expensive labour markets — group benefits are increasingly the difference. Running a small or medium-sized business in British Columbia means competing for talent in one of Canada's most expensive labour markets. Whether your team is based in Vancouver, Victoria, Kelowna, or anywhere in between, skilled employees have choices — and a well-designed group benefits plan is increasingly the difference betwe

Life insurance can seem complicated and overwhelming at first glance. Many people have questions about how it works, what types are available, and whether it is the right choice for their financial planning. This article aims to demystify life insurance by answering some of the most common questions. Whether you are considering purchasing a policy or just want to understand the basics better, this guide will provide clear, practical information to help you make informed decis

Permanent life insurance continues to gain traction in Alberta—especially among business owners, incorporated professionals, and families who want long-term financial stability. But beyond simply choosing a policy, how you fund it dramatically changes the benefits you receive. This Alberta-focused guide explains how funding works, the advantages of permanent insurance, the costs involved, and how today’s interest rate environment compares to the high-interest decades of the

Running a business in Alberta isn’t for the faint of heart. You deal with economic swings, staffing shortages, rising costs, and the day-to-day pressure of keeping clients happy. But there’s another major risk many business owners overlook— what happens if the person who keeps your business running suddenly isn’t there? Maybe it’s you. Maybe it’s your top salesperson. Maybe it’s the operations manager who everyone calls before they call you. Key person insurance exists to pr

Finally, an insurance process without needles, exams, or endless questions. For Albertans who are tired of needles, endless questions, and waiting for approval. If you’ve ever felt anxious filling out a life insurance application — you’re not alone. Maybe you’ve had to book a medical exam, roll up your sleeve for bloodwork, or answer what feels like hundreds of health questions. By the end, you’re left wondering: Why is this so hard? For thousands of Albertans, the process f

Protecting what matters most with affordable term life coverage. What “Term” Means Term life insurance covers you for a set period of time — usually 10, 20, or 30 years. If you pass away during that period, your beneficiaries receive a tax-free payment . If you outlive the term, the coverage ends. According to the Financial Consumer Agency of Canada (FCAC) , term life insurance provides protection “for a specific time period” and premiums “usually stay the same during that p

Why Life Insurance Isn’t Just for Families Most people think of life insurance as something you buy to protect your family — but it can also protect a business . For many Alberta corporations, life insurance is a smart financial tool that supports stability, growth, and long-term planning. When a business owns life insurance, it’s called corporate-owned life insurance (or COLI ). The company buys and pays for the policy, and the business — not the individual — is the benefic

Alberta employers are modernizing their benefits to stay competitive. 1. Rising Benefit Costs Are Forcing Smarter Plan Design Canadian...

If you couldn’t work for a few months, how would you pay the bills? This short case study shows how a Calgary electrician used individual...

Starting a group benefits plan doesn’t have to be scary or expensive. The key is to start small, keep costs predictable, and grow over...

Safe Crest Insurance Inc.: Your Go-To for Life Insurance and Group Benefits At Safe Crest Insurance Inc. , we specialize in helping...

When it comes to providing benefits for your employees, Alberta businesses face important choices. Two popular options are Administrative...

Picture this: you're at home, enjoying a peaceful evening with your family. Suddenly, a message pops up from a friend celebrating their...

When Alberta businesses consider setting up group benefits , one of the most common questions is: How are group benefit premiums and...

Being self-employed or running a small business can be incredibly rewarding. You get to be your own boss, set your own hours, and pursue...

Choosing the right life insurance for your family is a crucial step in securing their financial future. With so many options available,...

Strong teams build strong businesses — group benefits help you attract and keep the people who matter most. Running a small business in...