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Patrick Hardie
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Licensed Life, Disability & Group Benefits Advisor
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Join date: May 20, 2025
Posts (28)
Aug 11, 2026 ∙ 8 min
What Your Group Benefits Renewal Letter Actually Says (and the Cost-Containment Levers You Can Pull)
What does your group benefits renewal letter actually mean? A plain-language guide to experience rating, pooling, and the cost-containment levers Alberta and BC employers can pull.
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Jul 29, 2026 ∙ 6 min
How Much Life Insurance Does a Family Actually Need? A Plain-Language Guide (Alberta & BC)
How much life insurance does a family actually need? A plain-language guide to coverage amounts, term vs. permanent, and cost — for Alberta and BC families.
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Jul 24, 2026 ∙ 3 min
Group Benefits, Life & Disability Insurance: Frequently Asked Questions for Alberta & BC
Answers to the questions Alberta and BC employers and individuals ask most about group benefits, life insurance, and disability coverage — from an independent, former-underwriter perspective.
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