Our Partners

We offer a range of dental insurance plans that cover routine care, as well as major dental procedures. Our plans are designed to help your employees maintain good oral health, while keeping costs affordable.

Health insurance helps employees and their dependents pay for necessary medical expenses that aren't covered by their provincial plan. 

- Prescriptions 

- Travel insurance 

- Paramedical services (Massage, Chiropractor, etc) 

- Medical equipment & Supplies (Nursing home care, emergency transportation, hearing aids, etc.) 

Our vision insurance plans cover routine eye exams, glasses, and contact lenses. Give your employees the gift of clear vision, while keeping costs down with our affordable vision plans.

Our short-term disability insurance plans provide your employees with financial support when they are unable to work due to illness or injury. Our plans are designed to be affordable, so your employees can get the help they need without breaking the bank.

In the event that your employee is unable to work due to a long-term illness or injury, our long-term disability insurance plans provide financial support for an extended period. Our plans are designed to be affordable, so your employees can focus on their recovery instead of worrying about money.

Helping your employees deal with mental health before it becomes a serious issue can benefit you in the long term. Having this option can prevent your employee from being absent from work or lead to a disability claim.  An EAP can create savings for you and provide your employees support when life's challenges make it difficult to concentrate on work. The Chambers Plan Employee Assistance Program provides confidential, one-on-one counselling with a designated psychosocial professional. 

Employees appreciate flexibility with a popular benefit of a Health and Wellness spending account. HSAs are a great way to enjoy those extra perks whether it be taxable, non-taxable or flexible between both. 

Individual needs and travel plans are different for everyone and we help provide coverage to protect against unexpected medical expenses, emergency transportation, trip interruptions, cancellations and other unforeseen events that can arise while traveling. 

Unexpected events can derail your lives, but with ZRF's life and critical illness insurance options, you can have peace of mind knowing you and your families are protected. We offer a range of options to suit different needs and budgets including Term and Permanent insurance.

If an illness or accident stopped you from working, it could significantly impact your business and your lifestyle. Disability Insurance can help keep operations running smoothly and cover expenses if an illness or injury keeps you from working. It can help replace your income, cover overhead expenses, and help you attract qualified candidates with a more competitive compensation package.  

Planning for retirement can be overwhelming, but with ZRF, you have access to a range of retirement savings plans to help with your goals. We offer Group Retirements plans, RRSP's, RESP's, TFSA's, Individual Pension plans and Corporate Investment Strategies.

This is coverage that can help residents cover the cost of preventive care or medical bills due to an illness. It can help pay for health-related expenses if; 

• You’re self-employed or you don’t have benefits through your workplace plan
• You’re looking to top up your employer’s coverage
• You’re retired or nearing retirement
• You don’t want to pay out-of-pocket for various health expenses, which aren’t fully covered (or covered at all) by the government or your employer’s workplace plan