Business Select Advisor User Guide

Welcome to your Business Select user guide!

This guide is designed to help Advisors understand the product, generate quotes, complete applications, and support employers throughout the entire process.

Within this guide, you'll find:

• Product information and eligibility requirements

• Coverage options and plan design details

• Quote and application tool instructions

• Block renewal information

• Additional resources and support materials

Use the navigation menu to access the information and tools you need at each stage of the Business Select journey.

Explore the Business Select Advisor Toolkit for additional training, resources, guides, marketing materials, and tools designed to support Advisors throughout the client journey.

Who is Business Select for?

Business Select is available to eligible employers with 3 to 49 employees. The product is designed for organizations seeking a balance of comprehensive coverage, predictable costs, and administrative simplicity, helping employers provide meaningful benefits without the complexity often associated with traditional group insurance plans.

The product is particularly well suited for small employers seeking a straightforward and scalable benefits solution, whether they are offering benefits for the first time or looking to transition from a more complex plan design. By combining structured plan options with digital administration, Business Select enables employers to make confident benefits decisions while remaining focused on running and growing their business.

Eligible employers must:

• Have a head office located in Saskatchewan

• Have 3 to 49 eligible employees working at least 20 hours per week

• Have been operating for at least six months

What does Business Select cover?

Business Select combines required core coverage with optional benefits that allow employers to enhance their plan based on workforce needs, budget and goals.

Core Benefits (required)

Every Business Select plan includes a foundation of required benefits that support employee health, wellness, and financial wellbeing:

• Health Care Benefits

  • Including, but not limited to: Vision, Prescription Drugs, Travel, Employee Family Assistance Program (EFAP), Virtual Care and Second Opinion

• Dental Coverage

• Life, Accidental Death & Dismemberment (AD&D), and Dependent Life Insurance

Custom options

Employers can tailor their coverage by adding:

• Short-Term Disability (STD)

• Long-Term Disability (LTD)

• Critical Illness Insurance (CI)

• Health Spending Account (HSA)

Coverage levels

While Business Select uses predefined plan tiers to simplify decision-making, employers are not limited to selecting the same tier across all benefit categories. Coverage levels can be combined across modules, allowing employers to tailor their benefits program based on workforce needs, budget considerations, and organizational priorities.

Each benefit, except the Health Spending Account (HSA), is offered at three levels:

• Basic

• Classic

• Enhanced

The HSA has no levels. The employer sets an annual amount from $100 to $10,000 per employee.

See the Business Select brochure for coverage details.

How to get a Business Select quote

The Business Select digital tool is designed to provide a streamlined digital experience from quote through application, helping Advisors build and tailor benefits solutions with ease. By capturing company information, simplified employee census details, benefit selections, and cost sharing arrangements in a single workflow, Advisors can quickly and easily generate a quote proposal tailored to an employer's needs.

A few things to keep in mind:

• Quotes are valid for 30 days from the date they are issued.

• Rates are guaranteed for the validity period provided the employee demographics, plan selections, and effective date do not change.

• Once a quote is submitted, the information entered during quote flows directly into the application, supporting a seamless transition to purchase and straight through to implementation.

How to apply for Business Select

Once an employer is ready to move forward, the Business Select digital application guides Advisors through the information required to establish coverage and complete onboarding. Information entered during the quoting process is carried forward into the application.

During the online application process, Advisors will review and confirm employer information, provide inputs for a more detailed employee census, confirm or revise benefit selections, waiting periods, class selection, and premium contribution arrangements.

A few things to keep in mind:

• Applications must be submitted within the quote's 30-day validity period.

• Employee census information should be reviewed carefully to ensure eligibility and pricing remain accurate.

• Coverage becomes effective once all application requirements have been satisfied and the application has been approved.

The Business Select digital application process is designed to support a smooth transition from quote to onboarding, providing a simplified process for both Advisors and employers.

Policy maintenance

Policy changes

Learn about the policy changes available under Business Select and the requirements that apply to making changes to existing coverage.

Renewals

Understand how Business Select renewals work and what to expect when reviewing coverage and rates each year.

Business Select Advisor Toolkit

Looking for more? Explore the Business Select Advisor Toolkit for additional training, resources, guides, marketing materials, and tools designed to support Advisors throughout the client journey.