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OAFM plans OACP plansSave 10% or more on your employee benefits renewal. Guaranteed.
An independent employee benefits advisor in Toronto. If we can't save you 10% or more, we pay you $2,500.
The cheapest quote is often the reason next year's renewal jumps.
Many advisors win you with the lowest first-year price. We look for the plan whose price stays steady year after year.
- 01 The plan you choose Coverage, structure, eligibility and budget are set at the start.
- 02 How it performs over time Claims, employee needs and insurer pricing shift during the year.
- 03 The next renewal decision What you pay and what changes depend partly on the choices made earlier.
- What are we covering?
- What could change?
- What will employees rely on?
Benefits built around your business, and your people.
Many employers start with group insurance. Other programs can complement that foundation as your workforce, budget and retention needs evolve.
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Group Insurance
Health, dental, life, disability and other options, selected with your team, your budget and renewal considerations in mind.
- Extended health and prescription drugs
- Dental and vision
- Life, AD&D and disability
- Travel and other options where included
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Healthcare Spending Accounts
Employer-defined allowances for eligible health expenses, potentially complementing insured coverage.
- You set the annual allowance
- Reimburses eligible health expenses
- Allowances can differ by employee class
- On its own or alongside an insured plan
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Group Retirement
Employer-supported savings options that may strengthen compensation and retention.
- Group RRSP
- Deferred profit sharing plan (DPSP)
- Defined contribution pension plan
- Contribution rules set by you
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Executive Benefits / RCA
Specialized planning for employers looking to retain and reward key employees.
- For key executives and founders
- Retention and reward planning
- Retirement Compensation Arrangements
- Designed with your legal and tax advisors
Advice first. Quotes in context.
We start with your business and your people, then bring you quotes from almost every group insurer in Canada.
- 01
Understand
We learn about your people, your existing plan, budget and biggest concerns.
- 02
Examine
We review coverage, plan structure, eligibility and the factors that may matter at renewal.
- 03
Recommend
We explain realistic options, trade-offs and why a particular approach may suit your business.
- 04
Revisit
We help you keep the plan's longer-term implications in view as your needs change.
Your insurer and your advisor do different jobs.
Your insurer provides and administers the policy. Your advisor helps you understand your options, the structure of your plan and the decisions that may affect future renewals. The right conversation goes beyond which carrier has the lowest quote today.
Already have an advisor? You're still allowed to ask for another perspective. Depending on the arrangement, changing advice may not require replacing the insurer or starting over.
Your insurer
- Provides the policy
- Administers coverage and claims
- Sets renewal pricing and terms
Your advisor
- Helps you understand your options
- Explains plan structure and trade-offs
- Keeps the next renewal in view
Advisors aren't all the same.
Any advisor can ask an insurer for a quote. The advice behind it is what decides whether your next renewal goes up 2% or 200%.
Choosing an advisor is like choosing a lawyer. Every lawyer will plead innocent, but the right one is the difference between walking free and life in prison. Every advisor can get you a quote. The right one is the difference between a 200% increase and a 2% increase.
Many plans carry risks nobody is managing, from loose eligibility rules to a plan design that leaves a small group exposed to a few large claims. A good advisor finds them before your renewal does.
What we put first, and what we put last.
- Stable pricing. A plan whose price holds steady year after year, so you are never forced to choose between a huge increase and cutting benefits.
- Service and experience. Claims paid properly, and adding or removing employees kept simple for you and your team.
- Price. The cheapest plan today is often the one with the biggest increase tomorrow. Insurers discount to win you, then price on your claims.
A true story, and the beginning of ours.
We met a small manufacturing company with 6 employees. The owner set up benefits to reward his long-term staff. Within that same year, an employee lost a finger on the job. That employee used:
- the ambulance to get to hospital
- a semi-private hospital room
- regular prescriptions for pain
- regular physio to recover
It was also their first year with benefits, so everyone got their teeth cleaned and renewed their glasses. At the first renewal, the insurance company proposed a 45% increase. The owner had to choose between paying it or cancelling benefits.
Could that increase have been avoided? Absolutely.
That is where our story began. We didn't want to see owners who do right by their team get punished for things outside their control. Our focus is plans that are sustainable, manageable and affordable, this year and every year after.
A real conversation with someone who understands the decisions behind your plan.
I'm Kaven Kafshbarghi. I help business owners think beyond the first-year premium, looking at how benefits can support employees while remaining workable for the business. My approach starts with listening, explaining the trade-offs and helping you make a decision you understand.
Good advice makes a difference.
Hear from businesses that have worked with Your Friend With Benefits.
I have worked with Kaven for more than 4 years, and he has never let us down. We are a small charity with unique benefit needs, and despite not fitting well into the ‘normal’ benefit set-ups, he’s always found ways to get us the best coverage. Kaven always responds to my emails quickly and, most importantly, always goes the extra mile.
Jenna W
Kaven presented us with several options that would help us save money. He kept us informed during the whole transition process. Our whole team was impressed with how easy it was to switch. Would highly recommend him to anyone needing insurance.
Alex L
FWB is one of the most customer centric companies I’ve ever had the pleasure to deal with. Kaven worked tirelessly with us to cater a set of benefit solutions that fit our employee needs perfectly. And he regularly reaches out to us to make sure our needs are met.
Walter P
Changing benefit providers was a challenging task for our small organization, but has turned out to be the best decision we could have made. Kaven’s knowledge and expertise guided us through the process and continues to ensure our benefit program is meeting our staff and organizational needs.
Kristen L
Working with Kaven Kafshbarghi over this past year has taken our group benefits issues from “groans and moans” to “no problem.” Kaven, our Group Benefit broker, is one of the most responsive people I have ever worked with.
Julie R
Kaven has deep understanding of different products and services in the insurance industry which helps manage costs without compromising the coverage. I strongly recommend you to contact Kaven for your insurance needs.
Purvish S
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Questions worth asking before your next benefits decision.
How does the "Save 10% or get $2,500" guarantee work?
If your Ontario business has 10 to 25 employees on the plan and your renewal is within 60 days, we aim to save you 10% or more. If we can't, we pay you $2,500 for the chance to try. The full conditions are on our guarantee page.
When should we review our renewal?
Ideally before a decision becomes urgent. Tell us your renewal month and we can plan an appropriate follow-up, usually around two months in advance where suitable.
Why did our renewal go up?
Pricing may change because of claims experience, insurer assumptions, demographics, coverage design, broader market factors or a combination of these. The Renewals page explains what to look at.
Do you only help employers looking for a cheaper quote?
No. Cost matters, but plan structure, coverage, employee needs and renewal risk matter too. We evaluate the bigger picture.
Will we have to change plans or insurers to work with you?
Not necessarily. There's no requirement to change plans just to ask a question, and depending on your arrangement and carrier rules, changing advice may not require replacing the insurer or starting over.
What happens after we contact Your Friend With Benefits?
You tell us when you renew and what concerns you most. Where appropriate, we review the renewal notice and plan structure you authorize us to see, discuss the trade-offs among the options available to you, and you decide with a clearer picture.
Can you guarantee no future premium increases?
No. The goal is informed planning, not a promise to control every factor affecting insurance pricing.
Group Health Benefits for Small Businesses in Toronto: What to Include in 2026 Healthcare Spending Accounts in Ontario: How HSAs Work and When They Make Sense How Employee Group Benefits Work in Ontario: A Complete Guide for Business Owners All guides
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