About Your Friend With Benefits
Benefits advice built around what happens after the quote.
Your Friend With Benefits helps employers think beyond today's premium. We look at the decisions that shape a benefits program, including coverage, employee value, plan structure and renewal considerations, so business owners can make informed choices.
Meet Kaven Kafshbarghi.
Founder, Your Friend With Benefits
A benefits plan looks affordable when it's selected. Then the renewal creates an entirely different decision.
I've spent my career discussing that problem with business owners. I believe employers deserve advice that looks beyond a first-year quote and asks what makes a plan workable over time.
When we talk, I want to understand your company, your people and your priorities. The goal isn't simply to find another price. It's to help you understand the choices in front of you, including the ones that only show up at renewal.
A benefits promise should last longer than the first year.
Offering benefits is a commitment to employees. When unexpected renewal costs force a business to reduce or reconsider that commitment, people feel the impact. Our purpose is to help employers think ahead and make deliberate decisions before those difficult moments arrive.
Our core values.
Values are more than words on a wall. Whether you're trusting us with your benefits or joining our team, you should feel you're working with people who genuinely care.
- 01
Hearts Before Profits
People first. Always. No exceptions.
- For our clients
- Honest advice, even if it means recommending a competitor's product. Doing the right thing feels better than chasing commissions.
- For our team
- Competitive wages and supportive environments. We're not trying to maximize profits, but we are trying to maximize impact.
- 02
Health First
Because you can't pour from an empty cup.
"A man with his health has a thousand dreams. A man without his health has only one." (Indian proverb)
- For our clients
- Health events can turn life upside down. We offer insurance solutions to help families stay secure when life throws a curveball.
- For our team
- Flexible schedules, remote work, wellness perks, and the same health benefits for everyone, with no VIP treatment for executives.
- 03
Efficiency
Don't run in circles, run forward.
"Less time wasted means more time living." We believe in doing things right the first time.
- For our clients
- We respect your time. Complete emails, clearly structured meetings, and no unnecessary back-and-forth.
- For our team
- Working efficiently, so they spend less time plugged in and more time on the things they love.
- 04
Stability
The tortoise wins the race.
"Good things shouldn't end too soon." We play the long game.
- For our clients
- We've seen too many businesses face renewals where premiums double, then cancel and leave employees uninsured. So we focus on long-term solutions, not the cheapest quote: coverage that stays sustainable, predictable and secure.
- For our team
- Great pay, room to grow, and a workplace people want to stay in for the long haul. Our employees are our greatest asset.
Your insurer and your advisor do different jobs.
The insurer provides and administers the policy. The advisor helps you evaluate it, understand the marketplace and keep the next renewal in view. Your Friend With Benefits is the second of those, and is not an insurer.
Who you'd be speaking with
Kaven Kafshbarghi
Founder, Your Friend With Benefits
- Toronto, Ontario
- (833) 968-7392
- quote@yourfwb.ca