Why 3G?

3G Benefits™ is the latest innovation from Hardiman Mount & Associates. A long-time dream of Barry’s, 3G represents the third generation of benefit plan design (hence the name, 3G). HMA has taken the best of the lessons learned from our experience with the Chambers of Commerce Plans, large case design and our other innovation, Health Care Providers and created a new product. We are extremely pleased that the valued clients of Insurance Plus and our long-time colleague, Dan Kendrick will be among the first in the Province to be offered this very special program.

Trading on a quarter-century of experience and successful business relationships and the combined expertise of a management team and staff that are without parallel in the group benefits marketplace, HMA, in association with RWAM and La Capitale Financial Group has created a no-risk, profit-sharing program tailored to the needs of companies with 10 to 50 employees although it is available to firms of 4 to 75 employees. Successful firms in this size range begin to experience the kind of financial security that may allow them to leave the structure of a guaranteed rate plan. This new financial security enables them to take advantage of plan designs that, up to now, have most often been reserved to very large firms with employee counts in the hundreds or thousands.

The Benefits

Risk Free!
3G Benefits trades on this concept to offer an alternative that is more aggressively priced and provides bottom line savings with a greater variety of benefit options more tailored to the individual firm’s needs.

Profit Sharing!
In addition, while providing the assurance of traditional, fully-insured programs, 3G Benefits provides the novel guarantee that should your firm’s claims experience perform better than anticipated by the level of premium collected, the resulting profitability will be shared with you, the purchaser. Up to 50% of the profit derived from the better experience will be returned to the firm following the plans renewal at the end of the year in which the profit was made.

Matching Plan Design
By tapping into the resources of RWAM, one of the underwriters for the 3G Benefit program, clients wishing to take advantage of 3G can be confident that their plan design will be compatible with their current plan alleviating concerns that might be raised by employees in that regard.

Seamless Rollover
The administrative implementation/transition team is comprised of a wide variety of insurance professionals who bring to HMA and 3G the experience and expertise gained over the years from some of the biggest names in the insurance industry.