For small businesses with only 1 employee to large firms with over 1,000 employees.

Martell Insurance Services takes an innovative approach to designing group life,health, disability and critical illness coverage. We work with you to study the individual needs of your company,in order to provide the most appropriate products that fit with your concerns and budget. On your behalf, we then take this customized package to market to solicit competitive quotations.

  1. We believe that we work for you, the client and acting upon your direction, tempered with our advice and experience, we shop the market for a plan that helps you accomplish your goals at the most reasonable cost.
  2. We place the business with the selected carrier(s) and assist you in efficiently completing all the paperwork.
  3. We provide you and your plan administration with:
    • Booklets for each Employee
    • An easy way for you to use administration/claims kit for your plan administrator
    • An Employee information meeting to review the coverage, explain any procedures for claims and answer any questions
    • A personal service contract(s) at the insurance company chosen
  4. As long as rates and claims experience are reasonable, but at the most every 3 years, we do a complete market review to "Test the Water" on your behalf to make sure your rates are in line with marketing pricing.


Your firm has a group plan but you may have concerns such as:

  • Is it competitively priced?
  • Are you satisfied with your benefits or service?
  • Or

  • Do you want to enhance your program?
  • Do you want to make changes to your program to save money?
  • Do you want to include Critical Illness as an additional benefit?

  • Your firm has no group plan but you want to:

  • Attract and maintain good quality employees.
  • Provide Dental and Extended Health benefits to yourself and employees.
  • Maximize the Tax Advantages afforded a business owner.
  • Provide a Cost Plus plan for business owners and key - employees.
    1. To provide employees with the security of knowing certain financial uncertainties are protected.
    2. To define and limit a company's legal and financial obligations to it's employees.
    3. To provide some "Special" Benefits to the "Special" people who are instrumental in the company's success.

    All the components of an employee benefits program are not taxed the same. For an explanantion and examples of how these benefits are taxed and how it affects employees payroll deductions,
    Click Here
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    (You will need ADOBE Acrobat Reader to view the above document. You can get it by clicking here.) Please print off the form, fill it out and send to:
    Martell Insurance Services
    3161 Antrobus Crescent
    Victoria, BC
    V9B 5M6

    Fax: (250) 391-9380
    E-Mail: quotes@martellinsurance.com