Group benefits costs keep rising and nobody has a real answer. We do.
RiskX gives Canadian businesses access to Canada's best-performing group benefits pool — averaging 3% annual rate increases for 11 years.
11-year pool track record · 1,000+ businesses in the pool · 3% average annual rate increases · We've never lost a client in this pool
Gordon Smith & Jarod Smith — family-owned, proudly Canadian, backed by a dedicated team.
Every year, your benefits costs go up. And every solution you've tried hasn't truly fixed it.
You switched carriers to get a better rate — and eighteen months later the rates spiked again. You've done this two, maybe three times now. Each time you're told it'll be different. It never is.
Renewal season arrives and the anxiety arrives with it. Will it be 5% this year? 12%? 20%? Nobody tells you in advance. Nobody gives you certainty. You just wait — and hope it's not the bad kind of surprise.
And if you're on a 50/50 cost-share plan, every time your rates go up — your employees pay more too. The resentment builds quietly until your best people start looking elsewhere.
"Every year, your benefits costs are going up — and nobody has ever given you a real way to stop it."
We've sat across from hundreds of Canadian businesses in exactly your position.
Business owners who tried everything. HR managers who dread renewal season every single year. CFOs who keep absorbing increases they can't control. We're not here to tell you your broker is bad or that you made wrong decisions. The system wasn't designed to give you a real fix — it was designed to keep you cycling through temporary solutions. That changes when you work with RiskX.
We've been doing this for 33 years. The results speak for themselves.
11 Years
Canada's best-performing pool delivering results since 2015
3%
Average annual increases vs. 7.5% industry average
1,000+
Canadian businesses currently in the pool
Zero
Clients ever lost in this pool — in 11 years
We disclose our commission in writing every year — because you deserve to know exactly what you're paying for. Most brokers won't do this. We do, because we're a family-owned business and our clients come first.
Three steps. One switch. Then stability — for good.
Switching benefits plans feels daunting. We've designed this process to be as simple as possible — and this is designed to be the last switch you ever make.
See if you qualify
15 minutes to understand your situation. No pressure, no paperwork. Just a conversation to confirm you're a fit.
We show you the numbers
Clear comparison — your current trajectory vs. the pool. Commission disclosed upfront. Always.
One switch. Then stability.
Two-year renewals. 3% average annual increases. Renewal meetings that feel like coffee visits.
Ready to see if you qualify?
It's a 15-minute conversation. No commitment. No paperwork. Just find out if Canada's best-performing pool is right for your business.
See If You QualifyOr scroll down to see what staying on your current path is really costing you ↓
What does staying on your current path actually cost?
At 7.5% average annual increases — the Canadian market average — benefits costs don't just go up. They compound. And if you're on a 50/50 cost-share plan, your employees absorb half of every increase. When your premiums go up 15%, their take-home pay effectively goes down. Enter your current annual benefits spend below and see what the next 10 years look like on your current path — versus inside Canada's best-performing pool.
Total spent over 10 years — current path
$1,520,812
Total spent over 10 years — RiskX pool
$1,161,241
Cumulative savings over 10 years
$359,571
23.6% savings
A business paying $100,000 annually in benefits today will spend over $359,000 more over the next 10 years on the current path than inside the RiskX pool. From the same coverage. That's not a small number. That's a hiring budget. A team retreat. A year of salaries.
See If You QualifyCumulative savings = total spent on current path minus total spent in RiskX pool over 10 years. Current path uses 7.5% annual compounding (Canadian market average). RiskX pool uses 6% applied every 2 years at renewal, held flat in between, reflecting the two-year rate guarantee structure. Illustrative projections only — not guarantees.
* Past performance is not a guarantee of future results. The 3% average annual rate increase shown reflects actual pool renewal experience over recent years and is provided for illustrative purposes only. Pool performance varies year to year based on aggregate claims experience across all participating businesses. Future renewal increases may be higher or lower than the historical average. This projection is intended to illustrate the potential long-term impact of pooling — not to represent a guaranteed outcome. RiskX does not guarantee any specific rate of increase. Consult with a RiskX advisor to understand how the pool may apply to your specific situation.
From dreading renewal season to barely thinking about it.
Predictable costs
3% average annual increases. Two-year rate guarantees. You'll know what's coming before renewal season arrives — not after.
One switch. Done.
No more switching carriers every 2-3 years. No more employee paperwork nightmares. One transition, then stability.
Employees who value their plan
Every employee designs their own coverage around their actual life — not a one-size-fits-all plan that makes healthy people subsidise everyone else. The result: employees who actually appreciate what you're providing.
The plan your employees will actually love.
Most benefits plans are one-size-fits-all. Young, healthy employees subsidise high claimers. Nobody gets exactly what they need. And your business pays for a plan that generates more complaints than appreciation. Through RiskX, eligible businesses access a flexible benefits platform where every employee designs their own plan around their actual life.
More dental coverage for families. More wellness spending for younger team members. Health Spending Accounts and Wellness Spending Accounts that roll into Group RRSPs. The reaction from employees when they first see it is always the same: "Why don't I have this already?"
In 11 years of offering this program, we have never lost a client on it. Some clients say their employees would 'mutiny' if it were taken away.
Don't take our word for it.
"After our first renewal with RiskX, our rates went up exactly what Gordon said they would. I told him — now I know you weren't full of it. I'd been promised things by brokers before and it never matched reality. This did."
Office Manager · Auto Shop · Calgary, Canada
"We were with the same benefits administrator for years. We didn't think there was anything better out there. RiskX showed us a product our previous broker never even mentioned. Our employees love the flexibility. We haven't looked back."
HR Manager · Engineering Company · Calgary, Canada
"The renewal meeting two years in was exactly what Gordon described — a coffee visit. No anxiety, no surprises. Just a quick check-in and we moved on. That alone was worth the switch."
CFO · Oil & Gas Company · Calgary, Canada
We know what you're thinking. Here are the honest answers.
Is 3% really sustainable, or is this just a teaser rate that spikes later?
This is the right question to ask — because that's exactly what happens with traditional carrier discounts. The 3% average is not a teaser rate. It works because the pool doesn't discount new entrants to win their business. Businesses enter priced accurately from day one based on their actual claims risk. With genuine risk pooling across 1,000+ Canadian businesses and no teaser pricing, the pool has maintained this average for 11 years.
We're happy with our current broker. Why would we switch?
That's completely valid — and you might not need to. What we'd ask is this: has your broker ever shown you a genuine pooling product averaging 3% annual increases? Do you know what commission they earn from your plan — and that it automatically increases every year as your premiums rise? If yes to both, you're probably in good hands. If not, a 15-minute conversation with us costs nothing.
Switching sounds like a nightmare. Is it really worth it?
Switching requires real work — we won't pretend otherwise. Your benefits administrator will have paperwork, employees will need to enrol, and there's a transition period. But this is designed to be the last switch you ever make. Instead of going through this disruption every 2-3 years chasing temporary discounts, you do it once — then enjoy two-year renewal cycles at predictable rates.
What does 'see if you qualify' actually mean?
The pool isn't right for every business — company size, industry, and claims history all factor in. Rather than promising something before we know your situation, we spend 15 minutes understanding where you are. If you're a fit, we'll show you exactly what the pool would look like. If you're not, we'll tell you that too and point you in the right direction. No pressure either way.
Are you a broker or an insurance company?
We're an independent benefits brokerage — not an insurance company. We work on your behalf, not on behalf of any single carrier. That independence is exactly why we can offer access to Canada's best-performing pool and advocate for you at renewal time rather than just accepting whatever the carrier sends.
Your next renewal doesn't have to feel like the last one.
Benefits costs averaging 3% a year. Employees who actually value their plan. A broker who discloses what they earn and fights for you at renewal time. That's what RiskX looks like. Find out if it's right for your business.
See If You Qualify15 minutes. No commitment. No paperwork. Family-owned. Canadian. Transparent.