Employee benefits that work for you

At Western Financial Group Insurance Solutions (WFGIS), we are uniquely positioned within the benefits industry and have been helping Canadian businesses for over four decades. Designed in-house by our experts as a comprehensive program, TotalGuard insures over 1,700 organizations with life, disability, health and dental coverage.

WFGIS retains administrative control of TotalGuard and offers best-in-class customer service, a user-friendly administration platform and comprehensive analytical support. TotalGuard saves you time and money, while providing your employees the coverage they require today and in the future as needs change.

Expert in-house insurance teams provide the product and all related services, such as day-to-day administration, analytical support and ongoing service support. This unique program structure saves you time and money while providing your employees with the coverage they need.

A different approach to insurance

Unlike a traditional program through an insurance company, we place your program in an insurance pool. This creates a greater spread of risk for you and your staff. Our team looks at total claims and premiums of our entire block of business and renews you alongside 1,700 clients. That’s something you can’t achieve on your own as a small business with fewer employees.

Similar to a large corporate plan, you receive the instant and distinct advantages of long-term rate stability and predictability. You’re renewed based on the health of over 30,000 people.

Our Advantages

pay-direct drug/dental card

Pay-direct drug cards that cover prescription drugs and professional services electronically at the point of sale.

Long-term rate stability

Stability is generated by spreading claims over the entire pool of TotalGuard participants.

Cost Savings

Members will receive immediate savings off existing premiums for equivalent coverage.

Program flexibility

Member organizations have many different coverage options to choose from.

Online Administration

Plan sponsors can conveniently perform many administrative functions online.

Dedicated Service

Each member will have a dedicated customer service representative to assist them.

Coverage Options


Extended health coverage helps your employees pay for necessary medical expenses that may not be covered under their provincial health care plan.


Dental coverage can help cover the costs of dental work for your employees and their families. Build your plan with a variety of coverage levels, from basic maintenance to major restoration.


Helps cover costs of prescription drugs and professional services such as chiropractor, massage therapy and physiotherapy.


Provides employees with coverage for regular eye exams, eyeglasses or contact lenses, and laser eye surgery.


Health Care Spending Accounts provide your employee’s with coverage for health-related expenses not included in their plan, or to top up their group benefits.

Interested in a tailored employee benefits plan?

Fast. Convenient. Paperless.

Our online administration service provides members
24/7 access to their employee benefits plan. making it easier to:

Online Administration

  • Submit claims
  • Sign up for direct deposit
  • Download personalized claim forms
  • Check coverage eligibility instantly
  • Verify Health Care Spending account balances


Online Login