Why Clear Choice Benefits?

Clear Choice Benefits is a full-service employee benefits brokerage. We specialise in employee benefits plans for small to medium size companies between 3 and 1,000 lives across Canada.


Our services are tailored to develop long-term relationships with each of our clients to create a better benefits experience.


We use a clear and unique approach to help each business navigate the health benefits puzzle, one piece at a time.


We strive to provide the best customer service and take the time to understand each business’ unique insurance needs.


Founding managing Director, Derek Kohalmi, is a Charted Life Underwriter and Certified Heath Specialist. His experience has helped many business owners protect what is most important to them. Our clients have seen that their trust in Clear Choice Benefits has led to a significant rate of return on their investment.

Our Process Four easy steps to implement your health plan

Custom Plan Design
Market Health Plan
Implement Health Plan

Our services are without compromise to quality

Our Services


 Business Insurance

  • Keyman
  • Buy/sell
  • Corporate retirement strategy

 Insured Employee Health Plans

Traditional employee benefit plans offer businesses insured benefit lines. Life insurance, Extended Health Care and Dental Benefits for employees. The amount of coverage for each benefit is completely customizable to meet a business’ needs.


 Flexible Health Care Spending Programs

Health Spending Accounts and Personal Spending Accounts provide your employees with the flexibility to allocate their health dollars to services that matter to them.


 Educational Seminars

We tailor our educational seminars to explain relevant financial topics to ensure participants receive value.


 Employee Savings Plans

Pooled investment accounts (such as RRSP, DPSP, TFSA, etc.) that are provided by an employer to their employees.


 Free Analysis

Many employers currently have existing benefit plans. We conduct a free analysis of your current plan to uncover cost savings to ensure your benefit budget is properly allocated.




Cost Containment

Recommend employee benefit plans that focus on your businesses budget today, to ensure that cost of your plan is not an issue in the future. We provide semi-annual reviews of your benefit plan to ensure your benefit dollars are being allocated appropriately.


Custom Plan Designs

Our first step is to listen and understand your business and the reasons behind your choice to implement an employee benefit plan. Whether your goal is to increase employee retention or ensure your employees are engaged, we then tailor a custom benefit plan to meet your employees needs.


Unbiased Relationships

Many brokers have developed relationships with certain insurance carriers and may benefit from loyalty bonuses for placing business with a company. At Clear Choice Benefits, we opt out of all loyalty bonuses and quote with a core group of insurance carriers to ensure our clients receive the best benefit offering.