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Our Group Benefits and Estate Planning program is tailor designed to suite your needs!

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Explore Our Group Benefit's Program

Protect your teams families for when they need it the most

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Financial Information Guide

Estate planning guide that provides each family with all the information required to settle an estate.

Financial Needs Analysis

Discover the current gaps in any existing benefits and determine what protections are needed.

Last Will & Testament Kit

Complimentary Will Kit through No-Cost Law and Canada / America Wills. Valued at over $1,500 per person.

Accidental Hospital Benefits

It's one thing to get hurt at work but what happens if you get hurt outside of work? Get compensated for the hours spent at the ER.

Child Safe Id Kits

Rest assured knowing this kit reduces the timeframe to send out an amber alert in case of an emergency.

Vision Discount Program

Get an extra 20% off at Lenscrafters! On top of any vision benefits you already have!

Protect Your Family Today

Provide Unmatched Value

Learn How The Program Works

Watch the short Group Benefit's Overview video to discover the key features of the Group Benefits & Estate Planning program.

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Set Your Family Up For Success

Freedom Of Choice Certificate

Funeral coverage that is paid out within 48 hours of receiving a death certificate. Similar to pre-paying for a funeral. The certificate can be used directly at the funeral home.

Income Protection

A monthly paycheck provided to your family every month for a selected number of years after their death. The most common selection is $3,000 a month for 3 years.

Additional Protections

The program includes the Terminal Illness Rider, which pays out a lump sum living benefit. There is a Cash Value that accumulates savings overtime. There are Paid Up Benefits so you can retire and stop paying premiums.

Next Steps Visual Journey

What Are The Next Steps?

Complete Enrolment: Our scheduling team will begin outreach to schedule all enrolments within your teams servicing period.

Program Management: Your team will be assigned a Benefits Specialist to provide support every step of the way!

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Trusted by leading companies

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Why Choose AO Benefits?

AO Globe Life was founded in 1982 and is the benefits provider to over 40,000 unions and associations across North America. With the help of the Labor Advisory Board. The company realized that typically 31 days after an employee leaves their job, gets laid off or retires. They can lose all their insurance benefits. The company saw that there was an increasing number of people that could not afford to get a will prepared. As well as many families needed help with estate planning or were struggling to cover final expenses. With this in mind the Family Care Program was created. To fill any gaps in existing employee coverage and to ensure all members have access to permanent benefits.

The numbers speak for themselves

40K
Unions & Associations Covered
5M
Members enrolled
A+
Rated Program

Frequently asked questions

What if I already have employee benefits?

Our benefits are not in competition with any group benefits already provided though work or outside of work. These benefits are supplemental and are meant to compliment any benefits that your employees may already have.

What is the enrolment meeting for?

The enrolment meeting is to customize your individualized program. During the meeting we will complete a financial needs analysis and determine the best coverage options. We will also go over the best practices to set up your legal will kit and estate planning guide.

Why do I need to watch the overview?

The overview is designed to educate each team on how the program works. This provides clear step by step details on some of the key areas we discuss during the enrolment session. That way our benefits specialists don't need to re-explain the entire program in each meeting.