Sterling BenefitsGroup benefits for Okanagan businesses, handled.
Flexible, stable health, dental, life, disability and critical illness plans, built around your team, not a one-size-fits-all template.
Local, independent, and built around your business.
We make benefits simple, predictable and flexible for businesses of every size, and work to keep your plan stable whether you're growing or need to scale back.
Plans built around how your team actually works.
Compare your current plan, honestly.
Upload your benefits booklet and a recent billing statement or renewal letter. You'll get a straight look at where your plan stands, and whether its structure and renewal type support your business goals.
- 01Upload your booklet & renewal
- 02Ralph reviews it personally
- 03Get a clear, plain-language comparison
Health & Dental
Extended health, dental, prescription, practitioner, vision and travel coverage, optional child orthodontics, and group RRSPs, with advice on renewal selection and plan structure.
Life, Disability & Critical Illness
Optional protection for your team and key people, layered on your group plan so a serious illness or injury doesn't become a financial crisis too. Private options available.
A wide carrier network, so you're never stuck with one option.
The security of a large pool without sacrificing flexibility, or better planning within the open market.
Structure first. Then cost and design.
Consultation & assessment
Every business is unique in some way. We take the time, ask the questions, and find the right solutions. There are many ways to structure a benefits plan, and the structure needs to align with your business before cost and plan design can be addressed.
Renewal selection
You may not have had this choice before: fully pooled, pooled flex, claims rated, claims rated flex, or ASO, and sometimes a combination. Understanding each one means decisions get made strategically, not by hunting for a lower premium every couple of years.
Class creation
Even a one-employee business likely needs a class distinction, as an owner's needs usually differ from an employee's. Proper classes, with options in each, support your business goals and lift engagement by giving employees choices.
Plan design & roll out
Sometimes quick, sometimes careful choices. Either way it takes attention to detail, communication and planning so the rollout is smooth. We handle the administration, so you can get back to running your business.
Rooted in the Okanagan.
A local, independent broker. You deal with the same person from first conversation to renewal, not a call centre.
Real businesses, real results.
Read our Google reviews →
“Ralph was incredibly patient with me. He walked me through customized options where our staff can fully utilize their benefits without breaking the bank for us as the employer, so nobody needs to overpay for things that don’t get used.”
“Ralph manages all our company benefits, hands down the best customer service in the industry. He takes the time to ask questions to thoroughly understand what’s needed even if I didn’t know exactly what I was looking at or why.”
“Ralph at Sterling Benefits was able to offer my painting company an unbelievable benefit package that has helped me hire great employees because of this.”
“Ralph’s customer service is outstanding, he goes above and beyond to ensure clients receive the best health and dental benefits packages tailored to their needs… He’s able to customize amazing packages for people who are self-employed and for small to medium size businesses.”
Frequently asked questions.
Is group benefits worth it for my business?
My renewal came in high and rates keep climbing. Is there something more stable?
I already have an HSA, why would I need group benefits too?
Let's find the right plan for your team.
A 30-minute conversation, no obligation. We'll talk through your business, your people, and what you want your benefits to do.
General information to help you think it through — personal advice starts with a conversation.