Executive Benefits
Group life, disability and medical plans are built for an organization's broader workforce, not its executives' actual compensation. HUB International layers supplemental insurance, specialized medical access and personal security services on top of the core plan for senior leaders and high-net-worth employees.
Why It Matters
When core benefits don't scale with compensation
Standard group life and disability benefits are capped, so they cover only a fraction of a senior executive's actual income — a gap that surfaces only when a claim or a retirement date arrives. Supplemental executive coverage closes that exposure in advance, protecting income proportional to real compensation while the broader workforce plan stays untouched.
HUB's Approach
How HUB builds a supplemental program for senior executives
HUB International designs executive benefits programs that layer supplemental life, disability and medical coverage on top of an organization's existing group plan, closing the gap between standard formulas and what its senior leaders earn. Every program is built individually rather than selected from a fixed menu, and can include access to specialized medical treatment, including care when traveling outside of Canada, tailored to the executive population.
Because these products come from a specialist market that most generalist benefits placements do not reach, HUB's advisors work directly with the carriers and service providers this population requires — including assessment and response services and deferred compensation plan design. HUB's team partners with your human resources (HR) or Total Rewards function throughout, so the program fits your total rewards strategy without a separate procurement process.
Insights for Your Business
Executive benefits insights and research
