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What We Do

We understand the challenges facing the individuals/families who have taken significant risks to achieve success. We offer strategic life insurance planning for individuals, family owned businesses, and Canadian entrepreneurs, to alleviate tax burdens in an efficient manner.

We understand that navigating Group Benefits can be confusing, and that most companies do not have a dedicated Employee Benefits Specialist on staff. With over 30 years in the benefits industry, and a team dedicated to simplifying your job, we will conduct a comprehensive audit of your current plan and financials, while offering advice on ways to add value to your benefits.

Whether you are looking to help your employees with their day to day medical and dental costs, provide coverage for employees abroad, or want to provide a tailored executive benefits program, good advice from an expert is the winning ingredient to a successful long term employee benefits program. Our extensive experience allows us to provide you with the most innovative solutions for your group benefits needs.

Firstbrook Pointon Benefits specializes in Human Resources for all sized businesses, including start-ups. We enable our clients to achieve their goals by being a trusted HR Advisor and Business Partner. We provide effective, affordable and flexible HR solutions to ensure our clients achieve competitive advantage.

The Firstbrook Insurance Group has been providing custom tailored insurance solutions for individuals and families for over 30 years. Founded on the principals of integrity, hard work, and the entrepreneurial spirit, we are proud of the many experienced and professional people that now form our team. From personal insurance to employee benefits, we are your professionals.

LIFE INSURANCE PLANNING

Firstbrook Insurance has been providing custom tailored insurance solutions for individuals and families for over 30 years. Our redesigned but traditionally elegant approach addresses everyone’s 5 major concerns: income, lifestyle and family net worth continuation after retirement, illness (early and late life), disability and death. Using state-of-the-art products and thinking, we take away the pain of estate planning.

EXECUTIVE DISABILITY INSURANCE

Whether you’re a professional, a business owner, an executive, or an employee, accidents and illness are a part of life. We offer flexible solutions to help bridge the gap between income and expenses during a disability. Our specialty is topping up group disability plans for executives.

ADVANCED PLANNING / TAX STRATEGIES

Are you aware that unnecessary taxes during life and at death can be eliminated through strategic planning and insurance? We provide custom tailored solutions to fit your needs. Most individuals are unaware of the disparity between what their families, or businesses, will receive versus the reality of what will likely happen. 70% of business owners/providers are unaware of what’s left of their estate after final taxation. Although 75% of Canadian business owners plan to fund the cash consequence of their death with life insurance, most only have term insurance. Only 2.5% of term insurance claims are actually paid. Using state-of-the-art products and thinking, we take away the pain of estate planning and alleviate tax burdens.

RETAIL AUTOMOTIVE SOLUTIONS

Firstbrook has been assisting Dealer Principals for over 20 years. We have unique insights into the issues and concerns Dealer Principals face and have developed solutions that provide peace-of-mind during all phases of the dealership lifecycle, whether a large dealer group or single store operator. 80% of dealerships are family owned, and only 20% of family owned businesses transition successfully from one generation to the next. We have the resources and advice required to help you move forward.

RECRUITMENT / ONBOARDING / TRAINING

By partnering with organizations, we work to understand an organizations values and goals in order to identify impactful “fits”. We offer flexible recruitment support solutions, based on your needs, at a fraction of the cost of a typical search firm. Bettering the performance of individuals and groups in organizational settings can create a significant return on investment. It also promotes employee satisfaction and retention, and increases the knowledge base – aligning with the Company goals. We will work with you to identify training needs and develop training programs that are suited to your organization.

HR POLICIES AND FORMS COMPLIANCE

The establishment of policies and procedures can help an organization demonstrate, both internally and externally, that it meets requirements for diversity, ethics and training, as well as its commitments in relation to regulation and corporate governance of its employees. It also provides everyone with a consistent process and can be very effective at supporting and building the desired organizational culture. We can help your organization develop an Employee Handbook/manual, or just create the policies/programs that your organization requires.

PERFORMANCE MANAGEMENT

Manage performance management process, develop performance reviews, and guidelines, assist with change management and provide coaching and mentoring at all levels.

HEALTH AND SAFETY

We develop and manage health and safety programs; policy development and implementation, WSIB administration, establishment of Joint Health and Safety Committee and training.

Why Us?

If you are like most businesses, you are looking for more than simple products. You are looking for a full service provider to help you navigate the often challenging landscape of the employee benefits universe.

 

Our corporate philosophy has always focused on the 4 pillars of Time, Values, Money, and Action. :

 

Time: Make life easier for every client so that they can focus their time on what they do best – run their business

 

Value: Create value for the employees served by these programs

 

Money: Control costs to ensure that your plan is run efficiently

 

Action: Provide on-going review, communication strategies and service to ensure any plan we are a part of meets our clients’ needs both now and in the future

 

Through our team of highly experienced professionals, Firstbrook Pointon Benefits Consulting offers an independent perspective, a wealth of knowledge, and a hands-on approach to ensure that we deliver on these 4 priorities.

Our Services

Consulting Services:

  • Plan analysis, design and implementation
  • Market-wide Brokerage of Benefit Plans
  • Analysis of insurance brokers/consultants and insurance carriers
  • Employee Benefit Administration Systems review and placement
  • Employee Communications and staff seminars
  • Consultative and administrative services for foreign branches and subsidiaries

A Broad Spectrum of Benefits Programs:

  • Employee Health & Dental
  • Employee Life and Disability
  • Executive Benefits
  • Group Retirement Planning
  • Keyman, Shareholder Redemption, Buy-Sell Agreement Insurance brokerage
  • Executive Income Replacement and Keyman Disability programs
  • Special Risk, Business Travel Accident Programs
  • Registered and non-registered group savings plans
  • International Employee Coverage

Whatever your specific needs, we are confident that if you can think of it, we can do it.

PLANS FOR EMPLOYEES IN TRANSITION

Regardless of the reason you may be leaving your current employer, you have decisions to make with regards to your insurance coverage. Your group employee benefits may have provided you with many of the following coverages:

  • Life insurance
  • Disability Insurance and Income Replacement
  • Health and Prescription Drug insurance
  • Dental insurance
  • Retirement Savings Program

If you relied on your group plan for any of these services what will you do now?

 

We can help. Being a member of a group benefits plan has its privileges. One of those is access to guaranteed individual insurance products that you can purchase when you leave an employer.

 

Timing is crucial. When your employment ends, you have a 30 day window to purchase a new individual plan to replace the life, health, and dental coverage that your employer provided. Depending on your plan, you may also be able to convert your disability and other coverages.

 

Leaving a group benefit program, and want to continue Health and Dental coverage on an individual basis? Simply follow the links for more information:

CADA 360 BENEFITS PLAN

The auto industry is unique, and therefore unique solutions are required for Employee Benefits. Firstbrook Pointon was instrumental in the reform of the CADA 360 benefits plan, and is the leading Canadian advisor – working with the top dealers nationwide. With over 20 years working with dealers, we understand the challenges faced in the industry, and offer innovative solutions. Our service offering is second to none – From plan implementation, to administration support, renewal negotiations and quarterly financials, our team will be with you every step of the way. Our expertise lets you focus on running your dealership.

Who We Are

The Firstbrook Group of Companies was founded in 1977 and has since grown into two well-developed businesses: Firstbrook Insurance Group and Firstbrook Pointon Benefits Consulting. The first offers strategic life insurance planning for individuals, family owned businesses, and Canadian entrepreneurs, to alleviate tax burdens in an efficient manner. The latter company is a national leader for Group Benefits, and consults for multiple human resource firms.

Testimonials

As client’s confidentiality is the starting point at The Firstbrook Group of Companies, testimonies are available upon request. For inquiries, please contact us at (416) 486-1617 or info@firstbrook-insurance.com

Our Team

Individual Insurance & Estate Planning

John T. Firstbrook Amy Zhao Anna Tsepelis

Firstbrook Pointon Benefits

Wm. Robert Pointon Joan Martino Dawn Duvall

Wm. Robert Pointon

wrp@firstbrook-insurance.com ext. 24

 

Wm. Robert Pointon, President and Managing Partner of Firstbrook Pointon Benefits, has over 30 years of experience in the insurance industry, specializing in employee benefits. Firstbrook Pointon Benefits is an industry leader in the employee benefits field. Bob’s primary focus in particular is to meet the individual client needs. Firstbrook Pointon Benefits has expertise in Group Life & Health Program, Pension Programs, Global Expatriate Coverage, etc.

Bob is an active member of the Canadian Automobile Dealers Advisory Board. Our block of business includes approximately 100 car dealerships.

 

Joan Martino

joan@firstbrook-insurance.com ext. 25

 

Joan Martino, Vice President, Operations/Client Service, has been working with Firstbrook Pointon Benefits since 1999 after leaving her Group Sales Office Manager position at Canada Life.  Joan has over 30 years of experience in the employee benefits industry dealing with our clients and assisting with their customer service needs.  Joan has a proven track record of dependability and she strives to achieve excellence in customer satisfaction with each client interaction. She also oversees the day-to-day operations to support the growth and add to the bottom line of the organization.  Joan enjoys spending her spare time at her cottage in Parry Sound with her family.

John T. Firstbrook

jtf@firstbrook-insurance.com ext. 22

 

John is founder, President, and CEO of the Firstbrook Group of Companies. Thirty years ago he noticed a major gap in the advice channel for entrepreneurs and how businesses transitioned from one generation to the next. John has dedicated his business career to the advancement of quality relationships, with particular attention paid to the specialists and experts required for a smooth business transfer. In short, John pioneered the team approach, acting as a catalyst to get all experts helping with client issues. We have been instrumental in getting ones accountants, lawyers, psychologists and insurance providers to communicate in order to best solve the problems unique to business transfers.

Amy Zhao

amy@firstbrook-insurance.com ext. 32

 

Amy Zhao, Manager of Client Services, joined the Firstbrook Insurance Group in 2016. She began her role as Personal Insurance Administrator, providing administrative support in all matters related to individual insurance.

Amy was a licenced Insurance Advisor at Sun Life after graduating from the University of Toronto. With her experience and knowledge in life insurance, Amy facilitates the day-to-day operations required to attain sales and business goals. She finds satisfaction in providing a superior level of service to our clients and enjoys the administrative challenges of supporting a small but successful team.

Dawn Duvall

dawn@firstbrook-insurance.com ext. 30

 

Dawn Duvall, Account Associate, joined the Firstbrook Pointon team in early 2016, having left one of Canada’s leading insurance carriers where she held multiple roles over the years, most recently within a Regional Group Office.  Dawn is involved in all quotations, renewals and implementations, as well as the day to day administration, of all Group Benefits clients. With over 13 years’ experience in the industry, Dawn has developed a strong knowledge of Group Benefits and an unwavering commitment to customer service.  Her ability to build productive relationships and resolve complex issues, as well as her thorough attention to detail, make her a strong asset to the Firstbrook Pointon team.

Anna Tsepelis

anna@firstbrook-insurance.com ext. 23

 

Anna Tsepelis joined the Firstbrook Pointon team as Manager of Business Development and Marketing in 2018. Spending over a decade in the financial services space, her experience working with business owners and affluent families is pivotal to her focus on life insurance strategies, intergenerational wealth preservation, corporate succession, and estate planning. Anna has an Honours Bachelor of Arts degree from the University of Toronto and is a CHS designation holder.

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