Please note that we are currently processing claims received within 48 hours.

Due to high volumes of claim submissions we are processing claims outside of our 48 hour standard.

We apologize for any inconvenience and appreciate your patience.



FlexSave™ is a Private Health Services Plan (PHSP) that facilitates self-employed individuals with employees and incorporated companies through paying their health and dental expenses in a tax-effective and cost-efficient manner.


FlexSave™ works very differently than traditional group or individual health and dental insurance programs
in that there
are no ongoing premium payments required following a one time set-up fee of $250.


A company enters into a contract with HUB Financial Inc. for the indemnification of an employee’s health/dental benefits, whereby the company agrees to provide funding for these expense amounts and the applicable fees and taxes up to a limit the company sets in advance. The total amount paid by the company is 100% tax-deductible to the business and the employee receives a tax free benefit.

What our advisors are saying about FlexSave™

"The HUB FlexSave™ solution has been a business game changer in the past 5 years for me – it has allowed me to standout in a crowded advisor marketplace and open new doors of opportunities.  Clients absolutely love the simplicity, claims flexibility, and tax efficiency of the product.  As a result of this, I have been able to secure individual sales and client referrals that are in addition to my ongoing FlexSave™ claims commissions.  I am grateful to HUB for creating a wonderful business solution and providing first class support behind it.  I would be just an ordinary advisor without the HUB FlexSave™ in my toolbox."

~ Cameron Resch, CFP, CIM, FMA, FCSI, Calgary, AB