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According to a 2005 StatCan survey, nearly 75% of Canadian workplaces provide non-wage benefits, mainly through group insurance plans that often extend coverage to employees’ families. This means millions of Canadians benefit from group insurance, with life insurance and extended health insurance being the most common benefits, along with significant coverage for disability insurance. Group insurance is a crucial part of insurance protection for many Canadians. Previous sections of the manual have discussed how group accident and sickness benefits support extended health, disability, and personal coverage. It is important for life insurance agents to understand the operational and administrative aspects of how group insurance functions.