BeniPlus is an innovative Canadian insurtech that provides small business owners and SMEs with simple, flexible, and affordable employee benefits. Our digital BeniPlus Wallet is an alternative to traditional group benefits that combines a unique mixture of customizable products and the latest technology. The BeniPlus Wallet is a fixed-cost, flexible spending account (FSA) that allows employers to choose between five categories of benefits to give their employees, including a Healthcare Spending Account (HSA), Wellness Spending Account (WSA), Registered Retirement Savings Plan (RRSP), personal insurance, and charitable giving. In addition, employers may opt for company-wide insurance coverage such as group life insurance, group disability insurance, a group critical illness insurance, and major medical and travel insurance. Employees are free to personalize their wallets to cover the benefits they care about the most. They can cover medical expenses through the HSA, improve personal wellness using WSA-related benefits, contribute to financial security through an RRSP, mitigate personal risk through individual insurance, or donate to their favorite charities. The BeniPlus Wallet helps employers give employees the benefit they want and need at cost companies can afford.