Credit cardFastest
Funds in minutes. Earn rewards on every deposit.
- PCI-DSS tokenized
- Rewards-card compatible
- Automated recurring
- Refund capability
Best for: Teams that want speed and want their funding to earn points back.
For Canadian Employers
The modern group benefits platform built for Canadian employers.
Five customizable wallets. Three payment methods. Zero renewals. Replace your traditional group insurance with a benefits platform your team actually uses, and your CFO actually understands.
- Built in Canada
- 967+ eligible services
- Same-day launch
- AES-256 secure
- HIPAA-aligned
- No annual renewals
Wallet types
5
HSA · LSA · PSA · FIN · WFH, only platform with all five.
Time to launch
~15 min
vs 3–6 months with traditional carriers.
Annual renewals
0
No insurer. No rate hikes. Plan runs on your terms.
Executive command center
The dashboard your CFO opens before the standup.
Eleven live KPIs, updated in real time. When finance asks about benefits utilization, you have the answer in seconds, not next quarter.
app.nuviolife.com / dashboard
Total cash balance
$284,610
+$12,450 this week
Pending payouts
$8,732
14 claims
Engagement rate
87%
vs 41% legacy
Category spend (last 30d)Updated continuously
Population health
- Active142
- Onboarding8
- Invited3
- Suspended0
Mockup of NuvioLife's executive dashboard. Live in app.nuviolife.com.
The numbers that matter
Built to make your CFO's spreadsheet behave.
Every metric below is an actual lever, set it, fund it, never renegotiate it.
0
Wallet types
HSA, LSA, PSA, FIN, WFH, only platform with all five.
0+
Eligible services
Across the five wallets, mapped to CRA Section 118.2.
~0min
Setup time
Same-day launch vs 3–6 months for traditional carriers.
0
Annual renewals
No insurer approval. No rate-hike negotiations. Ever.
The 5 reasons employers switch
Group benefits haven’t changed in 20 years. We did something about it.
Every Canadian business owner knows the cycle. You renew. The premium goes up. Your team complains the plan doesn't cover what they actually need. Your insurer keeps the difference. Repeat next year.
Your benefits plan was designed by your insurer, not built for your team.
NuvioLife fixFive customizable wallets (HSA, LSA, PSA, FIN, WFH) that your team directs themselves.
Whatever your team doesn't claim, your insurer quietly keeps as their own profit.
NuvioLife fixFund only what you allocate. Unspent dollars stay with the company, not the carrier.
Premiums increase every year, but employee coverage never actually improves.
NuvioLife fixRenewal-free model. You set the budget once. Coverage scales when YOU say so.
Use your benefits this year and you can expect higher premiums at next renewal.
NuvioLife fixZero claims-based repricing. No insurer to renegotiate with. Ever.
Switching benefit providers feels costly and complex, but it doesn't have to be.
NuvioLife fix~15-minute setup, four steps, and a $100 funding bonus the moment you launch.
The 5 wallets
One platform. Five wallets. Every benefit your team will ever need.
The only Canadian group benefits platform with five fully customizable wallets in a single account. Mix and match by employee group, fund what makes sense for your business, and let your team direct the rest.
Tax-free · CRA Section 118.2Explore HSA →
Health Spending Account
Tax-free. Employer-funded. The foundation of every modern benefits plan.
Best for
Replacing or supplementing dental + extended health with cost predictability and zero waste.
Covers
- ●Prescriptions
- ●Dental
- ●Vision
- ●Paramedical
- ●Mental health
- ●Medical equipment
The 8 employer wins
Eight reasons Canadian employers choose NuvioLife over traditional group insurance.
Unique to NuvioLife
Renewal-free.
Forever.
No annual renegotiation. No insurer approval. No rate-hike letter every 12 months. Your benefits line behaves like a real budget line, every year.
Legacy carrierpremium / yr
+24%
NuvioLifebudget / yr
flat
Unique
Multi-plan builder
Run unlimited concurrent plans by role, seniority, department, or location, all in one account.
Cost predictability
Decide your budget. Set the contribution. Recognize the savings, not on paper, in your bank account.
Cost savings
You only fund what you allocate. No premiums on coverage your team never claims.
Cashflow friendly
Fund on a schedule or on-demand, credit card, EFT, or e-Transfer.
Simplified administration
HR admin time drops from ~14 hours/month to under 2.
Attract & retain talent
Wallets traditional plans don't offer give your team a real reason to say yes.
Compliance built-in
CRA Section 118.2, GST/PST/HST, T4 reporting, audit trails, automated.
What your CFO sees · Updated every second11 live KPIs.
11 live KPIs.
Updated every second.
Most legacy carriers send a quarterly PDF. NuvioLife streams actionable intelligence every single day. When finance asks about benefits utilization, you have the answer in seconds, not next quarter.
- Cash balance
- Pending payouts
- Under review
- Funding requirement
- Active employees
- Invited
- Onboarding
- Suspended
- Engagement rate
- Total claims (WoW)
- Category spend
Time window7d30d90dYTDCustom
Cash balance
$284,610
+$12,450 this week
Engagement
87%
vs 41% legacy
Pending payouts
$8,732
14 claims · 6 under review
Category spend · 30d
HSA LSA WFH
Population
- Active142
- Onboarding8
- Invited3
- Suspended0
Last sync2s ago
Funding flexibility
Three ways to fund. Pick yours.
NuvioLife is the only Canadian HSA platform that offers credit card, EFT, and Interac e-Transfer side by side. Pick the one that fits your cashflow, switch any time.
Only platform that does all three
Competitors force you onto one rail. We let your CFO pick the cashflow rhythm that actually fits the business.
EFTLowest fee
Lowest fees. Built for scheduled, large-volume funding.
- No credit limits
- Weekly / bi-weekly / monthly
- Micro-deposit verification
- All Canadian banks
Best for: Mid-market and enterprise employers funding on payroll cadence.
Interac e-TransferMost familiar
The familiar Canadian process, no account numbers shared.
- Setup in minutes
- Real-time notifications
- Enhanced security
- Workflow Canadians trust
Best for: Smaller teams or one-off top-ups that need to land today.
Cards and banks supported
* Certain features are only available on higher price tier plans.
Side by side
The comparison your sales rep won't show you.
One platform. Five wallets. Three funding methods. ~15-minute launch. Renewal-free. Now compare that to what's currently on your renewal letter.
| Capability | NuvioLife | Sun Life | Manulife | Olympia | myHSA |
|---|---|---|---|---|---|
| Standalone HSA | Bundled | Add-on | |||
| Lifestyle Spending Account (LSA) | Optional | Add-on | |||
| Personal Spending Account (PSA) | WSA only | ||||
| Financial Wellness Wallet (FIN) | |||||
| Work-From-Home Wallet (WFH) | |||||
| Funding methods | 3 (CC + EFT + e-Transfer) | 1 (Premium) | 1 (Premium) | 1 (EFT) | 1 (EFT) |
| Same-day launch | ~15 min | 3–6 months | 3–6 months | Days | Days |
| Multi-plan builder | Unlimited | Limited | Limited | Tiered | |
| Real-time dashboard | 11+ live KPIs | Quarterly PDF | Quarterly PDF | Basic | Clean portal |
| Renewal-free | |||||
| Multi-language support | 6 languages | EN / FR | EN / FR | EN | EN |
| API endpoints for HRIS / payroll | 371+ | Limited | Limited | Limited | Limited |
| Reimbursement speed | Hours | 5–10 days | 5–10 days | 1–2 days | 3–5 days |
| Cost to start | Free | Quoted | Quoted | $99–$335 | $149+ |
Sources: public competitor pricing and 2026 platform feature data. Updated May 2026.
The single most disruptive moment
No renewals. No rate hikes. Not next year. Not ever.
Every year, traditional carriers send you a renewal letter with a number bigger than last year's. Then you renegotiate from a position of weakness. NuvioLife removes the negotiation entirely. Your plan runs on your terms, every year.
The legacy renewal cycle
- ① You file claims this year
- ② Insurer sends a 30-day renewal letter
- ③ Premium goes up by 8–24%
- ④ Coverage doesn't actually improve
- ⑤ Repeat next year, forever
The NuvioLife cycle
- ① You set the budget
- ② You fund what you allocate
- ③ Unspent stays with the company
- ④ No letter. No surprise. No renegotiation.
Sells itself internally
Your team will actually use their benefits.
Strong employee experience reduces HR pushback, drives utilization, and turns benefits from a cost line into a retention asset.
Snap-and-submit
Photo of receipt → reimbursed in hours, not weeks.
Two reimbursement options: direct deposit (EFT) or Interac e-Transfer.
Real-time wallet dashboard
All balances, all wallets, one screen.
- HSA$1,240
- LSA$680
- WFH$420
Achievement module
Real rewards for healthy-habit milestones.
Six-language support
Platform & support in six languages.
- EnglishHello
- FrançaisBonjour
- EspañolHola
- 中文Nǐ hǎo
- TagalogKumusta
- PunjabiSat sri akaal
Two reimbursement options
EFT or Interac e-Transfer.
Friendly coverage lookup
Search any expense before you spend.
Dependents accounts
Every family member gets their own login.
Allowance tracker
Real-time view by wallet and category.
Same-day launch
Live in four steps. Typically about fifteen minutes.
Traditional insurers take three to six months to implement a new group plan. We don't.
Step 1 · 25%
Company information
Verify details, set up admin access.
Step 2 · 50%
Create benefit plans
Design plans with the wizard. Multiple plans, all at once.
Step 3 · 75%
Add employees
Manual entry or bulk CSV import, assign plans.
Step 4 · 100%
Set up funding
Choose payment method, make first deposit.
🎁
$100 funding bonus credit toward your first deposit when you complete the four steps.
Built like a bank
Built like a bank. Audited like one too.
AES-256EncryptionHIPAAAlignedPIPEDACompliantSOC-patternControls2FAMulti-factorRBACRole-basedCRA 118.2HSA alignedGST / HSTBuilt-inAudit trailEvery action3rd-party auditReviewedAES-256EncryptionHIPAAAlignedPIPEDACompliantSOC-patternControls2FAMulti-factorRBACRole-basedCRA 118.2HSA alignedGST / HSTBuilt-inAudit trailEvery action3rd-party auditReviewed
Your CFO sleeps.
Encryption, audit trails, and PIPEDA compliance live at the platform layer, not as policy documents you have to police.
Your IT team approves.
2FA + RBAC + SSO support*, plus AES-256 at rest and in transit. Built to clear vendor security reviews on the first pass.
Your auditor smiles.
CRA Section 118.2 alignment, GST/PST/HST handling, and a who/what/when audit trail on every action means clean year-ends.
Built in Canada · Hosted in Canadian data centres · Reviewed annually
* SSO support is only available on the Enterprise plan.
Common questions
The questions HR teams, CFOs, and founders ask us most.
If we missed yours, hit the demo button, we'll answer it on the call.
NuvioLife is a Canadian group benefits platform that replaces traditional group insurance with five fully customizable wallets: Health Spending Account (HSA), Lifestyle Spending Account (LSA), Personal Spending Account (PSA), Financial Wellness Wallet (FIN), and Work From Home Wallet (WFH). It is renewal-free, supports three funding methods, and launches in approximately 15 minutes.
Built in Canada · Vancouver, BC
Made for Canadian businesses by people who lived through the renewal cycle.
NuvioLife was founded by a Canadian operator who renewed group benefits one too many times. The platform is the answer, built in Vancouver, hosted in Canada, aligned with CRA Section 118.2, PIPEDA, and GST/PST/HST out of the box.
- HQ
- 333 Seymour Street, 8th Floor
Vancouver, BC V6B 5A6
Ready when you are
Two ways to start.
Book a 20-minute demo and we'll walk your team through the dashboard, or jump straight in and design your first plan in about 15 minutes.
- · Free to start, fund only what you allocate
- · No credit card required to design a plan
- · $100 funding bonus on first deposit