Brightan Financial Strategies Inc.

Group Health  •  Investments  •  Life Insurance

Our company specializes in employee
health and dental
benefits for small to medium sized firms

As Medicine Hat's exclusive Chambers of Commerce Group Insurance Plan advisor, not only can we provide you with Canada's #1 plan for small business, we also carry all other group health plans and can provide you with a comparison of cost and features unlike any other agency!

Why are we different?

We are the Exclusive Advisor For Chambers of Commerce Group Health Plan

This not-for-profit program is overseen by the Chamber Insurance Corporation of Canada.
Any surpluses go back to the Plan to support all participating firms.
Business owners truly get more for their dollar with the Chambers Plan.


Looking for an employee benefit plan to keep things simple, so you can focus on your business?
Spend less time managing your benefit program with exclusive advisor support, quick set-up, easy-to-use forms, 48-hour claim processing, and simple administration.


Add stability and predictability to your employee benefit premiums
Tired of playing the rate chasing game? Changing group carriers each year? Guessing what your benefit costs will be next year? Don't be fooled by artificially discounted rates. The Chambers Plan was specifically developed to provide stability year after year.


Don't add to someone else's profit. The Chambers Plan is a not-for-profit program—all surpluses stay in the Plan and help lower premiums
Give your employee more for less. Health and dental premiums are a deductible business expense and a TAX FREE benefit for your employees
Guarantee coverage. With three or more full time employees, your firm can choose options that guarantee coverage to each person
No industry restrictions. All for-profit businesses are eligible while they are members of a participating Chamber or Board

Other Health Plan Options

Are you a business owner? Providing your employees with a health benefit plan is a great way of attracting and securing your employees while providing cost effective ways of paying health related costs.

Group Employee Benefits

Group plans are critical if you want to compete against bigger companies for employees! Attract employees and retain staff while enjoying the many benefits that a group plan can offer.
Benefit options include:
  • Life insurance
  • Accidental Death & Dismemberment
  • Short and Long Term Disability
  • Critical Illness
  • Dental Plans
  • Extended Health Plans
  • Vision Care
  • Best Doctors
  • Business Overhead Expenses
  • Employee Assistance Program
  • Business Assistance Service
Take advantage of providing Counselling Services for your employees and or their families, for maintenance or anyone dealing with issues.

Access your plans with the online services. Go to the pharmacist and use a drug card to pay for the largest part of your prescription.

Chambers of Commerce Group Insurance Plan Employee benefits are an important tool used by employers to attract new employees and retain experienced employees. The Chambers of Commerce Group Insurance Plan® is Canada’s largest group benefit program for small business, serving over 30,000 firms.

Individual Health Plans

Individual health plans allow you to choose the type of coverage you want. You'll have the protection you need from routine or unexpected health care expenses.

Individual health plans offer you coverage for prescription drugs, dental services, or a combination of both. This may also include:
  • Vision care
  • Emergency travel coverage
  • Extended health care
  • Registered specialists and therapists
  • Hearing aids
  • Homecare
It is not dependent on your occupation, so this plan can go with you no matter what the changes in career or health are in the future.

Private Health Spending

If a company wishes to self insure health & dental expenses for business owners and their employees, a Private Health Spending Plan
may be right for you.

This is a tax free benefit for you and your employees and 100% tax deductible to your company. Whether you are a sole proprietor or an incorporated company this may be a great option for you. No monthly premiums, only pay for what you use.
This plan can cover items like:
  • prescription drugs
  • dental benefits including:
    • crowns
    • braces
    • implants
  • chiropractic care
  • physiotherapy and occupational needs
  • eyeglasses and vision examination
  • orthotics
  • hospital expenses
and many other products and services needed when you are ill.


Whether you want to save for your children's education or save for retirement (and hopefully both!), investing your money is the best way to make your money work for you. Talk to us today about different options and lets get started in securing your financial future!

Segrated Funds

Segregated funds, like mutual funds, are managed by investment professionals and cover all of the different asset categories which are designed to fit a wide variety of investment objectives. Segregated funds, which are available only from life insurance companies, provide investors with a number of benefits which are not available in a mutual fund.
The stock market guarantee is unique to segregated funds.


Did you know that nearly half of all Canadians want to retire before the age of 60? (Statistics Canada, Summer 1997 Perspectives and Labour Force Survey). Whatever your retirement plans might be, there are practical steps that need to be considered to ensure that you achieve your goals. Contact us for a private consult.


A Registered Education Savings Plan (RESP) is a savings plan that helps you save for a child’s post-secondary education. The federal government can add to your savings with grants, making even more growth for your child’s education. The funds can be used at any qualifying college or university, and even some apprenticeship programs.


Insurance is a valid way to protect those you love, whether it be to pay final expenses, take care of your spouse or children, pay off debts or even if you want to pay off estate taxes.
We can advise and provide you with the best possible solution!

Life Insurance

In your world you have so many people you love and care for... A life insurance policy will help you protect your loved ones, plan for life challenges and still realize your financial goals.

Critical Illness

Critical illness insurance provides money for care if you are diagnosed with a serious illness or condition like cancer, heart disease, stroke, multiple sclerosis, blindness, organ transplants, kidney failure, paralysis and more.

This insurance will provide a lump sum payment while you are still alive. It has tremendous flexibility if you become critically ill.

If you want to try alternative therapies or medications that aren't covered under government plans you are free to spend your lump sum payment as your choose.

As not all critical illness policies are the same, it is important to seek out professional advice and guidance in choosing your policy.


If you become disabled, your ability to earn income may be compromised and your ability to pay bills or save for retirement may decline. Disability insurance plans are designed to help you meet your income requirements so you can concentrate on recovering from your disability and returning to an active life.

To find out about our complete range of disability insurance plans, contact us today. It may be the most important financial planning decision you'll ever make.

About Us

It is my goal to see that you attain your goals and set out the plans for your future in order to accomplish your dreams and maintain your lifestyle in comfort. - JoAnne Letkeman, Owner

Brightan Financial Strategies Inc.

Brightan is a company that specializes in Group Benefit Plans for small to medium sized companies. It is our goal to provide you with excellent service, knowledge of plan options, changes in plan designs, and to continually provide your company with the best possible options available.
We work with the top insurance carriers, as well, we are the exclusive advisor for Medicine Hat and surrounding areas. Our priority is to work alongside your company as part of your team and to advise you today and for many years to come.

We are committed to:

  • educating you on the specifics of your plan
  • providing you with assistance to complete the plan
    administrative forms required by your carrier
  • friendly phone service to answer any of your questions
  • provide your employees with group presentations
    to understand their benefits
  • have communication with you as your advisor and friend
  • industry and privacy compliance

JoAnne Letkeman

JoAnne has been an entrepreneur since 1994 when she and her husband Steve started a technology company, Zanthic Technologies Inc, that continues to flourish today. Always having had an interest in the insurance world, JoAnne attained her licence in 2008 and then founded Brightan Financial Strategies Inc.

Now the exclusive advisor for the Chambers of Commerce Insurance Plan, as well as brokering other carriers, she has over 200 firms she administers with a 97% retention rate.
JoAnne is very determined to not only be the best advisor you will encounter, but encourages the relationship that goes along with caring for your business. She enjoys interacting with her clients and learning about their businesses.

Her company, Brightan Financial Strategies Inc. was the winner of the 2015 Chamber Partnership Award. This prestigious award was given to JoAnne as the lead advisor for all advisors having an ongoing and committed relationship with their local Chambers office. This award was chosen from the top advisors throughout Alberta and Saskatchewan Region.