Plan Details

Program Information

The ORWP will become a benefit available to all Ontario REALTORS®, effective January 1, 2024. All OREA Members will pay the same regardless of age. There will be no medical tests or questionnaires required in order to participate in the Program.

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Standard Plan


All Members will be enrolled in the ORWP Standard Plan as of January 1, 2024. The Program includes Life Insurance, Critical Illness Insurance*, Accidental Death & Dismemberment Insurance (AD&D), healthcare including prescription drugs, paramedical practitioners (massage therapy, chiropractic care, etc.), medical services and supplies (cast, orthotics, etc.), accidental dental, and ambulance, along with Out-of-Country Emergency Medical Travel Insurance*, and a Member Virtual Care and Mental Health Program.

There will be no questionnaires nor medical exams required, and no one can be excluded from enrollment due to a pre-existing condition.

*Please see FAQ for additional details and provisions.

ORWP Standard Plan (PDF)

Additional Coverage Plans


Members will be able to enroll in optional additional coverage plans – Enhanced, Elite, and Super Elite – which include options for dental and vision coverage, in addition to increased top-up coverage for other components included in the Standard Plan.

The ORWP will also provide two Standard Plan enhancement options for Life and AD&D Insurance, and one enhancement option for Critical Illness Insurance for Members looking for additional coverage at their own expense.

ORWP Additional Coverage Plans (PDF)

Family Plans


REALTORS® have the option to enroll their family members and dependants in the ORWP. As with the Members’ coverage, family members will not require any questionnaires or medical tests to enroll in the Program.

OREA Members will have the option to add optional Life Insurance and optional AD&D Insurance (AD&D) for their family members and dependants. In addition, eligible OREA Members will also have the option to enhance their dependants’ coverage for healthcare, dental care, and Travel Insurance.

ORWP Family Plan (PDF)

Retirement Plans


OREA Members who retire after January 1, 2024, will have the opportunity to extend their ORWP coverage through a variety of optional Retirement Plans. The ORWP will offer retiring Members the option of a Life Insurance and Accidental Death & Dismemberment Insurance (AD&D) Plan. Members interested in more comprehensive coverage can enroll in the optional Retiree Enhanced Plan or Retiree Elite Plan that offer coverage for health, drugs, dental, vision, virtual care, and mental health.

  • Option 1: Retiree Life and Accidental Death & Dismemberment Insurance
  • Option 2: Retiree Health, Dental, Travel, Virtual Care and Mental Health Program
    • A) Retiree Enhanced Plan
    • B) Retiree Elite Plan

ORWP Retirement Plans (PDF)

Grandfathered Member Board Retirement Programs
Members currently enrolled in a Retirement Life Insurance Program through the Windsor-Essex County Association of REALTORS®, Durham Region Association of REALTORS®, and Toronto Regional Real Estate Board will have their coverage grandfathered into the ORWP, effective January 1, 2024.

Brokerage Staff Plans


Any Broker of Record may elect to offer the ORWP to their brokerage staff. If they do so, all eligible staff must enroll in the core Standard Plan.

Permanent staff members working a minimum of 20 hours per week are eligible for the ORWP. They would pay the same rate as Members for the Standard Plan, at $659.88 per year. Staff would have the same options as Members to enhance their plan, adding coverage for things like dental and vision, at the same rate as Members. They can also add dependents on the same terms as Members.

The Broker of Record will receive a bill on a monthly basis and be responsible for the payment of all premiums billed for the Standard Plan. Staff who wish to enhance their coverage or add dependents will be billed directly for the additional cost.

For questions about these plans, please email ORWP Program Administrator, Comprehensive Benefits Solutions’ Megan Millar at

ORWP Brokerage Staff Plans (PDF)

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