Personal Insurance

Life insurance

Life insurance helps your financial security. Three categories are available depending on your needs and your age.


Protects you for a specified period.

Meet short-term needs. Ex:

  • The time your children grow
  • The time your mortgage is repaid
  • You are a business owner with high origination costs

Fixed and inexpensive cost for a defined period.

Can be renewed at the end of the fixed term. The cost is then adjusted for a further period.

Convertible into permanent or universal life insurance.


Protects you all your life.

Meet long-term needs. Ex:

  • You want to leave a legacy to your loved ones
  • You want to ensure your protection against a change in your health

Fixed cost for the duration of the contract or payable in full in a few years (eg. 10 or 20 years).


Protects you all your life besides allowing you to make investments that accumulate sheltered from taxes.

Meet long-term needs. Ex:

  • To leave a larger legacy when you die
  • You have reached the maximum contribution to your RRSP or TFSA
  • You are in the business field and want to protect the value of your business

Cost varies according to coverage selected. You decide the amount you want to save away from taxes. This amount is deposited in selected investment options.

Health and Disability Insurance offers protection against the financial impact of an illness or accident. Four product categories are available depending on your needs and priorities.

Disability (salary)

Face your financial obligations if you cannot work due to an accident or illness.

Ideal if you:

  • Do not hold group insurance.
  • You are in the business and have associates.
  • You are self-employed.


  • Critical Illness

Critical illness insurance allows you to focus on your recovery and avoid financial stress related to a serious illness like cancer or a stroke (CVA).

It meets your needs if you want to protect yourself and your family from the financial consequences of a serious illness.

Long-Term Care

The long-term care insurance allows avoiding becoming a burden to your loved ones if you ever lose your independence because of an accident or an illness such as cancer, stroke (CVA) or Alzheimer disease.

It meets your needs if:

  • You want access to the best health care available.
  • You want to have the means to commit resources to help you.


The healthcare insurance reimburses you for health costs not covered by government plans (dental care, vision care, etc.).

It meets your needs if:

  • You do not have group insurance.
  • You are self-employed.

If illness, disability or death hits you, you might not be able to fulfill the payments of your mortgage or other debt. It is therefore important to protect from this eventuality with a contract that would settle the payments or the balance of the loan for you.


We work for you with banks and insurance companies to find you the best deal on the market.

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