Financial Services for businesses

Financial Services for individuals

Life Insurance

• Depending on your needs
• Coverage for dependants
• Includes Death and Accidental Mutilation
• Insurance for employees

Temporary, Permanent or Universal Life Insurance

• Personalized contracts which adapt easily to the evolution of your financial needs
• To reduce to the minimum the budgetary and fiscal implications of your death for your family.

Long and Short Term Disability

• To replace or to increase weekly payments available with employment insurance
• Indemnity of revenue replacement for all members, with options, until the age of 65.
• Insurance for employers in case of disability

Short and Long Term Disability

• Revenue protection in case of disability due to an illness or accident
• Superior protection offering a maximum of flexibility
• Possibility of coordination with your Group Insurance
• Adapted to the needs of individuals and business owners.

Additional Health Insurance

• Franchise or direct payment card
• Coverage of 80% and 100%
• Semi-private hospital room
• Global protection for all members and their families
• Professional medical care and eye care.

Critical Illness and Long Term Care

• Protection in case of critical illness such as cancer, heart attack, paralysis, multiples sclerosis and others.
• Fixed amount paid in case of critical illness to cover unexpected medical expenses and to help maintain your standard of living.
• Option to reimburse the premiums paid at the end of the contract if no claim was made
• Benefit from professional services in your own home or a specialized medical establishment of your choice.

Dental Insurance

• Coverage of 80% and 100%
• Options for basic care, high risk and orthodontics
• Up to 1,500$ per person, per civil year.

Insurance for Employees

• Death and Disability

Group RRSPs

• Simple and easy to use
• An important advantage for the employees
• Low or no fees for the employer
• Contribution is not mandatory
• Maximum flexibility
• Large choice of investments catered to the employee’s needs
• Personalized service

General Financial Planning

• Development and Management of portfolios
• Possibility of mutual and segregated funds
• Personalized investments according to your degree of risk tolerance
• High return and flexibility
• Accumulation of savings for your children – Registered Education Saving Plans (RESP)

Retirement Plan with determined benefits

• A classic for large businesses.

Retirement Planning

• Development and Management of exclusive and personalized retirement plans
• Registered Retirement Savings Plans
• Personalized management of investments in the perspective of retirement revenue
• For all ages according to future needs of each individual
• Established by our actuary-advice
• Possibility of tax-shelter.

Individual Pension Plan

• Specifically developed for leaders, owners and superior executives.
• For people 55 years old and older
• Established by our actuary-advice
• Personalized Investments.

Non-Registered Salary Savings Plan

• High Return
• Very Flexible
• Fiscal Advantages

Differed participation to benefits

• An excellent way of motivating employees, which can contribute to the growth of the company.
• Stabilization of personnel with incentives for employees and employer.

Succession Planning

• Professional planning for all personal and commercial asset sharing.
• To reduce to the minimum the tasks of the executor.
• Prepared without complications to protect your interests and those of your heirs.