Independent representative in insurance of persons and in group insurance of persons, registered with the Autorité des marchés financiers du Québec. Here is who I am, how to reach me, and how to verify my registration at any time.
As an independent representative, I am not bound to any insurer by an exclusivity agreement. I work through Groupe Cloutier, managing general agent, which lets me compare contracts from several insurers rather than present the catalogue of a single company.
My method does not change: diagnostic, analysis, recommendation, follow-up. No recommendation before a full analysis of your situation. I am paid by commission from the insurer selected — the usual method in the profession, and you may question me about it at any time.
Two areas fall outside my licences. Property and casualty insurance — auto, home, business — which I refer to Lussier, a firm licensed in that discipline. And mutual fund dealing: mutual funds and individual securities. Not to be confused with group insurance and group annuities, which I do hold — my investment offer runs through segregated funds, which are insurance contracts.
Meetings in person in Montréal, by video conference or by phone. For a one-off question, use the form on the home page; for a first appointment, book directly in the online calendar.
Free guides
Plain-language guides, no sign-up, no email required: download and read.
Our other coverage
Coverage for 10, 20 or 30 years, at the lowest cost per dollar of coverage, for the years your family depends on you: mortgage, children, debts. It can usually be converted later to permanent insurance without new proof of health.
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Group insurance (life, disability, health and dental) and group retirement savings (group RRSP, VRSP, DPSP). A well-designed plan helps attract and keep employees, and employer contributions are generally deductible.
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Whole life insurance protects your family for life and builds a guaranteed cash surrender value. Participating policies may also pay annual dividends, which are not guaranteed.
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Universal life separates the cost of coverage from the savings component, which grows tax-sheltered within permitted limits. You adjust deposits to your budget and choose your investment options.
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Individual mortgage insurance belongs to you: the benefit is paid to your beneficiaries, who decide how to use it, and the coverage follows you if you change lenders. Compare it with the bank's offer before you sign.
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An advisor will reply, free and without obligation.
Choose your situation: I’ll show you what matters, straight to the point.
Get group insurance and a group retirement plan through your workplace.
I present a group plan to your employer. You and your colleagues enjoy the same benefits: group-rate coverage and retirement savings boosted by your employer.
Want to attract and keep a great team?
Group insurance, VRSP or group RRSP built around your budget, with insurers compared for you.
No employer to protect you?
Your income, retirement and family rest on you: build your own plan, at your own pace.
A free, no-obligation quote prepared by an AMF-registered advisor.
Valuable programs, explained simply by your advisor.
For children aged 0 to 36 months, UV Assurance's L'Éveil coverage is free the first year, then $18 per year, with no commitment.
Enrol my babyAn RDSP can receive up to $70,000 in grants and $20,000 in Canada Disability Savings Bonds for a person eligible for the disability tax credit.
Check eligibilityLifetime maximums, based on family income and federal program conditions. L'Éveil: insurer's conditions apply.