Life insurance protects your family during the years they depend on you most. I compare products from several insurers to find the right coverage at a fair price.
or call me at 438 889-6474 · book an appointment
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, discreetly. 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.
You help your children and, soon, your parents. Good planning on their side keeps their estate from becoming a financial headache for you.
Children's education on one side, ageing parents on the other: good planning on their side keeps you from paying out of pocket.
Have my parents' coverage reviewedBook a meetingUnless it is transferred to a spouse, the value of an RRSP or RRIF is added to income in the year of death. Life insurance provides the cash to pay that tax without draining the estate.
Have my parents' coverage reviewedBook a meetingAt death, the capital gain on a cottage or rental property is taxable. Without cash, the estate sometimes has to sell the property the family wanted to keep.
Have my parents' coverage reviewedBook a meetingThey are paid by the estate, but children often advance them while waiting for settlement. Life insurance paid to a named beneficiary does not go through the estate and arrives quickly.
Have my parents' coverage reviewedBook a meetingIn Quebec, an heir is not liable for debts beyond the value of the property received (art. 625 C.C.Q.), provided the liquidation rules are followed. But debts can wipe out the inheritance and force the sale of the family home.
Have my parents' coverage reviewedBook a meetingYou can own a policy on your parent's life and pay the premium, with your parent's written consent. Simplified-issue products exist for older applicants.
Have my parents' coverage reviewedBook a meetingWithout a will, the law decides how the estate is divided. Without a protection mandate, a relative must apply for tutorship in case of incapacity. These documents are prepared with a notary.
Have my parents' coverage reviewedBook a meetingIn one meeting: their insurance, the tax expected at death, debts and named beneficiaries. You will know exactly what to expect.
Have my parents' coverage reviewedBook a meetingGeneral information on Quebec law and taxation; it does not replace advice from a notary or tax specialist.
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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An advisor will reply, free and without obligation.
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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An advisor will reply, free and without obligation.
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.
No personal information is requested until you decide to provide it.
Assess my needs The path adapts to your situation — 8 questions Test my coverage Individual insurance Assess my group plan Employers — VRSP, group insurance Assess my savings Retirement, RRSP, TFSA, segregated funds Book an appointment Exploratory meeting, with no obligationJean Carrière
Financial security advisor
Group insurance and annuity advisor
AMF certificate 259457 · Groupe Cloutier, managing general agent · Member of the Chambre de l'assurance
Verify my registration →I compare products from several insurers and get back to you with a clear recommendation.
Check the services that interest you, answer a few quick questions, then send your request — I will contact you to go deeper into your analysis. This tool does not replace a complete needs analysis, but it helps guide our first conversation.
The best way to judge whether working with me fits your needs is to talk about it directly. Pick up to three 30-minute Google Meet times below: I will send you the Google Calendar invitation with the Meet link.
The questions people ask most often before a first meeting. Short answers you can verify.
On the official register of the Autorité des marchés financiers, at lautorite.qc.ca, by searching “Jean Carrière” or certificate 259457. It is free and takes a minute. You also see the disciplines he is registered for, and any disciplinary measure if there were one.
An advisor registered with the AMF who is not tied to any insurer by an exclusivity agreement. He works through a managing general agent — here Groupe Cloutier — which gives access to contracts from several companies rather than one company's catalogue.
By commission from the insurer selected. That is the usual method of remuneration in the profession. You are entitled to ask the question on any contract, and you are entitled to an answer.
No. The exploratory meeting is a first conversation with no obligation: going over your situation, answering your questions, and seeing whether working together makes sense. No recommendation is made at that stage.
Three disciplines: financial security advisor, representative in group insurance and annuities, and scholarship plan dealer representative. Not covered: property and casualty insurance (auto, home, business), referred to a licensed firm, and mutual funds — the investment offer runs through segregated funds, which are insurance contracts.
It is used only to analyse your needs, formulate recommendations and follow up on your file. It is kept securely for the period required by regulation, then destroyed or anonymised. You may at any time ask to see it, have it corrected, or withdraw your consent.
Send me a written complaint. You receive an acknowledgement, then a written response within the prescribed time limits. If it does not satisfy you, you may ask that the file be transferred to the AMF, which offers a free complaint examination service. AMF: 1 877 525-0337.
Maprime.ca and Jean Carrière are committed to protecting the personal information entrusted to them, in accordance with the Act respecting the protection of personal information in the private sector and the amendments made by Law 25.
Renseignements recueillis. The personal information collected (name, contact details, financial information) is used solely to carry out the analysis of your financial needs, to offer you suitable recommendations and to follow up on your file.
Consentement. No personal information is collected, used or disclosed without your consent, except in the cases provided for by law.
Retention and security. Information is kept securely, for the period required by the regulatory obligations applicable to insurance representatives, then destroyed or anonymized.
Disclosure to third parties. Your information is disclosed only to the insurers, managers or partners necessary to carry out the mandate, or where the law requires it.
Your rights. You may at any time request access to your personal information, request its correction, or withdraw your consent to certain uses, subject to applicable legal obligations. To exercise your rights, contact Jean Carrière using the contact information shown on this site.
Person responsible for the protection of personal information. Jean Carrière, independent representative, holds this role. You may reach him at 438 889-6474 or info@maprime.ca for any question, access request or complaint concerning your personal information.
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Information stored or processed outside Québec. This site is hosted, and several services that make it work — request forms, appointment booking, audience measurement — are provided by companies located in the United States. Information you send through these forms may therefore be stored or processed outside Québec, where it is subject to the laws of those jurisdictions. A privacy impact assessment is carried out before engaging any such provider, in accordance with Law 25. If you would rather not send information electronically, please call 438 889-6474.
In accordance with the requirements of the Autorité des marchés financiers (AMF) and the Chambre de l'assurance (created by the merger of the Chambre de la sécurité financière and the Chambre de l'assurance de dommages), Jean Carrière undertakes to handle every complaint with rigour, transparency and diligence.
Filing a complaint. Any complaint can be sent in writing (by email or letter) to the contact information shown on this site, specifying the nature of the complaint, the relevant facts and documents, and the outcome sought.
Complaints register. Every complaint is recorded in a register kept for that purpose. A notice confirming the date of that entry is sent to you within 10 days, in accordance with the Regulation respecting complaint processing and dispute resolution in the financial sector, in force since July 1, 2025.
Processing. The complaint is examined diligently and a reasoned final written response is provided within a maximum of 60 days following receipt of all information required to examine it. Should that period need to be extended, you would be informed in writing, with the reasons and the new expected time limit.
If you are dissatisfied. You may ask that your complaint file be transferred to the Autorité des marchés financiers, which offers a free complaint examination service and, where applicable, access to the dispute resolution process provided for by law.
AMF contact information. 1 877 525-0337 — lautorite.qc.ca