The path adapts to your situation. Eight questions, two minutes, no personal data until you decide to provide it.
The rest of the path depends on your answer.
Employer coverage generally ends when you leave the company.
With no employer, no group plan takes over.
This is the count used to establish the VRSP obligation.
An RRSP or a TFSA with payroll deduction, offered to everyone, exempts you from the VRSP.
Segregated funds, offered by insurers, include capital guarantees.
Your answers are attached to the message. Your advisor writes to you himself, with no automation. No obligation, no selling over the phone.
The pathway situates your coverage. If it is an amount you are after, the comparison tool gives an estimate in under two minutes.
This assessment produces a general picture of your situation. It is not a financial needs analysis, which requires a full interview and a review of your documents.
Your advisor is a financial security advisor and a representative in group insurance and group annuities (AMF certificate 259457). The investments referred to are segregated funds offered by insurers, together with annuities, RRSPs, TFSAs and FHSAs subscribed with an insurer. Property and casualty insurance is not covered by these registrations.
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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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An advisor will reply, free and without obligation.
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.
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.
I prepare a clear recommendation and a tailored quote, free and with no obligation.
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.