Financial Security Advisor

Your financial
advisor
in Montreal.

Alexandre Garneau, financial security advisor, simplifies your finances. Direct support for families, entrepreneurs and self-employed workers in Quebec.

Get my free analysis How it works

5.0 on Google · 10 reviews

AMFCertificate no. 272275

24hTarget response time

iAPartner insurer

Alexandre Garneau, Financial Security Advisor in Montreal, Services Financiers AG.

Regulator and partners

iA Groupe financier, partenaire de Services Financiers AG.

Cabinet MRa, partenaire de Services Financiers AG.

Who we serve

We protect
who you are.

Whether you're self-employed, running a business or thinking of your family, there's a solution built for your reality.

Family in Quebec protected by life and critical illness insurance with Services Financiers AG.

Family protected

Individuals & families

Protect your loved ones against life's hardships: death, critical illness, disability.

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Montreal entrepreneur planning their protection with Services Financiers AG.

Corporate protection

Entrepreneurs & businesses

Life and critical illness insurance integrated into your corporate tax strategy.

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Self-employed worker in Montreal protecting their income with disability insurance.

Income protected

Self-employed workers

If you can't work, your income stops. Disability insurance replaces part of it, according to the contract.

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Why choose us

The guidance
you deserve.

We don't sell insurance on an assembly line. We build a lasting protection strategy, shaped around your real life.

01Solid protection

Your coverage is chosen to withstand the unexpected, not to tick boxes.

02A dedicated advisor

Alexandre answers in person. No call center, no transfers.

03Tailored analysis

Every file is studied around your financial, tax and family reality.

04Clear advice

We demystify insurance. You understand exactly what you're paying for.

Our approach

A strategy
tailored to you.

We combine attentive listening with a sound knowledge of the products to propose insurance solutions that fit your situation, today and ten years from now.

Analysis of your real needs, not an off-the-shelf product
Direct access to iA Financial Group products and MRa products
Your tax situation taken into account (RRSP, corporation, holding)
Annual review of your file to keep it aligned with your life

Get a free analysis

Services Financiers AG advisor presenting a disability insurance strategy in Montreal.

Entrepreneurs planning their financial protection with Services Financiers AG.

Our insurance

Products for
every situation.

All products

Life insurance

Protect your family and make settling your estate easier.

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Disability insurance

Replace part of your income if you become unable to work.

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Critical illness

A lump sum if you are diagnosed with an illness covered by the contract (cancer, heart attack or stroke, for example).

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Corporate insurance

Insurance strategies that take your company's tax situation into account, to protect it.

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Our process

From the first meeting to setting up your coverage.

A transparent, step-by-step process so you know where you stand at every stage.

First contact

You reach out by form or phone. We aim to reply within 24 hours.

Needs analysis

Alexandre assesses in detail your financial, professional and family situation.

Recommendations

We present a clear solution, tailored to your actual situation.

Implementation

You complete the application with Alexandre. Coverage takes effect once the insurer accepts your file.

Annual follow-up

Your file evolves with you. We review it every year so it stays suited to your situation.

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GOOGLE REVIEWS

What clients say

5.0 on Google · 10 reviews

“Excellent service from start to finish. Alexandre is very professional, attentive, and takes the time to explain the different options without putting any pressure on me. I felt well-advised and confident throughout the entire process. I highly recommend AG Financial Services.”

Anthony DussaultGoogle review · July 16, 2026 · Translated by Google

“Alexandre explained the different types of personal insurance to me like no one else ever had. As a self-employed person, I didn't even know I could have income and disability insurance. I highly recommend him.”

Catherine BrasseurGoogle review · August 26, 2026 · Translated by Google

“Thanks to Alexandre for the great advice on protecting myself and my business! I wasn't aware of all the insurance options available for my company.”

Ana Maria DanuletGoogle review · September 11, 2026 · Translated by Google

Reviews posted by clients on the Services Financiers AG Google listing, in French; the English text is Google's automatic translation. Every situation is different: a review does not predict the outcome of yours.

Free analysis

Talk with
Alexandre.

Fill out this form to get an analysis of your insurance needs, with no obligation. The analysis is free for you. It may lead to a product recommendation; if you buy, Alexandre is paid a commission by the insurer.

Free, no-obligation analysis

Personalized reply, usually within 24 hours

No sales pressure

Frequently asked questions

Your questions,
our clear answers.

Alexandre Garneau answering a client's questions about life insurance in Montreal.

How much does a financial security advisor cost?

The analysis of your needs is free and without obligation. You don't pay Alexandre any fees: if you take out a product, he is paid a commission by the insurer or the product provider. You only pay the premium or contribution for your contract.

Is the first meeting free?

Yes. The meeting and the analysis are free, at the office in Montreal, at your place or by video call. You are never required to buy anything.

How much does life insurance cost in Quebec?

The cost depends on your age, health, the amount of coverage and the type of product. A personalized analysis lets you get a quote for your situation.

What's the difference between term and permanent insurance?

Term insurance covers a set period (10, 20 or 30 years) at a lower cost. Permanent insurance protects you for life and can build an asset (cash value). The choice depends on your goals: paying off a mortgage or leaving an inheritance.

Do I need disability insurance if I have CNESST or group coverage?

CNESST covers work-related injuries (workplace accidents and occupational diseases), not illnesses or accidents unrelated to your job. An employer's group plan generally ends when you leave the company. Self-employed workers generally have no automatic coverage. Individual disability insurance can fill part of these gaps, according to the contract.

Can life insurance premiums be deducted in a business?

In some cases, partly. When a lender requires life insurance as collateral for a business loan, part of the premiums may be deductible, under certain conditions. Life insurance held by the corporation can also have useful tax effects, depending on the structure. The tax treatment depends on your situation: confirm it with your accountant.

How does setting up insurance work?

Our process is simple: a 30-minute initial talk, a needs analysis, a presentation of the options suited to your situation, then submission of your file. The time before coverage takes effect depends on the insurer, the amount requested and the medical requirements.

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