Financial Security Advisor

The advisor
who simplifies
your finances.

Direct support for families, entrepreneurs and self-employed workers in Quebec. Alexandre guides you at every step.

Get started now How it works

100%AMF registered

24hResponse time

iAPartner insurer

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

AMF registered

#272275

Direct access

Talk to Alexandre

Regulated by

iA Groupe financier, partenaire de AG Services Financiers.

Cabinet MRA, partenaire de AG Services Financiers.

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 AG Financial Services.

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 AG Financial Services.

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 takes over.

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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 deep expertise to design 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 via the MRA Network
Integrated tax optimization (RRSP, corporation, holding)
Annual review of your file to keep it aligned with your life

Get a free analysis

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

Entrepreneurs planning their financial protection with AG Financial Services.

+100families protected

Our insurance

Products for
every situation.

All products

Life insurance

Protect your family and ensure the continuity of your estate.

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Disability insurance

Maintain your standard of living if you become unable to work.

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Critical illness

A lump sum for cancer, heart attack or stroke so you can focus on recovery.

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Corporate insurance

Tax-efficient insurance strategies to protect and grow your business.

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Our process

From the first meeting to full protection.

A transparent, step-by-step process so you always know where you stand.

First contact

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

Needs analysis

Alexandre fully assesses your financial, professional and family situation.

Recommendations

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

Implementation

You submit your file and your coverage takes effect, hassle-free.

Annual follow-up

Your file evolves with you. We review it every year to keep it optimal.

Schedule a meeting

Free analysis

Talk with
Alexandre.

Fill out this form and get an analysis of your insurance needs, free and with no obligation. Reply within 24 hours.

100% free, no-obligation analysis

Personalized reply 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 life insurance cost in Quebec?

The cost depends on your age, health, the amount of coverage and the type of product. For a healthy 35-year-old man, a 20-year term policy of $500,000 starts around $50 per month. A personalized analysis gives you an exact figure 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 only covers workplace accidents, not illness. An employer's group plan ends when you leave the company. For the self-employed, there is no automatic safety net. Individual disability insurance fills these gaps for the long term.

Can life insurance premiums be deducted in a business?

In some cases, yes. Life insurance premiums taken out to cover a business loan may be deductible. Life insurance held by the corporation can also allow tax-efficient withdrawals. Every situation is different and deserves an accounting and tax analysis.

How does setting up insurance work?

Our process is simple: a 30-minute initial talk, a needs analysis, a presentation of compared solutions, then submission of your file. Coverage usually takes effect within 2 to 4 weeks depending on the insurer and your health.

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