An independent policy,
your family
decides.
Your bank's insurance is convenient, but limited. Alexandre analyzes your mortgage and your profile to offer the best-suited protection - often more advantageous than the bank's option.
See the detailed comparisonMortgage life insurance
In case of death, the remaining balance of your mortgage is paid off. Your family keeps the home without financial pressure.
Learn moreMortgage disability insurance
If illness or an accident prevents you from working, your mortgage payments are covered during your recovery.
Learn moreMortgage critical illness
A serious diagnosis gives you access to a lump sum to pay off or ease your mortgage.
Learn moreBank insurance vs private insurance
Your bank will offer its own product - that's normal. Here's what the comparison reveals in most cases.
* Conditions vary by product and insurer. Alexandre analyzes your individual situation before any recommendation.
What happens if your
mortgage isn't protected?
Real situations no one should have to go through.
Most Canadian homeowners don't have enough life insurance to cover their mortgage in case of premature death - leaving the family without a home.
A prolonged disability without coverage can force the sale of the home to keep up mortgage payments.
With the bank's group insurance, the capital is paid to the institution - not your family. It pays off your loan, but your loved ones receive nothing directly.
Already have your bank's insurance?
Alexandre can compare and find better - for free.
Why choose Alexandre
over your bank?
Alexandre reviews your file with iA and only recommends what's in your interest. No sales quota, no imposed product.
Learn more about our approach
Situations that resonate
Fictional cases for illustration only - inspired by common situations.
Camille just bought her first home. Her bank offered its group insurance. Alexandre set up a private 25-year policy - fixed coverage at $380,000, her family as direct beneficiary, for less than $40/month.
Private mortgage life insurancePierre took out his bank's insurance without thinking. When diagnosed with a disabling herniated disc, he discovered his bank disability coverage was limited to 2 years. Alexandre moved him to an individual policy with coverage until age 65.
Mortgage disability insuranceWhen switching banks for a better rate, Lucie and Jean lost their group insurance - tied to the old institution. With a private policy set up by Alexandre, their protection follows their mortgage, no matter the financial institution.
Portability - independent policy