Services Financiers AG - Financial security advisor in Quebec.
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PERSONAL INSURANCE

Protect your family
and your income.

Life, disability, critical illness and mortgage insurance - tailored solutions for entrepreneurs, self-employed workers and individuals in Quebec.

Talk to an advisor
Regulator and partners
Autorité des marchés financiers - AMF
iA Groupe financier, partenaire de Services Financiers AG.
Cabinet MRa, partenaire de Services Financiers AG.
Autorité des marchés financiers - AMF
iA Groupe financier, partenaire de Services Financiers AG.
Cabinet MRa, partenaire de Services Financiers AG.
OUR SOLUTIONS

Protections suited to
every stage of life.

Whether you're an entrepreneur, self-employed or an individual, Alexandre analyzes your overall situation to recommend the right protections - in the right order of priority.

See all our solutions
Personalized analysis
Alexandre understands your situation before recommending. Free and no obligation.
iA Financial Group partner
Access to iA Financial Group products and MRa products, to offer you conditions suited to your profile.
Annual follow-up
Review of your file every year - at no extra cost.
Direct access
You talk directly to Alexandre, not a call center. Quick reply.

Life insurance

Term, permanent, participating or universal - to protect your family and, depending on the product, build wealth.

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Disability insurance

Alexandre generally aims for coverage of 60% to 85% of net available income, depending on your needs and insurer limits.

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Critical illness

A lump sum, generally non-taxable, paid on diagnosis of a covered illness, per the contract - so you can focus on your recovery.

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PRODUCT DETAILS

All our personal solutions

Disability, critical illness and mortgage

Income protected

Disability insurance

Coverage that generally aims for 60% to 85% of net available income, depending on your needs and insurer limits. Benefit period per the contract.

  • Own-occupation definition, per the contract
  • Benefits generally non-taxable if you pay the premium
Product page
Lump sum

Critical illness

A lump sum, generally non-taxable, paid on diagnosis of a covered illness. Covered illnesses vary by contract; free use.

  • Paid after the survival period set in the contract
  • Premium refund option, per the contract
Product page
Private policy

Mortgage insurance

Your home protected in case of death or disability - the policy follows you if you change banks.

  • Amount set in the contract, not tied to the balance
  • Beneficiaries you choose
Product page

Not sure which protection to start with?

A first conversation with Alexandre costs nothing.

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WHY ALEXANDRE

Why choose Alexandre
for your personal insurance?

Alexandre analyzes your overall situation - income, family, goals, structure - before recommending anything. No generic product.

Learn more about our approach
Direct access
Talk directly to Alexandre, not a call center. Quick reply.
Needs analysis
Understands your situation before recommending. Free and no obligation.
Annual follow-up
Review of your file every year - at no extra cost.
Alexandre Garneau, Financial Security Advisor - Services Financiers AG
FAQ

Your questions about personal insurance

Which product should I start with if I have no insurance?
Disability is often a priority, because your income pays for everything else. Then life insurance if you have dependents or a mortgage. Critical illness can complement both. Alexandre sets the order of priority with you during the needs analysis.
What's the difference between term and permanent life insurance?
Term covers a set period (10 to 30 years) with generally lower premiums - useful for a mortgage and a young family. Permanent lasts for life; depending on the product, it can build cash value and offer tax advantages. Participating and universal are forms of permanent insurance with different accumulation options.
Can I have several insurance policies at the same time?
Yes. Many people combine life, disability and critical illness insurance. These products complement each other: disability protects your income while you're alive, critical illness pays an amount on diagnosis of a covered illness, and life protects your family on your death.
Is my group insurance at work enough?
Not always. If you change employers, your group coverage often doesn't follow you. And many people know neither the amount covered nor the waiting period before being paid. An individual policy belongs to you: it stays in force under the terms of your contract, even if you change jobs.
Does a prior health issue prevent me from being insured?
Not necessarily. Depending on the nature of the issue, the insurer may exclude a specific condition, price it differently, or cover it normally. Alexandre reviews your file in detail to see the conditions available for your situation.
How long does it take to be covered?
For some term life policies without a medical exam, coverage can start quickly. For high amounts or permanent insurance, a medical exam is often required and the process takes longer, depending on the insurer and the file. Alexandre guides you at every step.
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FREE ANALYSIS

Let's analyze your file together.

No obligation, directly with Alexandre, Financial Security Advisor, AMF certificate no. 272275. The analysis is free for you. It may lead to a product recommendation; if you buy, Alexandre is paid a commission by the insurer.

Quick reply
No obligation to buy
AMF certificate no. 272275 · iA Financial Group

An email or a phone number is enough.

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