AG Financial Services - Financial security advisor in Quebec.
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.

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Regulated by
Autorité des marchés financiers - AMF
iA Groupe financier, partenaire de AG Services Financiers.
Cabinet MRA, partenaire de AG Services Financiers.
Autorité des marchés financiers - AMF
iA Groupe financier, partenaire de AG Services Financiers.
Cabinet MRA, partenaire de AG Services Financiers.
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
Direct access to iA products via the MRA Network to find the best conditions.
Annual follow-up
Review of your file every year - at no extra cost.
Direct access
You always talk to Alexandre directly. Reply within 24h.
PRODUCT DETAILS

All our personal solutions

Disability, critical illness and mortgage

Income protected

Disability insurance

Up to 85% of income replaced. Deductible for the self-employed. Coverage until age 65.

  • Own-occupation definition
  • Deductible premiums for the self-employed
Product page
Immediate capital

Critical illness

A non-taxable lump sum on diagnosis - 36 illnesses covered, free use.

  • Paid as soon as diagnosed
  • Premium refund option
Product page
Private policy

Mortgage insurance

Your home protected in case of death or disability - portable between banks.

  • Fixed coverage (vs decreasing at the bank)
  • Beneficiaries you choose
Product page
RISKS

What happens if
you're not protected?

Real situations no one should have to go through.

1/3
Canadians will experience a disability of 90+ days
Source: Canadian life insurers

Without disability insurance, a prolonged injury or illness can drain all your savings and jeopardize your retirement.

85%
of mortgages unprotected in case of death
Source: CMHC

Most Canadian homeowners don't have enough life insurance to cover their mortgage in case of premature death.

64%
probability of a serious illness before age 75
Source: Canadian actuarial data

Two in three Canadians will be affected by a serious illness - and most have no capital available to get through that period.

Do you recognize yourself in one of these situations?

A first conversation with Alexandre costs nothing.

Talk to an advisor
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. Reply within 24h.
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 - AG Financial Services
THEY MADE THE RIGHT CHOICE

Situations that resonate

Fictional cases for illustration only - inspired by common situations.

C
Camille, 31
First-time homeowner - teacher

Camille just bought her first home. Her $380,000 mortgage weighed on her. Alexandre set up a 25-year term life policy - her family is protected for less than $40/month, without going through her bank.

Term life + mortgage insurance
T
Thomas, 42
IT consultant - self-employed

Thomas billed $130,000/year. Chronic tendinitis put him out of action for 4 months. His disability insurance - deductible as a business expense - covered 85% of his net income throughout that period, without touching his savings.

Disability insurance
N
Nadia, 38
Business owner - two children

Nadia was diagnosed with breast cancer. Her critical illness insurance paid her $100,000 in less than 30 days. She was able to pay for complementary care, delegate the management of her business and focus on her recovery without financial stress.

Critical illness insurance
FAQ

Your questions about personal insurance

Which product should I start with if I have no insurance?
Disability is often the number 1 priority - your income is your most valuable asset. Then life insurance if you have dependents or a mortgage. Critical illness ideally complements 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 (10-30 years) at low premiums - ideal for a mortgage and young families. Permanent lasts for life with cash value and 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 - most people with full coverage have at least a life, a disability and a critical illness policy. These products complement each other: disability protects your income while you're alive, critical illness gives you capital on diagnosis, and life protects your family on your death.
Is my group insurance at work enough?
Rarely - group insurance is generic and leaves you if you change employers. It often covers less than 60% of income for disability. An individual policy stays with you for life, at the conditions and premiums set when you sign up.
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 determine the best conditions available for your situation.
How long does it take to be covered?
For term life insurance without a medical exam, coverage can start within a few days. For high amounts or permanent insurance, a medical exam is often required - the process then takes 4 to 8 weeks. Alexandre handles the whole process for you.
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FREE ANALYSIS

Let's analyze your file together.

Free, no obligation, directly with Alexandre - financial security advisor, AMF #272275.

Reply within 24 business hours
No obligation to buy
AMF registered #272275 · MRA Firm
Confidential - never shared with third parties.