What this insurance covers
Permanent life insurance goes well beyond simple protection. It's a complete tool: lifetime protection, value that accumulates and real tax advantages.
Capital protection
A death benefit paid to your beneficiaries, tax-free. Lifetime protection with no age limit.
Cash value
Your policy accumulates real value you can use during your lifetime, via a loan or withdrawal.
Tax advantages
A powerful tool for estate planning and intergenerational wealth transfer.
Corporate use
Corporate ownership to pay the premium with pre-tax dollars - a unique lever for SMBs.
Your premium in less than 24h,
without leaving home.
Alexandre analyzes your situation and gets back to you with a personalized estimate. Free, confidential and with no obligation whatsoever.
An investment,
not an expense.
Permanent life insurance is often wrongly seen as just a cost. In reality, it's one of the few tools that combines protection, accumulation and tax optimization in a single contract.
Unlike term insurance, it never ends as long as premiums are paid. No renewal to negotiate at an age when the premium climbs.
The right amount depends on your debts, the income to replace for your loved ones and your succession goals. Alexandre works it out with you - never a generic formula.
Who is it useful for?
The Alexandre advantage
No bureaucracy, no call center. Alexandre takes the time to understand your situation and offers solutions that truly fit you.
Compare your options
Term | Permanent RECOMMENDED | Participating | |
|---|---|---|---|
| Monthly premium | Low | Medium | High |
| Duration | 10-30 years | Lifetime | Lifetime |
| Cash value | |||
| Flexibility | Limited | Medium | High |
| Tax advantage | Limited | High | Very high |
| Dividends | |||
| Choose this option |
What clients say
“Alexandre took the time to explain all the advantages of corporate ownership. I didn't know you could pay the premium with pre-tax dollars.”
“In 30 minutes, I had a clear plan tailored to my situation. No jargon, no pressure - just honest explanations.”
“What I appreciate is that Alexandre answers the phone. Not a call center, not a voicemail. A real, accessible advisor.”
* Names have been changed to protect client confidentiality.
How is the premium
calculated?
Several factors influence your premium. The earlier you sign up, the more advantageous it is.
Get my estimateHow do you file a claim?
Alexandre supports you at every step of the process.
Notify your insurer as soon as possible.
Timeline: 90 daysMedical certificates, reports and required tests.
Alexandre guides youThe insurer processes the file - Alexandre follows your file.
Target: 30 daysThe capital is paid directly to beneficiaries, tax-free.
Tax-free payout
