PERSONAL LIFE INSURANCE

Term life
insurance.

Maximum protection at the lowest cost for a defined period. The ideal solution for young families, homeowners and anyone who wants to cover a key period of their life.

Talk to an advisor

Alexandre Garneau, Financial Security Advisor in Montreal, term life insurance specialist.

COVERAGE

What this insurance covers

Term life insurance offers simple, clear and powerful protection for the years that matter most.

Tax-free death benefit

If death occurs during the covered period, your beneficiaries receive the capital directly, tax-free.

Lifetime capital

Named beneficiaries

Fast payout

Fixed guaranteed premiums

Your premium is set for the entire chosen term - no surprises, no unpredictable increases.

T10, T20 or T30

Stable premium

Predictable budget

Renewable and convertible

At maturity, the policy can be renewed without new medical evidence or converted to permanent insurance.

Conversion possible

No medical exam

Future flexibility

Mortgage protection

Unlike the bank's insurance, your family is the beneficiary - not the financial institution.

Family beneficiary

Fixed coverage

Portable policy

FREE ESTIMATE

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.

No endless form

A reply within 24 business hours

No obligation to sign up

WHY THIS INSURANCE?

The most accessible
protection there is.

Term life insurance is the most direct and affordable way to protect your family during the years when your death would have the greatest financial impact.

No complexity, no account to manage. Just clear protection, for a set period, at the lowest possible cost.

The right term depends on your obligations: a mortgage, dependents, debts to pay off. Alexandre matches it to your reality, not a standard product.

1/3

Canadians without enough life protection for their family

Source: Statistics Canada

85%

of mortgages unprotected in case of premature death

Source: CMHC

$40

per month for $500,000 of T25 coverage at age 30

Source: iA actuarial data

Protect yourself now

Family protected by term life insurance - AG Financial Services.

AMF registered #272275

Financial Security Advisor

WHO IS IT FOR?

Who is it useful for?

Young family

The young family

"You have children and a mortgage"

Family income protection

Mortgage coverage included

T20 or T25 recommended

First-time homeowner

The homeowner

"You've just bought your home"

Alternative to bank insurance

Family as direct beneficiary

Fixed (non-decreasing) coverage

Professional

The professional

"You're early in your career"

Low premium, maximum protection

Convertible to permanent

Complements your group insurance

WHY CHOOSE US

The Alexandre advantage

No bureaucracy, no call center. Alexandre takes the time to understand your situation and offers solutions that truly fit you.

Direct access

Talk directly to Alexandre - no voicemail, no middleman.

iA Financial Group partner

Alexandre reviews the iA product range to offer you the best value for money.

Independent of your bank

No interest in selling you the in-house product. Only what's good for you.

Free annual follow-up

Your file is reviewed every year to adapt to your changing life.

Alexandre Garneau, Financial Security Advisor, AG Financial Services.

100%

Direct access

COMPARISON

Which term to choose?

	T10	T20 RECOMMENDED	T30
Monthly premium	The lowest	Reasonable	Higher
Protection duration	10 years	20 years	30 years
Ideal for	Short-term debt	Mortgage & family	Maximum protection
Renewable	Oui	Oui	Oui
Convertible to permanent	Oui	Oui	Oui
Cash value	Non	Non	Non
		Choose this option

TESTIMONIALS

What clients say

“He's great! Easy to listen to, very calm and composed.”

Mouhamed Sarité

Verified Google review

“Thanks to Alexandre for his advice regarding my company's insurance. I wasn't aware of the programs offered, such as corporate life insurance. I highly recommend him.”

Felix HV

Verified Google review

“Excellent service from start to finish. Alexandre is very professional, attentive, and takes the time to explain the different options without putting any pressure on me. I felt well-advised and confident throughout the entire process. I highly recommend AG Financial Services.”

Anthony Dussault

Verified Google review

* Verified Google reviews, posted by real clients (5/5).

PREMIUM CALCULATION

How is the premium
calculated?

Several factors influence your premium. The earlier you sign up, the more advantageous it is.

Get my estimate

Age

The younger you sign up, the cheaper it is

At 30, $500,000 of coverage can cost less than $40/month. Each year of waiting significantly raises the premium. The best time to sign up is now.

Health

Medical history and family history

Sign up while you're healthy to get the best conditions. Some chronic illnesses can lead to a surcharge or a specific exclusion.

Coverage amount

Desired death benefit

The general rule is to aim for 10-12 times your annual income. Alexandre calculates the optimal amount based on your mortgage, debts and your family's needs.

Smoking

Smoker or non-smoker status

Smoker status generally doubles the premium. If you've quit for more than 12 months, you can be requalified as a non-smoker - a significant saving.

CLAIM

How do you file a claim?

Alexandre supports you at every step of the process.

Notification

Notify your insurer within 90 days of the death.

Timeline: 90 days

Documentation

Death certificate, claim form and identification.

Alexandre guides you

Review

The insurer processes the file - Alexandre follows the progress for you.

Target: 30 days

Payout

The capital is paid directly to beneficiaries, tax-free.

Tax-free payout

COMPLETE YOUR PROTECTION

Frequently asked questions

How much does term life insurance cost?

For a healthy 30-year-old non-smoker, $500,000 of T25 coverage can cost less than $40/month. The cost varies based on your age, health, amount and term. Alexandre prepares a free personalized estimate within 24h.

Which term to choose: T10, T20 or T30?

T10 suits short-term debt or topping up existing coverage. T20 is the classic choice for young families and homeowners with a 20-25 year mortgage. T30 offers the longest protection for those starting young.

What's the difference between my bank's insurance and a private policy?

With the bank's group insurance, coverage decreases as you pay down your mortgage, but the premium stays the same. The bank is the beneficiary, not your family. With a private policy, your family receives the capital directly - and the coverage stays fixed.

Can term insurance be converted to permanent?

Yes. Most term policies allow conversion to permanent insurance without new medical evaluation, before a certain age (usually 65). This is a major advantage if your health changes.

Is there a delay before being covered?

Generally, coverage starts at contract signing and payment of the first premium. Some exclusions may apply in the first years for suicide - Alexandre explains this clearly.

Can my term insurance be declined if my health worsens?

No, once the policy is issued, your coverage is guaranteed for the entire chosen term, regardless of how your health changes. That's why it's important to sign up while you're healthy.

What happens at the end of my term if I haven't converted?

Coverage ends, unless renewed. Most policies renew automatically at a much higher rate, based on your age at that point. Alexandre reaches out before the deadline to review your options.

Does term life insurance have a cash value?

No. Unlike permanent insurance, term builds no value - that's what keeps it much cheaper. To also save, a permanent or participating policy is more appropriate.

LET'S TALK

Protect your family
today.

A few minutes is enough. Alexandre calls you back with a personalized estimate, no obligation.

Reply within 24h

No obligation

AMF registered #272275

Term life
insurance.