Services Financiers AG - Financial security advisor in Quebec.
CLIENT PROFILE

An individual
or a family?

Salary, mortgage, children, spouse - your situation is clear. Your protections deserve to be just as clear. Alexandre reviews your file and recommends what fits your needs.

Family protected by life insurance - Services Financiers AG.
FamilyHomeownerEmployee
Salaried income
Spouse or children
Owner or renter
Insufficient group coverage
FREE ANALYSIS

What's missing from your current protection?

Alexandre reviews your situation and calls you back with a personalized recommendation. Free, no obligation.

Analysis of your current coverage
Identification of gaps
A personalized, no-obligation proposal

Estimate your coverage

A few details are enough. Alexandre calls you back with a personalized, no-obligation estimate.

Free · No obligation · Confidential

The analysis is free. If you sign up, Alexandre is paid a commission by the insurer or product provider.

YOUR NEEDS

The 4 essential protections

Not all required at the same time, but all important to identify based on your situation.

Income replacement

If you pass away, your family loses your salary. Term life insurance can replace that income to help your loved ones maintain their quality of life.

Term life
Death benefit generally tax-free
Family as beneficiary

Occupational disability

Group insurance often replaces only part of your salary. An individual policy can fill the gap if you can no longer work.

Long-term disability
Income set out in the contract
Complements the group plan

Mortgage protection

Your home is often your largest asset. Private mortgage insurance protects your family - not the bank - and keeps the coverage fixed.

Fixed coverage
Family as beneficiary
Portable between institutions

Payout on diagnosis

In case of cancer, stroke or heart attack, critical illness insurance pays you a lump sum, under the terms of the contract, so you can focus on your recovery.

Capital on diagnosis
Generally non-taxable
List of illnesses per the contract
THE REALITY

When should you
get protected?

Many families realize they lack coverage when a child is born or when they buy a home. The longer you wait, the higher the premiums, and a health problem that appears in the meantime can lead to a surcharge or a refusal.

Alexandre Garneau, Financial Security Advisor in Montreal, serving individuals and families.
Alexandre Garneau
AMF certificate no. 272275
SOLUTIONS

The recommended protections
for your profile

Not all at the first meeting, but all to keep on your planning horizon.

PROTECTION LEVELS

Choose your level of coverage

No protection
Basic protection
Combined protection
RECOMMENDED
Family protected if deathNoYesYes
Income replaced if disabledNoNoYes
Mortgage protectedNoPartialYes
Lump sum if critical illnessNoNoYes
Complements group insuranceNoPartialYes
Get this protection
FAQ

Frequently asked questions

Is my group insurance at work enough?

Not always. Group insurance often replaces only part of your salary in case of disability, and it often doesn't follow you if you change employers. Do you know the amount provided and the waiting period before you get paid? Alexandre compares what you have with what you'd need.

Do I need to have children to take out life insurance?

No. Anyone with a spouse, a mortgage, debts or people who depend on their income may need life insurance. In general, the younger and healthier you are when you sign up, the lower the premium; a health problem that appears in the meantime can lead to a surcharge or a refusal.

How much does it cost to protect a family?

It varies based on your age, health, income and needs. Only a quote based on your file gives a reliable price. Alexandre prepares a free personalized estimate for you.

What happens if I fall ill and can no longer pay my premiums?

Several policies include, or offer as an option, a waiver of premium clause in case of disability. Under the contract, if you can no longer work, the insurer covers your premiums after the set waiting period. Alexandre checks whether this clause is available and relevant for your contracts.

My spouse doesn't work - do they need life insurance?

Often, yes. If your spouse takes care of your children or your home, their death represents a real financial cost: childcare, household help, reorganization. Life insurance can cover these often underestimated costs.

GOOGLE REVIEWS

What clients say

5.0 on Google · 10 reviews
“Alexandre helped me supplement my existing group insurance. He even helped me understand it better. He found the gaps, and now I understand it much better. The best in the west! Thanks again.”
Jonathan PiotteGoogle review · · Translated by Google
“Excellent service! Very professional, available, and attentive. The explanations were clear, and the advice was truly tailored to our needs. I recommend them without hesitation!”
david vachonGoogle review · · Translated by Google
“I met Alex by chance. When he told me he was a financial security advisor, I made an appointment with him and he explained the different ways I could invest my money.”
vincent tremblayGoogle review · · Translated by Google

Reviews posted by clients on the Services Financiers AG Google listing, in French; the English text is Google's automatic translation. Every situation is different: a review does not predict the outcome of yours.

Free analysis

Talk with
Alexandre.

Fill out this form and get an analysis of your insurance needs, free and with no obligation. We aim to reply within 24 hours.

Free, no-obligation analysis
Personalized reply, usually within 24 hours
No sales pressure

Your information is confidential. It is used only to answer your request.