Insurance Solutions Coordinated
with Your Tax Strategy
MBA, Licensed Financial Security Advisor with 20+ years of experience, supporting families and individuals across Montreal and Quebec with life, health, disability, critical illness, and travel insurance — all aligned to your goals and tax strategy.
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About Insurance Services
Insurance is more than a contract — it’s peace of mind and financial security. As an independent insurance advisor licensed in Quebec, I compare leading Canadian insurers available in the province to find coverage that balances strong protection and cost efficiency.
I serve clients across Montreal and Quebec. Travel insurance can be arranged Canada‑wide only for visitors to Canada. My role is to make insurance clear, simple, and personalized so you can focus on life, knowing your family is protected.
Goal- & Tax-Aligned Advice. Beyond quoting a policy, I design insurance that supports your goals and coordinates with your tax situation — from funding estate taxes and preserving family wealth to using policy cash values appropriately. When needed, I work with your accountant/notary to make sure the strategy fits Quebec rules.
Scope & Referrals: Damage (home/auto) insurance and group benefits are provided via referrals within our team.
Types of Insurance I Offer
Life Insurance (Quebec)
Protect your family’s future with term or permanent life coverage. I help you compare options and arrange a short Dynacare medical exam when required, at a time and place convenient to you.
Health Insurance (Quebec)
RAMQ doesn’t cover everything. Private plans can add prescriptions, dental, vision, and paramedical services to close the gaps for you and your family.
Disability Insurance (Quebec)
Your income is your biggest asset. Disability coverage provides a monthly benefit if illness or injury prevents you from working — keeping your finances stable during recovery.
Critical Illness Insurance (Quebec)
A diagnosis such as cancer, stroke, or heart attack can disrupt everything. Critical illness insurance pays a one‑time, tax‑free lump sum to support treatment, home care, or time off.
Travel Insurance
Plans for trips abroad and within Canada: emergency medical, trip cancellation/interruption, and more. Travel insurance is available Canada‑wide for visitors ONLY.
Referrals to colleagues from other provinces for Canadian residents.
Referrals to colleagues from other provinces for Canadian residents.
Note: All advisory services are provided under Quebec licensing. Travel insurance availability extends across Canada through approved carriers.
Insurance Aligned with
Your Goals & Tax Strategy
Preserve your estate
Use life insurance to cover potential taxes and final expenses so assets pass intact to your heirs.
Build tax-advantaged value
Permanent life (participating/UL) can accumulate policy values on a tax-favoured basis within Canadian exempt rules.
Access value smartly
Explore disciplined access to policy values (e.g., collateral loans) for retirement income planning — suitability depends on your profile.
Protect income, plan taxes
Structure disability coverage with an eye to who pays premiums and how benefits may be taxed in your situation.
Coordinate health costs
Private health/CI can help manage out-of-pocket medical expenses; some costs may qualify for credits/deductions.
For business owners
Fund buy-sell agreements, protect key people, align coverage with corporate/owner tax planning. (Group & damage insurance via team referrals.)
How It Works
Initial
contact
Phone, WhatsApp, email, or text.
First
Consultation
Online or phone meeting to clarify goals and coverage needs (life, health, disability, critical illness, travel).
Needs
Assessment
We review family situation, income, obligations, and budget.
Plan
Design
I compare leading insurers operating in Quebec and share personalized recommendations.
Medical Exam
(if needed)
Fast, private Dynacare exam (typically 45–60 minutes) at home or work; results go directly to the insurer.
Application
Support
I guide you through paperwork and underwriting.
Ongoing
Service
Annual reviews so coverage evolves with your life.
Case Studies
Life Insurance + Mortgage Protection (Montreal, Quebec)
A young family in Montreal wanted to ensure their children would be financially safe if something unexpected happened. I structured a life insurance plan combined with mortgage protection, giving them long-term stability and peace of mind.
Critical Illness Coverage (Quebec City, Quebec)
One of my clients in Quebec City faced a sudden health diagnosis. Thanks to the critical illness insurance plan we had set up, they received a tax-free payout that covered medical treatment costs without draining their savings.
Health Insurance for Newcomers (Montreal, Quebec)
Newcomers to Quebec often find that RAMQ does not cover everything. I arranged private health insurance including dental and prescription coverage, helping them transition smoothly into their new life.
Disability Insurance for Business Owner (Quebec)
A business owner in Quebec wanted to protect his income in case of illness or injury. I designed a disability insurance plan that ensured consistent cash flow, allowing him to focus on recovery without financial stress.
Testimonials
Frequently Asked Questions
(FAQ)
How do I get insurance in Quebec?
Book a free consultation. I’ll review your situation and compare policies from top Canadian insurers operating in Quebec.
Does Canadian insurance work in the USA?
Yes. With the right travel plan, Quebec residents can be protected against medical emergencies while abroad.
What’s the best health or life insurance in Quebec?
It depends on age, family situation, and goals. I compare multiple providers to find the best‑fit plan.
Public vs. private coverage — what’s the difference?
RAMQ covers many essentials but not all. Private insurance can add prescriptions, dental, vision, paramedical.
Do I need life insurance if I have it through work?
Group coverage is often limited and can end when you change jobs. Personal life insurance keeps protection in your hands.
How much does insurance cost?
It varies by policy type, age, and health. I provide clear, tailored estimates during your consultation.
Can I buy insurance fully online in Quebec?
Yes. Most applications can be completed by phone, email, or video.
What happens during a medical exam?
For some policies, Dynacare conducts a short exam (usually under an hour) at home or work; results go directly to the insurer.
Can investment loans be used with RRSP or insurance strategies?
Yes. Through partners (e.g., Manulife Bank), investment and RRSP loans can support tax‑efficient strategies when appropriate.
Can life insurance reduce the taxes my family pays?
It can help fund taxes and final expenses so your assets don’t need to be sold. Proceeds typically pay directly to beneficiaries. We’ll model your scenario and coordinate with your tax professional.
Are disability benefits taxable?
Taxation depends on who pays the premiums and your employment status. We’ll structure coverage accordingly and confirm details with your accountant.
Can permanent life help with retirement income?
Some clients build tax-advantaged policy values and later access them (e.g., via collateral loans). Suitability, risks, and costs vary — we’ll review options and involve your tax advisor.
Insurers I Work With (Quebec)
I compare plans from these leading providers available in Quebec and recommend the options that best fit your goals, health profile, and budget; for travel coverage, I work with the providers listed below.
Life/Health/CI/DI:
Travel:
Ready to Protect
What Matters?
Get independent, goal- and tax-aligned insurance advice. Life, health, disability, critical illness, and travel - tailored to you. Montreal & Quebec-wide.
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“Services provided under Quebec licensing (AMF/CSF). This page is for information only and does not constitute tax or legal advice. Strategies are coordinated with your professional advisor(s); outcomes depend on individual circumstances.”