Combining permanent and term insurance offers you greater flexibility and lets you adapt your policy to your budget.

Term insurance is less expensive and covers you for a set period of time.

Permanent insurance offers comprehensive coverage for the long term.

Your needs are unique and your financial responsibilities will change over the course of your life. Let an advisor find the insurance policy that works for you.

Protect your family’s finances with mortgage insurance adapted to your situation. Mortgage insurance covers the payments on your loan if something happens to you, so your family isn’t stuck dealing with a major debt.

Greater flexibility

Mortgage insurance policies offered by financial institutions are designed to cover the leftover balance on your mortgage in the event of your death. However, do they offer enough flexibility?

Coverage from an institution:

Pays back only the mortgage loan

No lump-sum payment for the beneficiary you choose

Mortgage insurance through your advisor:

Lump sum payment for your beneficiary

Greater flexibility in terms of the amount paid by the insurer

Your advisor can help you find the right mortgage insurance for you!

In order to structure your payments wisely, it is essential to plan well and consider all your options.

Giving you maximum freedom is what you need! A thorough review will allow you to predetermine your payments and assess whether you are ready to pay back faster to make your money grow or whether you need more flexibility in your payments requires a thorough review.

The elaboration of the period including the duration of the payments of a given contract makes it easier to make your budget. I am able to establish with you the payment period that suits you according to your financial availability and your short and long term projects.

What is an asset allocation and how does it relate to my reality? This question deserves careful consideration and that is why I represent the best avenue to take all these parameters into account.