Regardless of the size of your company, it is important to monitor costs to ensure the longevity of your Group Insurance plan and to maintain, over time, quality insurance coverage with the best possible rates. However, this control is not enough. It is important to make employees aware of the need to take responsibility for their own health, either through articles or through group meetings.

Short-Term disability insurance - STD

Access to all Insurers

Needs Assessment

Marketing - Start-up

Implementation of Contracts

Plan-Administrator Support

Access to technological tools

Monotoring technical results

Analysis of results and recommendations in prevention

Employee briefing sessions

Calculating taxable benefits

Renewal negotiations

Online Satisfaction survey


To ensure that your plan is competitive in terms of quality and costs, we conduct market surveys every 3 to 4 years, depending on the situation, to ensure that the insurance plan and costs are competitive with business opportunities. We attach great importance to our independence from our providers: our goal is to find the best plan based on the client's objectives and costs. We therefore select the best provider based on these criteria.

We hold a minimum of one in-company meeting per year, primarily to make sure that employees understand their retirement plan, to answer their questions and explain market trends especially during times of high market uncertainty. When emotions get the best of them, employees need guidance as to their retirement plan.  These meetings help educate them on the importance of taking a long-term view.

In addition, depending on the type of plan, hearings can be held, specifically with the defined contribution plan, to ensure that it complies with the current laws and legal requirements. This fact is often overlooked with this type of plan. We ensure that your plan always complies with the applicable requirements.


Here are the different types of plans we can help you implement :

Meeting - Financial Planning

A meeting with one of our professionals will allow you to develop a personalized plan adapted to your needs and reality.

Group Registered Retirement Savings Plan (RRSP)

A simple plan to implement that allows employees to benefit from many advantages and to save for their retirement.

Deferred Profit - Sharing Plan (DPSP)

A plan designed to allow an employer to contribute to their employees’ retirement savings by making contributions based on the company's profits.

Individual Pension Plan (IPP)

Designed specifically for executives, owners and senior managers, this plan is for individuals 40 years of age and older with an annual salary of $120,000. This plan was established by an actuarial study for the creation of an annuity in the future. Investments are customized.

Simplified Pension Plan (SPP)

The SPP is a plan in which your contributions are used solely for retirement and in which the employer's investments are locked-in. The employees' investments may be locked-in or not locked-in.

Defined Contribution Pension Plan

A pension plan designed to attract and retain top performers by encouraging them to think long-term and remain loyal to the company. This type of plan has specific vesting and lock-in rules.

Defined Benefit Pension Plan

A classic for large companies. This type of plan provides for the payment of a predetermined amount at the time of retirement, based on the length of employment with the company and the best years of salary. This type of plan has been in decline for several years due to the major risk of deficit.

Group Tax-Free Savings Account (TFSA)

An additional account that allows you to save tax-free.

Voluntary Retirement Savings Plan (VRSP)

This plan was required by the Quebec government for all businesses with five or more employees that do not have a pension plan in place.


Group Insurance Plan Association

Multi-Employer Plan

Multi-Insurer Plan

Self-Funded Plan

Universal Membership Form

Monthly Invoicing

Tax Impact Analysis

DMA + Critical Illness

Basic Plan (Health and Dental)

Web access to members to simplify management of their plan

Acturial Services

For information

For additional information concerning our tools, do not hesitate to contact Mr. Louis Lamontagne