Discover our range of exclusive solutions. Benefit from a comprehensive analysis and tailor-made solutions to ensure the stability and protection of your business.
Optimize your decisions with our seven-point analysis, second opinion service and the expertise of Cloutier Financial Group’s group insurance team. Take advantage of our service with no-obligation, no-change-of-mandate for the client, ensuring an accurate evaluation without constraints.
Benefit from expert support for a complete range of plans, including conventional plans, multi-insurer, self-insured, retention plans, and group annuities. We offer solutions tailored to each need to optimize your teams’ financial security and satisfy your business’ unique requirements.
Discover unique solutions, including Accidental Death & Dismemberment (AD&D) with Critical Illness (CI), and exclusive coverage designed to provide your employees with enhanced security and comprehensive support under all circumstances.
A key person is a shareholder, a senior officer, or an employee whose contribution is essential to the business' success and survival. Thus, it is essential to implement mechanisms for long-term employee retention and to be prepared for the loss of this essential contribution in case of death, disability or critical illness. A key persons program should be an integral part of the business continuity plan and of the succession plan.
The Key persons insurance is one of the best ways to help your business survive in case of the death, disability or critical illness of a key employee, as the insurance pays out a tax-free amount that could serve as working capital and facilitate management of issues related to death, disability or critical illness, such as:
Recruitment, hiring and training of a replacement
Debt reimbursement and dealing with creditors
Dispelling the fear of possible lenders regarding the business' financial health
Reassure clients, employees, and investors about the business' survival
Implementation of personalized benefits for senior officers or key persons is an excellent long-term retention tool for the business
Disability insurance for high-earning employees compensates the difference between group insurance and the high-earning employee's actual income (ex.: generally $5,000/month for an income of $87,500 for a high-earning employee).
The Deferred profit-sharing plan complements the RRSP with an incentive plan and incites the employee to participate in the business' success
As for persons related to the business who hold at least 10% of a share class, the individual retirement plan (IRP) generally allows to save more for retirement than with an RRSP.
We've been helping you with simplified financial solutions for over 45 years.
Over 1,000 companies take advantage of our exclusive products and service offers. Join them and equip yourself with personalized plans for you and your employees.
Take advantage of our business volume to access exclusive group insurance products and benefit from privileged benefits for businesses. Our advisors offer comprehensive support in choosing your plan, whether conventional, multi-insurer, self-insured, retention or group annuity plans, to guide you towards the plan that suits your specific needs best, while optimizing protection for your employees.
Propose a made-to-measure retirement savings solution with our flexible plans: the group RRSP, for income tax deductible premiums and immediate savings; the VRSP, a simple and advantageous voluntary option for your employees; the DPSP, which stimulates motivation by sharing profits in a retirement savings plan; or the defined‑contribution plan (DCP) with fixed contributions guaranteeing financial security. Our expert advisors help you choose the optimum solution to strengthen your employees’ loyalty and security.
Health insurance is often the most expensive benefit of group insurance plans. But did you know that there are alternatives? Our advisors have access to unique alternative group solutions on the market to help you cover your employees while reducing costs.
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Life Insurance