In a changing world, personal insurance is more than just protection — it’s a strategic tool to preserve your wealth, secure your future, and keep moving forward no matter what life brings.
Group insurance can be useful, but it often ends… just when you need it most — at job loss, retirement, or during a major life change. Individual insurance, on the other hand, stays with you over time, evolving with your needs and goals.
Our personal insurance advisors are here to help you build a solid, smart, and adaptable plan.
You’ve worked hard to build your assets — don’t let a health event put it all at risk. A solid protection strategy, combined with effective tax planning, can even help grow your wealth over the long term.
And because we’re independent insurance brokers, we have access to a wide range of products from Canada’s leading insurers.
At Gestion Phocus, we guide you in choosing the right coverage at the right time. Our advisors are here to offer personalized solutions that align with your goals.
Find answers to the most frequently asked questions about our financial services.
Life insurance is an essential tool to financially protect your loved ones in the event of your death. It helps ensure your family’s financial security, cover debts, maintain their standard of living, and in some cases, facilitate wealth transfer planning.
Depending on your situation, life insurance can:
We help you choose the right type of life insurance (term, permanent, or universal) based on your needs, budget, and stage of life.
Disability insurance provides financial protection if illness or injury prevents you from working for an extended period. It pays you a replacement income to help maintain your lifestyle and cover essential expenses (housing, food, loans, etc.).
At Gestion Phocus, we help you choose disability coverage tailored to your professional reality, so you’re protected if the unexpected happens.
Mortgage life insurance is designed to pay off your mortgage in the event of your death. It allows your loved ones to keep the home without having to assume the remaining mortgage balance.
Health insurance supplements the coverage provided by the RAMQ (Quebec’s public health insurance plan) by giving you access to services that are partially covered or not covered at all.
Some key benefits include:
Travel insurance is not mandatory in all cases, but it is strongly recommended. RAMQ covers very few medical costs outside Quebec, and a medical emergency abroad can result in significant expenses. In addition, some countries require proof of travel insurance to enter. Proper coverage protects you financially and lets you travel with peace of mind.
