{"id":1813,"date":"2025-06-02T20:57:46","date_gmt":"2025-06-03T00:57:46","guid":{"rendered":"https:\/\/gestionphocus.com\/assurance-particuliers\/"},"modified":"2025-07-18T10:46:09","modified_gmt":"2025-07-18T14:46:09","slug":"personal-insurance","status":"publish","type":"page","link":"https:\/\/gestionphocus.com\/en\/personal-insurance\/","title":{"rendered":"Personal insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1813\" class=\"elementor elementor-1813 elementor-1231\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-046892e e-con-full e-flex e-con e-parent\" data-id=\"046892e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4f2206d e-con-full e-flex e-con e-child\" data-id=\"4f2206d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3e03ffd x-hero-content e-flex e-con-boxed e-con e-child\" data-id=\"3e03ffd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-305bde4 e-con-full e-flex e-con e-child\" data-id=\"305bde4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-378f7e0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"378f7e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Personal insurance<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a32ccc3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a32ccc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Protect what you\u2019ve built \u2014 at every stage of life<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79e2763 elementor-widget elementor-widget-spacer\" data-id=\"79e2763\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89c4e98 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"89c4e98\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In a changing world, personal insurance is more than just protection \u2014 it\u2019s a strategic tool to preserve your wealth, secure your future, and keep moving forward no matter what life brings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33f7033 e-con-full e-flex e-con e-child\" data-id=\"33f7033\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa619ae elementor-absolute elementor-widget elementor-widget-image\" data-id=\"fa619ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/05\/hero-vector.svg\" class=\"attachment-full size-full wp-image-1719\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89d5b86 elementor-absolute elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-image\" data-id=\"89d5b86\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"x-hero-media\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" fetchpriority=\"high\" decoding=\"async\" width=\"1500\" height=\"1646\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/header-particulier.webp\" class=\"attachment-full size-full wp-image-2393\" alt=\"\" srcset=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/header-particulier.webp 1500w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/header-particulier-273x300.webp 273w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/header-particulier-933x1024.webp 933w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/header-particulier-768x843.webp 768w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/header-particulier-1400x1536.webp 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0999ab4 elementor-absolute elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-image\" data-id=\"0999ab4\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"x-vector-hero-interne\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-vector.svg\" class=\"attachment-full size-full wp-image-1770\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8e81363 e-con-full e-flex e-con e-child\" data-id=\"8e81363\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-72f1c69 e-flex e-con-boxed e-con e-child\" data-id=\"72f1c69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-06f5206 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"06f5206\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8895c2 elementor-widget elementor-widget-image\" data-id=\"c8895c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" width=\"1000\" height=\"1035\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/produit-particuliers.webp\" class=\"attachment-full size-full wp-image-2398\" alt=\"\" srcset=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/produit-particuliers.webp 1000w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/produit-particuliers-290x300.webp 290w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/produit-particuliers-989x1024.webp 989w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/07\/produit-particuliers-768x795.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43d1b40 e-con-full e-flex e-con e-child\" data-id=\"43d1b40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71eb9ac elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"71eb9ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our personal insurance products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8930d84 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8930d84\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Life Insurance (Term, Whole, Universal)<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9936f7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d9936f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Disability Insurance (Income Replacement)<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f03b0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a2f03b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Critical Illness Insurance<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a1f392 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8a1f392\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Long-Term Care Insurance<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c045924 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c045924\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Mortgage Insurance<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d555f82 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d555f82\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Health Insurance (Including Dental Coverage)<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc90825 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"dc90825\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Travel Insurance<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e341652 e-con-full e-flex e-con e-child\" data-id=\"e341652\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8e099b5 e-flex e-con-boxed e-con e-child\" data-id=\"8e099b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51571f5 e-con-full e-flex e-con e-child\" data-id=\"51571f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ecfd37 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8ecfd37\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why choose individual insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fc5027 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"6fc5027\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Group insurance can be useful, but it often ends\u2026 just when you need it most \u2014 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f092c61 e-con-full e-flex e-con e-child\" data-id=\"f092c61\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03e7602 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"03e7602\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Do you want to:<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1db6467 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"1db6467\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ensure an income in the event of disability?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Maintain your standard of living in the case of a critical illness?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Prevent your loved ones from having to liquidate your assets?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Leave an inheritance or make a planned donation?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-007d2db elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"007d2db\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our personal insurance advisors are here to help you build a solid, smart, and adaptable plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab024cf e-con-full e-flex e-con e-child\" data-id=\"ab024cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-874bf98 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"874bf98\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fad66ec e-con-full e-flex e-con e-child\" data-id=\"fad66ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b76f7d8 e-flex e-con-boxed e-con e-child\" data-id=\"b76f7d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d6532eb e-con-full e-flex e-con e-child\" data-id=\"d6532eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-415e766 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"415e766\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" width=\"1000\" height=\"1110\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-services.webp\" class=\"attachment-full size-full wp-image-1782\" alt=\"\" srcset=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-services.webp 1000w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-services-270x300.webp 270w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-services-923x1024.webp 923w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-services-768x852.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d76720 elementor-absolute x-testi_grenat elementor-invisible elementor-widget elementor-widget-image\" data-id=\"4d76720\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/testi-grenat.svg\" class=\"attachment-full size-full wp-image-1767\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fce1ebd elementor-absolute x-testi-lune elementor-invisible elementor-widget elementor-widget-image\" data-id=\"fce1ebd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/testi-lune.svg\" class=\"attachment-full size-full wp-image-1768\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b38b7a9 e-con-full x-testi-slider-wrap e-flex elementor-invisible e-con e-child\" data-id=\"b38b7a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a967e9b elementor-widget elementor-widget-heading\" data-id=\"a967e9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wealth protection is a strategic move<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24a145d elementor-widget elementor-widget-text-editor\" data-id=\"24a145d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You\u2019ve worked hard to build your assets \u2014 don\u2019t 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.<\/p><p>And because we\u2019re independent insurance brokers, we have access to a wide range of products from Canada\u2019s leading insurers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-add35fb elementor-absolute x-vector-top elementor-invisible elementor-widget elementor-widget-image\" data-id=\"add35fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/vector-01.svg\" class=\"attachment-full size-full wp-image-1791\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c6ded7 elementor-absolute x-vector-top elementor-invisible elementor-widget elementor-widget-image\" data-id=\"0c6ded7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/vector-01.svg\" class=\"attachment-full size-full wp-image-1791\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dca98ea e-con-full e-flex e-con e-child\" data-id=\"dca98ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-deb2543 e-flex e-con-boxed e-con e-child\" data-id=\"deb2543\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96bd51c elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"96bd51c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAt 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.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a149c2 e-con-full e-flex e-con e-child\" data-id=\"7a149c2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d7a9272 e-flex e-con-boxed e-con e-child\" data-id=\"d7a9272\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76edb94 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"76edb94\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b78353 elementor-widget elementor-widget-heading\" data-id=\"2b78353\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ad892f elementor-widget elementor-widget-text-editor\" data-id=\"6ad892f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Find answers to the most frequently asked questions about our financial services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f73bee elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"5f73bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a0a132c6d9e4\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-5f73bee\">\n                        <a href=\"#collapse-08a172d6a0a132c6d9e4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-08a172d6a0a132c6d9e4\" aria-expanded=\"false\" aria-controls=\"Collapse-08a172d6a0a132c6d9e4\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the purpose of life insurance?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-08a172d6a0a132c6d9e4\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-5f73bee\" data-parent=\"#accordion-6a0a132c6d9e4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Life insurance is an essential tool to financially protect your loved ones in the event of your death. It helps ensure your family\u2019s financial security, cover debts, maintain their standard of living, and in some cases, facilitate wealth transfer planning.<\/p><p>Depending on your situation, life insurance can:<\/p><ul><li>Replace your income to support your family<\/li><li>Pay off debts (mortgage, loans, credit cards)<\/li><li>Cover funeral costs and taxes upon death<\/li><li>Leave a legacy or planned donation<\/li><li>Ensure the continuity of a business<\/li><\/ul><p>We help you choose the right type of life insurance (term, permanent, or universal) based on your needs, budget, and stage of life.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-5f73bee\">\n                        <a href=\"#collapse-32274876a0a132c6d9e4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-32274876a0a132c6d9e4\" aria-expanded=\"false\" aria-controls=\"Collapse-32274876a0a132c6d9e4\">\n                            \n                            <span class=\"ekit-accordion-title\">What does disability insurance cover?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-32274876a0a132c6d9e4\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-5f73bee\" data-parent=\"#accordion-6a0a132c6d9e4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>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.).<\/p><p>At Gestion Phocus, we help you choose disability coverage tailored to your professional reality, so you\u2019re protected if the unexpected happens.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-5f73bee\">\n                        <a href=\"#collapse-b5a31e26a0a132c6d9e4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b5a31e26a0a132c6d9e4\" aria-expanded=\"false\" aria-controls=\"Collapse-b5a31e26a0a132c6d9e4\">\n                            \n                            <span class=\"ekit-accordion-title\">What is mortgage life insurance?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b5a31e26a0a132c6d9e4\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-5f73bee\" data-parent=\"#accordion-6a0a132c6d9e4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>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.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-5f73bee\">\n                        <a href=\"#collapse-8f056ac6a0a132c6d9e4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8f056ac6a0a132c6d9e4\" aria-expanded=\"false\" aria-controls=\"Collapse-8f056ac6a0a132c6d9e4\">\n                            \n                            <span class=\"ekit-accordion-title\">What are the benefits of health insurance?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8f056ac6a0a132c6d9e4\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-5f73bee\" data-parent=\"#accordion-6a0a132c6d9e4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Health insurance supplements the coverage provided by the RAMQ (Quebec\u2019s public health insurance plan) by giving you access to services that are partially covered or not covered at all.<\/p><p>Some key benefits include:<\/p><ul><li>Reimbursement for routine care: medications, dental care, glasses, eye exams, massage therapy, physiotherapy, etc.<\/li><li>Faster access to certain healthcare professionals<\/li><li>Financial protection from unexpected medical expenses<\/li><li>Peace of mind for you and your family<\/li><li>Options for individual, family, or group coverage.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-5f73bee\">\n                        <a href=\"#collapse-503390e6a0a132c6d9e4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-503390e6a0a132c6d9e4\" aria-expanded=\"false\" aria-controls=\"Collapse-503390e6a0a132c6d9e4\">\n                            \n                            <span class=\"ekit-accordion-title\">Is travel insurance mandatory?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-503390e6a0a132c6d9e4\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-5f73bee\" data-parent=\"#accordion-6a0a132c6d9e4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>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.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Personal insurance Protect what you\u2019ve built \u2014 at every stage of life In a changing world, personal insurance is more than just protection \u2014 it\u2019s a strategic tool to preserve your wealth, secure your future, and keep moving forward no matter what life brings. Our personal insurance products Life Insurance (Term, Whole, Universal) Disability Insurance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Gestion Phocus | Customized Personal Insurance | Montreal","_seopress_titles_desc":"Personal insurance solutions. Life, auto, home, health insurance, and more. Get coverage that fits your needs and budget.","_seopress_robots_index":"","footnotes":""},"class_list":["post-1813","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/pages\/1813","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/comments?post=1813"}],"version-history":[{"count":40,"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/pages\/1813\/revisions"}],"predecessor-version":[{"id":2404,"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/pages\/1813\/revisions\/2404"}],"wp:attachment":[{"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/media?parent=1813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}