My priorities

Set up an insurance plan for myself and for my employees
Maintain my family's financial security in the event of critical illness or death
Prepare my retirement and set money aside for emergencies

My solutions

Set up an insurance plan for myself and for my employees

Insurance for entrepreneurs and small businesses provides for the payment of tax-free benefits.
 

• Disability Income Insurance: If I become disabled, I'll receive monthly benefits as partial income replacement. This coverage makes me feel more secure because I know that some expenses like rent and groceries can't wait.
   
• Business Expense Insurance: With this coverage, I don't have to worry if I become disabled. I would receive a certain amount that would help my business continue as usual and pay my overhead.
   
• Hospital, Medical and Paramedical Insurance: If I become ill or have an accident, this coverage will help me deal with the additional expenses such as prescription drugs or the services of a healthcare professional. It's the ideal complement to my provincial health insurance plan.
   
• Dental Insurance: This insurance covers most preventive and restorative dental work so that I don't have to worry about costly dental bills.
   

Did you know that some of the premiums you pay for your private health insurance are deductible from your business income? For more details contact your tax expert.

Maintain my family's financial security in the event of critical illness or death

Maintain my standard of living in the event of a critical illness.
 

• Critical Illness Insurance: In case of critical illness, I'll receive a tax-free lump-sum payment to use as I see fit. For instance, I can use it to cut back on my work schedule, take early retirement, or pay off certain debts.
   

Provide sufficient funds so that my family can settle my estate and pay my last tax bill.
 

• Life Insurance: Upon my death, my family will receive a tax-free lump-sum payment that could be used to cover the expenses they're bound to incur.
   

Prepare my retirement and set money aside for emergencies

As a self-employed worker, I'm on my own when it comes to any retirement income. I contribute the maximum allowable amount in my RRSP to reach my retirement savings objectives.
 

• Multistrategy investments and Desjardins Financial Security's Guaranteed Investment Funds are perfect for my needs:
   
   
  • My multistrategy investments allow me to diversify my portfolio on an international scale, between different asset classes (shares, bonds, money markets, currencies) and according to a broad spectrum of investment strategies.
  • The wide range of Desjardins Financial Security's Guaranteed Investment Funds also lets me take advantage of greater diversification and market growth potential.
  • In addition to being managed by professionals, the capital of these products is guaranteed at maturity. As a result, I have the best of both worlds, security and performance.
     
     
• I chose the same investment tools when I transferred my pension plan from my previous employer to my Locked-in Retirement Account (LIRA).
   

A regular and steady income is not part of my reality. It's imperative that I set money aside to pay my tax instalments and cover off-peak periods.

A daily interest account and Guaranteed Investment Certificates (GICs) are just the thing when I need cash quickly because they are guaranteed and redeemable at any time.

Since my investments are issued by a life insurance company, I have designated a beneficiary for each of my contracts. When I die, the capital will go directly to the beneficiary and thus be excluded from my estate and won't be subject to probate fees.*

 * In Quebec, a notarized will and the estate capital are not subject to probate. 

I need advice tailored to My situation

I want to contact a financial security representative who will assess my life insurance and savings needs and suggest products tailored to my family and my financial situation.