We work with you to analyze your family and matrimonial situation. We identify your objectives and evaluate current and anticipated problems, taking into account the legal aspects of your personal and family environment.

When it comes to insurance, Planico coordinates all the parties involved to make your life easier.

This protection mechanism enables you to ensure the same quality of life for yourself or your loved ones, by providing liquidity in the event of premature death.

It’s important to note that there are several types of life insurance, including term life insurance and permanent life insurance (whole life insurance, participating life insurance and universal life insurance). Each has its own function. Depending on your objectives, you may need more than one type of insurance. Let us guide you to find the one that’s right for you.

Term life insurance is low-cost compared to permanent life insurance. The latter is mainly used to cover large amounts of life insurance that is usually for a shorter term, such as: a mortgage, a personal loan or to protect the continuity of your family’s income in the event of premature death.

You can generally choose between fixed or decreasing life insurance at 50% of the chosen initial amount. The latter option reduces the cost of coverage, since the amount of insurance decreases over time.

The term of protection you can choose on a term life insurance policy can vary from 10 years to 40 years. How does term life insurance work? Assuming a term of 10 years, at the end of the contract you’ll generally have 3 options:

• Convert your policy to permanent life insurance;
• Use the right to renew the contract at a pre-determined price;
• If you’re still in good health, you can return to the market and take out a new policy at a lower cost than the pre-established benefits of your term life insurance policy.

There are 3 main types of permanent life insurance: participating life insurance, universal life insurance and whole life insurance. Each of these types of coverage has its own strategy, such as leaving an inheritance to children, diversifying retirement funds, paying taxes at death or establishing a retirement strategy with assets held in an incorporation.

Let us get to know you so that we can offer you interesting permanent life insurance strategies.

An unexpected injury or serious illness can leave you unable to carry out your daily activities or work. Such a situation is bound to affect your ability to earn an income.

As a financial planner, our role is to enable you to continue living with peace of mind, even in the event of disability or accident. A range of products and services are available to compensate for this lack of liquidity when you are unable to work. Our proposals take into account your objectives and the budget you wish to allocate.

How does this financial optimization solution work?

Disability insurance is the solution that will enable you to meet all your obligations even in the event of incapacity. You can choose a waiting period (the period of time before the insurance is paid out), from 0 days to 1 year. You can also select the number of years of coverage following disability (2 years, 5 years or up to age 65). There are a multitude of other options for your coverage. Our financial planning services are there to advise you.

Your state of health, your job, your smoking status, your age, the waiting period and the length of time you’ll have to pay for a disability are all factors that will determine the price of disability insurance. We are equipped to help you make the best choice.

Depending on your needs, our financial planning firm can also offer you critical illness insurance as a financial optimization solution.

With this type of insurance, you’ll be covered if you suffer from one of the 25 critical illnesses described in the contract.

You can also obtain a refund of the premiums you have already paid.

Shared-ownership critical illness insurance

This financial strategy is designed to meet the needs of the company and its shareholders (or executives). It provides for the sharing and ownership of a critical illness insurance policy. It also offers different advantages for each of the parties involved.