Insurance and Financial Protection
At Rostan Financial Group, we understand that financial security is essential to protect your future and that of your loved ones. Whether you’re an individual, a professional, or an entrepreneur, having a comprehensive insurance strategy tailored to your situation is crucial. Our solutions provide a wide range of protections designed to secure your wealth, income, assets, and business against life’s uncertainties.
We offer a personalized and proactive approach, guiding you in selecting the best coverage options to ensure your peace of mind and the long-term success of your financial plans.
Our Process in Insurance and Financial Protection
Personalized Analysis of Your Situation
Before making any recommendations, we conduct a comprehensive assessment of your financial situation, obligations, and needs. This step allows us to identify potential risks and determine the necessary insurance coverage to provide you with optimal protection. We take into account your professional status, financial structure, and family responsibilities to offer tailored solutions that align with your specific reality.
Selection of Appropriate Insurance
We assist you in choosing the most relevant coverage from the various types of insurance available in Quebec to ensure your financial security:
Personal Insurance (Protection for your family and income)
- Life Insurance: Protects your loved ones in the event of death by providing a lump sum to ensure their financial stability.
- Critical Illness Insurance: Provides financial support if you are diagnosed with a critical illness (cancer, stroke, heart attack, etc.), helping to cover medical expenses and compensate for income loss.
- Disability Insurance: Replaces a portion of your income if you are temporarily or permanently unable to work due to illness or accident.
- Long-Term Care Insurance: Covers the cost of home care or nursing home care if you lose your autonomy.
Insurance for Entrepreneurs and Self-Employed Individuals (Protection for your business and financial commitments)
- General Expenses Insurance: Covers your business’s fixed expenses (rent, salaries, utilities) in case you are unable to work due to illness or accident.
- Disability Insurance for Self-Employed Individuals: Compensates for income loss for independent workers who do not have access to group insurance plans.
- Key Person Insurance: Protects a business from financial loss caused by the absence of a key executive or strategic employee due to death or disability.
- Partnership or Shareholders Agreement Insurance: Ensures the continuity of a business in the event of a partner’s death or disability by facilitating the buyout of their shares by the remaining members.
Insurance for the Protection of Your Assets and Daily Life (Securing your assets and lifestyle)
- Mortgage and Credit Insurance: Ensures the repayment of your loans in the event of death, disability, or critical illness.
- Car Insurance: Protects your vehicle and covers you in case of accidents, theft, or property damage.
- Home Insurance: Covers your primary or secondary residence against damages (fire, theft, water damage, etc.).
- Travel Insurance: Covers emergency medical expenses, trip cancellations, or interruptions while traveling abroad.
- Personal Liability Insurance: Protects you against bodily injury or property damage you may unintentionally cause to others.
Setting Up Your Insurance Coverage
Once the appropriate protections are selected, we ensure that the chosen coverage aligns with your actual needs and budget. We work with the leading insurers in Quebec to offer you competitive and tailored solutions with optimal conditions. We ensure that every aspect of your protection is well-structured and consistent with your wealth management goals.
Regular Monitoring and Adjustments
Your situation evolves over time: career changes, real estate purchases, the birth of a child, business expansion, and more. We provide diligent follow-up and periodic adjustments to ensure that your insurance coverage remains optimal. We also stand by your side in the event of a claim, loss, or changes to your needs.
Our Partners
Why Choose Rostan Financial Group?
We take a comprehensive and independent approach, allowing you to access the best insurance options without being limited to a single provider. Unlike standardized solutions, we thoroughly analyze your situation to offer the most beneficial protections tailored to your financial reality.
- Independent and Objective Advice: We select from a wide range of insurers to find the best coverage for you.
- Tailored Protection Strategy: Our recommendations consider your personal, professional, and wealth situation.
- Long-Term Support: We guide you every step of the way to ensure continuous and evolving protection.