Savings form the basis of all good financial planning. Every amount you save helps you reach your financial objectives—maintaining your current standard of living during your retirement, acquiring a financial cushion to meet contingencies, providing a good education to your children, or simply fulfilling your dreams and carrying out your favourite projects.
With your objectives in mind, we offer you flexible products adapted to your needs that includes a range of retirement savings plans, education savings plans, non-registered savings plans, retirement income plans, etc. These products allow you to invest your savings and obtain a high degree of financial security.
Retirement Savings Plans
Retirement savings plans ensure that you have a comfortable retirement while reducing your taxable income. At Industrial Alliance, we offer a flexible registered retirement savings plan (RRSP). We also offer a locked-in retirement account (LIRA) to persons who have changed employers and wish to transfer amounts accumulated in their pension funds.
Tax-Free Savings Account (TFSA)
The Tax-Free Savings Account (TFSA) is a unique tax-free savings program (non-RRSP). Any earnings generated (interest, capital gains or dividends) in the TFSA, as well as sums withdrawn, are not taxable.
Education Savings Plans
Build up a tax-sheltered fund to finance a child’s post-secondary education. A registered education savings plan (RESP) is the ideal financial vehicle to help you defray mounting education costs.
Non-Registered Savings Plans
Non-registered savings plans allow you to accumulate savings to carry out your plans or increase your retirement income.
Retirement Income Plans
You are a young retiree? We offer several types of plans to help you manage the savings you accumulated throughout your working life. These plans are designed to meet your new financial needs and help you make the most of your retirement.
Your Retirement Income Requirements (calculator)
Your Investor Profile
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Life Insurance Products I Offer
Life Insurance
Life insurance is essential to all good planning—whether it be to protect your family against a sudden loss of income, insure a key company employee or plan your estate. We have developed a variety of products to meet your specific needs and your financial situation.
Universal Life Insurance
Obtain life insurance coverage and accumulate additional tax-sheltered sums.
Adapt your financial program to your changing needs.
Term Insurance
Enjoy affordable financial security for a defined period.
10 years, 15 years, 20 years, 30 years or 100 years
Permanent Life Insurance
Obtain enhanced financial protection with guaranteed cash surrender values and guaranteed premiums.
Life insurance is essential to all good planning—whether it be to protect your family against a sudden loss of income, insure a key company employee or plan your estate. We have developed a variety of products to meet your specific needs and your financial situation.
Universal Life Insurance
Obtain life insurance coverage and accumulate additional tax-sheltered sums.
Adapt your financial program to your changing needs.
Term Insurance
Enjoy affordable financial security for a defined period.
10 years, 15 years, 20 years, 30 years or 100 years
Permanent Life Insurance
Obtain enhanced financial protection with guaranteed cash surrender values and guaranteed premiums.
Critical Illness Insurance Plans I Offer
Critical Illness Insurance provides you with a lump sum payment after a critical illness is diagnosed. As a result, you can devote 100% of your energies to your recovery, without worrying about the financial impacts of the illness.
Who Should Consider Critical Illness Insurance?
Anyone who wishes to be protected against financial concerns resulting from a critical illness:
-persons who would like to obtain specific medical treatments;
-parents who would have to temporarily leave their jobs to devote themselves to the recovery of their child;
-persons who would like to have home nursing care or to go on a trip to assist in their recovery;
-business owners or self-employed workers who would have to compensate for the loss of productivity or clients after an illness.
Features and Advantages of Owning a Critical Illness Plan
You obtain a tax-free lump sum payment after a diagnosis of a critical illness. This payment may be used in any way you wish, without restriction.
Your premiums and protections are guaranteed renewable every 10 years or level up to the age of 75 years or for your lifetime. Depending on your product choice.
You can obtain protection of between $10,000 and $2 million.
You may be reimbursed all premiums in the event of the insured's death if the insured was not entitled to payment of the Critical Illness benefit.
You may surrender your insurance and obtain a refund of your premiums.*
Additional benefits are available.
You may insure up to nine persons under the same contract.
*Certain conditions apply.
Who Should Consider Critical Illness Insurance?
Anyone who wishes to be protected against financial concerns resulting from a critical illness:
-persons who would like to obtain specific medical treatments;
-parents who would have to temporarily leave their jobs to devote themselves to the recovery of their child;
-persons who would like to have home nursing care or to go on a trip to assist in their recovery;
-business owners or self-employed workers who would have to compensate for the loss of productivity or clients after an illness.
Features and Advantages of Owning a Critical Illness Plan
You obtain a tax-free lump sum payment after a diagnosis of a critical illness. This payment may be used in any way you wish, without restriction.
Your premiums and protections are guaranteed renewable every 10 years or level up to the age of 75 years or for your lifetime. Depending on your product choice.
You can obtain protection of between $10,000 and $2 million.
You may be reimbursed all premiums in the event of the insured's death if the insured was not entitled to payment of the Critical Illness benefit.
You may surrender your insurance and obtain a refund of your premiums.*
Additional benefits are available.
You may insure up to nine persons under the same contract.
*Certain conditions apply.
Health Insurance Plans I Offer
Flexcare® & FollowMe™
If you are not covered by a group health plan or not satisfied with the health coverage you have today, the Flexcare® health and dental plan may be the answer for you.
Flexcare is designed to fill the gaps left in your government health insurance plan. Whether your focus is prescription drugs, dental care, or a combination of both, Flexcare offers a selection of health plans and levels of coverage from which you can choose: DrugPlus™, DentalPlus™ and ComboPlus™.
Worried about losing your group health and dental benefits? Concerned about the many medical expenses you’ll have to start paying for out-of-pocket because of the increasing gaps in your provincial health insurance coverage?
The FollowMe™ health and dental plan can give you that security. With four different levels of affordable health insurance coverage to choose from, you’re certain to find the plan that meets your specific needs and budget.