We have a wide range of products and solutions (some of which are proprietary) available to suit your needs. Properly structured, they will ensure your financial security, the security of your family and your associates.
Gain control of your financial future!
Protect your personal finances and understand the risks that are related to your health. Make sure you have the proper estate plan!
We answer the needs of high net worth individuals, business owners, executives, and professionals. We put our creativity and expertise to work to provide unique solutions, and properly structured insurance portfolios for our clients.
We provide tailor-made solutions, often innovative, to reduce your exposure to risk, and create interesting financial opportunities.
Insure the future of your business while protecting your key personnel!
Retain and motivate your human capital and minimize your risk!
Group Benefits
We guide small and medium sized business through the efficient management of employee benefits and the protection you provide your employees.
Integrated Solutions for Associates and Executives
We help you develop a benefit plan related to remuneration in order to attract and retain key employees in your organization.
Integrated Solutions for Your International Employees
We help you offer your international employees, whether they work at home or abroad, or if new to Canada; protection that is well balanced and efficient while taking into account the regulations in place in the countries concerned.
Risk Mitigation for the Companies
We help you anticipate the need to access liquidities when a key employee is in need of their retirement income or disability income, in case of sudden death, departure from the company or the transfer of their estate.
Exclusive Medical Solutions
We offer an exclusive protection, triAcess™ which provides access to care, treatment and funding at leading centers of excellence in the US.
We respect your philosophy and your culture and propose insurance programs that are aligned with your business plan and advantageous to you.
We have put in place a unique consulting approach with exclusive solutions in order to identify and respond to each company's specific needs.
We take the time to get to know both you and your company, to analyze your objectives and to establish your financial needs. We ask questions to develop an in depth understanding of your core values and priorities while evaluating your risks. We evaluate the efficiency of the protection already in place and identify the possibilities for improvement.
Our reputation of excellence extends to our business relations which have been developed to best serve you.
We are proud to be associated with PPI Financial Group. PPI is a consulting organization that offers a large array of financial and insurance products for both individuals and companies.
We have also chosen to work with the Asinta Group; a network of international actuaries and consultants offering employee benefits.
We take your individual and corporate success to heart. We want to earn your trust and win your business.
For 30 years, M Bacal Group has assembled a group of consultants specialized in the protection of human capital.
The group's founder, Mike Bacal, was an experienced C.A. who provided his clients with financial security by combining appropriate strategies with quality resources. Upon his death, his spouse Monette Malewski took over the company. Under her leadership, the Company has grown and developed while remaining loyal to the principles of its founder.
In 1998, Lianne Ulin joined the business to ensure the succession, and in 2005 Philip Malewski joined to develop and grow the corporate insurance market.
