Our Insurance Planning Services
We believe customizing your insurance plan, whether for professional or personal needs, is more than just ticking boxes. We dive deep to find innovative and unique solutions that best fit you and your unique situation, reducing your risks and unlocking exciting financial opportunities both now and in the future.
The “one size fits all” approach to employee benefits is outdated. That’s why we design flexible, innovative plans that address the diverse physical, mental, and financial well-being needs of Canada’s multigenerational workforce while aligning with your business’s financial goals.
A charitable giving strategy allows you to turn your tax dollars into a force for good, creating a lasting legacy in Montreal and beyond, inspiring future generations, with tailored support from M Bacal Group.
Critical illness insurance provides a tax-free lump sum payment to help maintain your standard of living and focus on recovery if diagnosed with a serious illness, ensuring financial stability for you and your family. Our advisors can tailor a plan to meet your unique needs.
Life insurance is a crucial part of a savvy business owner’s financial strategy, offering tax-efficient, cost-effective benefits that protect your business, family, and legacy, while also enabling significant charitable contributions and providing peace of mind for the future.
As your Family Enterprise Advisor (FEA), we ask the right questions to help you decide whether to grow the family business, pass it on, or sell it altogether, ensuring you make the best choice for your future.
Key person insurance is business-owned coverage that pays your company if a crucial leader dies or is disabled. We help identify who’s “key,” right-size the policy, handle underwriting, and provide ongoing reviews and hands-on support.
Protect Your Key People Today
Our comprehensive estate planning services help you protect your wealth, care for your loved ones, and support cherished causes through tailored, forward-thinking strategies, addressing unique needs and navigating tax implications to secure your legacy and ensure a prosperous future.
Disability insurance acts as a safety net for your paycheque if you can't work due to injury, illness, or mental health issues. Our advisors provide personalized guidance to ensure you have the right financial support in place.
A thorough review of your Shareholder or Partnership Agreement, including funding options for death, disability, and critical illness, is essential to ensure it's up-to-date, properly funded, and structured to minimize taxes and secure the future of your business, especially in succession planning.
Our Approach to Insurance Planning
With our expertise, proprietary tools, and comprehensive knowledge of your options, we provide a personalized, caring approach to insurance planning and protecting human capital. Together, we can secure a bright and prosperous future for you and your loved ones.
A fresh take on insurance and financial planning
We love supporting the financial success of strong families and their businesses in Montreal, Quebec, and across Canada. Whether we’re offering advice on life insurance, estate planning, employee benefits or charitable giving, we always prioritize our clients' interests and well-being, building long-term relationships that stand the test of time.
Adapting for a bright future
We strive to be adaptable, accountable, and empowering. This approach helps you see how insurance can provide financial sustainability in a completely new way.
Wide range of insurance solutions
We offer one of Canada’s broadest ranges of insurance products, tailored to meet both corporate and individual needs. Our creative, customized solutions are designed for every situation.