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Day: June 12, 2023

Tax Saving Strategies for Sole Proprietors

Sole proprietorships are the most basic form of business organization. They are actually an extension of the person and are taxed as such. Due to its simplicity, many business start-ups begin as this form of organization. As your business grows, there are numerous taxation benefits to setting it up as a corporation. Speaking to a […]

Divorce and Your Finances

Canadian government statistics continually show that roughly half of all marriages end in divorce. If a couple is contemplating moving forward with a divorce, it is important to carefully consider how this event will affect their overall financial situation.   Understanding how a divorce changes financial and estate plans can help reduce legal costs and […]

Are you a Retirement Savings Late Starter?

Harry and Sally both earned high incomes and liked to live the good life. They leased higher end European cars, took two-week exotic vacations almost every year, and lived in a house much larger than they truly needed. To accomplish this lifestyle, they put off retirement savings. Now in their forties, Harry and Sally are […]

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A Word From Our Clients
I had recently gone through a life insurance application with an on-line insurance organization. This process provided me with the requested coverage but on a rated basis for an un-diagnosed condition. I decide after hearing Pierre's ads on the radio that I should call and get a second opinion. Pierre has experience and it shows. He felt that the insurance company's decision for a rated policy was probably based on some incomplete information. He recommended I address this with my physician and do some additional tests before re-applying. A couple of months later, we met again and he encouraged me to now re-apply. His assessment was dead-on. My policy was approved at a standard rate. This is exactly why you want to deal with an experienced advisor like Pierre. I strongly recommend you deal with him for your needs – he can make all the difference. Thanks Pierre.
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V.K.Federal Government Employee
I already had Critical Illness coverage through the School Board. After hearing Pierre's ads on the radio, I was curious as to how I could get my premiums back if I never claimed. I am so happy I called - Pierre is a real professional. His ability to explain in simple terms an insurance contract was of tremendous value to me. He emphasized the importance of owning my policy, thus guaranteeing that my coverage can't change as time goes by. My decision was informed and made easy. As well, I now have the added security of having all my premiums reimbursed should I never claim. In today's world, you need someone like Pierre working for you - I highly recommend his services.
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A. TaillonVice President, Ottawa-Carleton District School Board
I was looking for life insurance to cover my mortgage and was happily referred to Pierre from my general insurance broker. Meeting Pierre was a comfortable process. He is extremely knowledgeable and provided much beyond a simple quote. His counsel opened my eyes to Critical Illness coverage and the absence of this protection in my portfolio. I decide to purchase a CI policy as well as the life insurance. The process was seamless and I was happy that his recommendations respected my budget. If you are a looking for a true insurance professional, I would quickly recommend Pierre. I am happy knowing I will be dealing with him for many years to come.
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Éric SavageEngineer
Pierre came highly recommended by my life insurance company. He assessed my situation for life insurance and designed a solution that would eliminate the need to pay premiums once I was retired. He also opened my eyes to the impact of a Critical Illness diagnosis. Being an aviation inspector/pilot, I spend a considerable amount of time in the cockpit assessing other pilots. Pierre was aware that this exposes me to a greater risk of cancer than the guy on the street and strongly advised I get coverage. I was convinced, but knowing I'll get all my premiums back if I don't use it is a great bonus. If you're looking for someone who knows his business and is easy to talk to, stop looking and call Pierre.
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Captain W.T.Captain W.T. Day Airline Inspector
My association with Pierre has been an eye-opener. I hadn't heard of Critical Illness coverage before and found it made perfect sense. My wife and I had other insurance, personally and through work, but nothing that does what CI does. We now know that we can better deal with the unexpected because of this protection. I strongly recommend that you Pierre for all your personal insurance needs. I know you'll like his no-pressure style and his considerable knowledge.
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Steve Warne"Three Guys on the Radio", The TEAM 1200
Our association with Pierre goes back a long way. Many of our clients are looking for life insurance and Living Benefit solutions and Pierre is our choice. His knowledge and experience are perfectly matched to our general insurance practice. We were not surprised to hear him on the radio and see his television ads – he is the real deal. If you need someone who knows his business, call him and set up a meeting. You'll be impressed by how comfortable it is to discuss insurance with such a quality person.
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Jules LandryPartner, Paul Landry Insurance Brokers Ltd.
After hearing Pierre's radio ads, I realized I needed more information. As a business owner, I have specific concerns. I already had life insurance, but I needed the additional security of some form of income protection. Pierre sat down with me and I was impressed. He surpassed my expectations as it comes to his availability and knowledge. He took the necessary time to explain and answer my questions. Key recommendations were made for both me and my wife which included disability coverage, the advertised Critical Illness and some additional life insurance. I now go forward, knowing that if something happens, important sums of cash will be there for me. If you have needs or concerns, give him a call - I'm convinced he will provide you with answers and solutions you need.
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Anthony L.Business Owner
I've been dealing with Pierre for some time now. When I started my company, I needed the security of disability coverage and life insurance. I had a young family and I needed someone who had the experience and the knowledge necessary to deal with both family and business issues. I am grateful Pierre was there for me; he did what I expected: an overview of my financial and insurance profile and made recommendations that respected my budgetary concerns at that time. As my business progressed, so did my needs. Pierre introduced my wife and me to Critical Illness coverage. It made sense that in a time of need, funds be available to get the best care possible, along with the ability to reduce financial stress. What also appealed to me was the idea of getting my money back if I didn't claim. I strongly recommend that you let Pierre help in securing your future.
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Jocelyn LortiePresident, Giguère et Lortie Inc.

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