Tariq Belgada

About me

For over a decade now, I have served my iA Financial Group clients with passion and integrity.

I offer the following products: life insurance, critical illness insurance, mortgage insurance, disability insurance (salary and credit), accident insurance and travel insurance. I also offer savings services.

can advise you on investment products such as RRSPs, RRIFs, TFSAs and RESPs. My MBA and professional experience enable me to adapt to my clients' needs and respect their budgets. In keeping with my values and principles, I make myself available to my clients, even outside working hours.

My goal is to ensure complete client satisfaction through personalized follow-ups. Studies in Canada have shown that those who have a financial security advisor are more financially successful. I look forward to meeting you and fulfilling your needs!

I'd now like to share an interesting example that concerns many people: here are some of the advantages and benefits of mortgage life insurance that I can offer my clients who are buying a home or building. Mortgage life insurance is used to pay the balance of the mortgage in the event of your death. Your heirs will then have a mortgage-free home or building.

When you deal with your financial security advisor (private life insurance), who is trained and licensed by the Autorité des marchés financiers, you'll benefit from the best advice from a specialist in the field. When dealing with a bank, in most cases a clerk sells what's known as bank loan insurance. Unlike bank lenders, who insure you in a way that's accessible and easy to take out, with us, a medical check of your health before granting you a policy is paramount.

With lending institutions, if you were uninsurable at the time of signing, they will only investigate after your death. With my private insurance, you're covered even if your condition deteriorates over the years of the policy's coverage. Depending on your age group and state of health, our private insurance often costs less than those offered by financial institutions (please see Ghislain Larochelle's article in the Journal de Montréal, February 22, 2016).

Another opportunity for you is that you won't be dependent on a particular bank, you can change your mortgage with another financial institution that offers a better interest rate while keeping our private insurance. With us, the death benefit can remain fixed (uniform, for example, $400,000 coverage over 25 years, with nothing changing during that period, neither the death benefit nor the premium. If a death occurs, and the balance is $30,000, we pay out $400,000 according to our table). And with us, protection decreases up to 50%. For example, if you take out $400,000 over 25 years, this capital decreases to $200,000, then stabilizes at $200,000. For example, if you die after this period with a mortgage balance of $30,000, our insurance will pay out $200,000 according to our table. In both cases, the financial institution (e.g., the bank) will pay only the balance of the mortgage, or $30,000 in this case. Private insurance is convertible for life (100 years) without medical examination. It's an acquired right. The policy is inherited.

As a certified professional with the Autorité des marchés financiers, I encourage you to confirm the validity of my AMF certification