Benefits for Employee Loyalty
Employers are increasingly seeking innovative solutions to ensure their employees’ loyalty. By joining Groupe Financier Signature, you equip yourself with the tools to provide them with the best offer available on the market, allowing you to stand out from your competitors.
Group Insurance
Group Insurance
We are by your side at every step of the process.
NEEDS ASSESSMENT
For our group insurance representatives, we conduct a thorough analysis of the current structure of the group insurance plan, existing coverage, as well as trends in utilization and claim costs over the past three years. We work closely with plan administrators, including HR and unions, to gather all relevant information and clarify objectives.
SPECIFICATIONS DOCUMENT
In the second step, we use all gathered information to develop a specifications document that reflects the needs and requirements of your client, which is then submitted to insurers. We subsequently present options that enable the client to make an informed decision before proceeding with the market analysis.
MARKET ANALYSIS
You will receive a cost analysis of the current plan and proposed options, initially on a global monthly basis for the company, and then customized by position and payroll, taking into account the employer/employee contribution split, as well as the calculation of provincial and federal taxable benefits (including codes 85/235).
In some cases, a tax analysis is conducted to assess the impact of indirect costs (e.g., QPP, CSST, etc.) under various scenarios.
IMPLEMENTATION OF THE PLAN
To ensure a smooth transition when changing insurers, our implementation department follows a rigorous procedure. We start by confirming the selected plan and arranging a meeting with the plan administrator to sign the framework proposal and begin the employee enrollment process.
We then prepare a memo to inform employees about the changes. After receiving the completed documents, we review the file and produce a deduction table per payroll.
We send the data to the insurer for record registration, receive and verify the documents, and then arrange a final meeting to hand over the documents to the plan administrator and employees if necessary.
CUSTOMER SERVICE
Our team serves as an intermediary between benefits administrators and the insurer, ensuring smooth and tailored communication. Each client receives dedicated support to build a long-term trusting relationship: administrative assistance with procedures and documents, guidance for prompt resolution of claims issues, comprehensive information on contract benefits, technical support for disability claims, and detailed analysis of provincial and federal taxable benefits.
Additionally, we provide simulations for various scenarios and customized tables for autonomous management of deductions, thereby eliminating the need for retroactive premiums when changes occur.
RENEWAL
Renewals also undergo a specific analysis to renegotiate and secure administration fees, reserves, and credibility.
Upon receiving the insurer’s renewal terms, our dedicated analyst reviews and negotiates these conditions before producing a renewal report for the advisor to present to their client. We use an exclusive evaluation model to ensure competitive terms while maintaining long-term cost stability, including an examination of plan usage, most prescribed medications, and the creation of a “Personalized Health Profile.” The renewal report includes an analysis of costs, current coverage, statistics, and a tool for measuring long-term results. We also prepare bilingual memos or presentations to facilitate communication with employees. A semi-annual analysis is conducted to adjust the renewal and correct any necessary parameters.
Finally, we request an experience report from the insurer, create a renewal simulation, and present it to the client for an informed evaluation.
OFFER
SIMPLY THE BEST
SIMPLY THE BEST
Join us to access a wholesale sales platform specifically designed for brokers and enjoy exclusive services.
By joining our network, you expand your service offerings and enhance client satisfaction.
Group Insurance Institutions We Work With
ACHIEVE YOUR GOALS FASTER WITH GFS
We know that motivation makes all the difference!
REWARD TRIPS
Discover our reward trips for top representatives—a way to celebrate excellence with style and distinction!
SUMMER CONTESTS
Take advantage of our summer contests program at GFS. Win fantastic prizes while adding a touch of fun and competition to your summer!
MENTORING
Our mentoring programs provide you with the expertise and experience to develop your skills and achieve your professional goals with confidence!
Collective Pensions
Collective Pensions
With Groupe Financier Signature, give your clients the opportunity to offer their employees a low-cost savings solution to build their retirement fund. Depending on the size of the company, the needs, and the goals of your client, we assist you in finding the option to reduce their administrative tasks and offer the desired flexibility among different retirement savings plans.
NEEDS ASSESSMENT
Financial, legal, administrative, and tax aspects are analyzed to select the plans that best meet your clients’ specific needs. Depending on the objectives and industry type, we configure the contributions and parameters of the plan, including (or excluding) an employer contribution to the plan.
RESQUEST FOR PROPOSAL
We prepare the specifications and analyze the bids from the top providers based on their management and administration services, service standards, communication tools, available investment options, and financial stability. A comparative analysis is then provided to help your client evaluate the costs and service agreements proposed.
IMPLEMENTATION OF THE PLAN
For effective ongoing management, we prepare the implementation process and train administrators to facilitate regime management and ensure a seamless transition.
At your client’s request, we can organize information sessions or implementation seminars for employees.
CUSTOMER SERVICE
We implement effective communication methods to inform employees and facilitate the administrator’s work. For managers, we ensure the sharing of best practices to promote effective pension plan management and organize annual information meetings with employees. Please note that all our tools are available in both English and French.
FOLLOW-UP
We conduct periodic revalidation of investment management fees based on asset evolution and provide guidance on the overall administration of the plan. Additionally, we perform regular market studies to reassess management fees and ensure that the current provider continues to meet your requirements.
Multiply your advantages with the diversification of pension plans at your disposal.
RRSP
PRPP
SIPP
Collective CELI
VRSP
...with or without employer contribution
We only work with
the best annuity plan providers
by experience.
Proud to Partener with SEGIC
The SEGIC platform, offered by Groupe Financier Signature, is a powerful tool that simplifies and optimizes group insurance and annuity management for brokers. With SEGIC, you have access to clear, up-to-date information, enabling you to serve your customers more effectively and efficiently. This intuitive platform centralizes all your operations, giving you total control and an overview of your portfolios, facilitating informed decision-making and improving your day-to-day productivity.
- Autoadhesion
- Segic portal
- Claims management
- Administration
- Marketplace benefits
- Third-party integration
Forge Your Future with GFS
Your independence at GFS is valuable: you have the freedom to develop your own methods while benefiting from a structured framework that supports your success.
Increase Your Income
By joining GFS, you will fully leverage the potential of the GFS Advantage, our comprehensive service offering in exempt market, personal insurance, mortgages, group insurance and pensions, real estate brokerage, and leasing.
Professional Network
Join a dynamic community of professionals who share the same values and ambitions. Benefit from numerous networking and professional development opportunities, enhancing your relationships and skills in a collaborative environment.
Continuing Education
Participate in regular training programs to stay at the forefront of best practices and market trends. Our courses are designed to provide you with the knowledge and skills needed to excel in a constantly evolving industry.
Support Expertise
Benefit from personalized support from our experienced team to streamline your contract processes and optimize your efficiency. Our assistance is designed to help you focus on what truly matters: your clients and your goals.
DAILY TRAINING
From motivation and personal growth to prospecting, taxation, advanced strategies, mortgages, group insurance, leasing, and real estate brokerage, we offer enriching sessions to help you excel in every aspect of your profession.
DISCUSSION GROUP
Join our private discussion group at Groupe Financier Signature, where answers to your questions are quick and precise, thanks to our dedicated team and experienced advisors. Let's collaborate for effective solutions and immediate assistance.
LUNCH & LEARN
Join us for our Lunch & Learn sessions at Groupe Financier Signature, where we blend learning with a delicious meal. Participate to gain valuable insights and enhance your skills, all in a friendly and enriching atmosphere.
Increase Your Income
Take advantage of our exceptional ability to forge strategic partnerships.
Exempt Market
Personal Insurance
Mortgages
Group Insurance Pensions
Real Estate Brokerage
Leasing
Financial Planning
Taxation
Exempt market
All-included Client Management Platform
Maximize the benefits of your client portfolio with the ultimate tool that helps our broker partners better organize their communications with clients, thereby increasing their efficiency and business performance.
This platform integrates all the features you need.
Add your example to our honors board
Louis-Xavier approached me to inform me that he was the president of a firm offering financial services, insurance, and mortgage investment services. It was a model that was out of the ordinary, something new. I didn’t think twice, I jumped in, and since then, the impact Louis-Xavier has had on my career is immeasurable. Anyone who approached me, whether institutions, representatives, or certain clients, knew that I was working with Louis-Xavier, and for me, it was a source of pride. For them, it meant trust was on their side. So, it definitely made my journey easier, and Louis provided me with the necessary tools to educate myself and teach others about financial services, which, in short, propelled my career. Thank you, Louis.
I am truly very grateful to him. He connected me with people who share the same values as I do. He gave me opportunities and training. I thought I would be left to figure things out on my own a bit, but no, even though we are autonomous, we are very well supported. We have a great team in place to answer our questions and help us through the transition. If you're thinking about becoming an independent advisor, I highly recommend joining our team. You won’t be alone, you’ll have training, follow-ups, and a great team behind you.
I met Louis-Xavier about 4 years ago, and I quickly realized that he is someone with an enormous amount of integrity. When he says something, he follows through. Having been with several different organizations before joining Louis-Xavier, I quickly understood that when he gave his word and said something, we saw the results afterward. So, these weren’t empty promises or false hopes; it was truly real, and that’s something very authentic and very valuable. He’s someone who has allowed me to grow both personally and professionally. He’s someone who’s given me many opportunities, and I quickly understood that surrounding myself with people like Louis-Xavier and his team, keeping in touch with him daily, weekly, or monthly, would be beneficial. We are the sum of the five people we spend the most time with, and Louis-Xavier is one of those five.
We’ve been working together as a team for a few months now, and from the very beginning, we applied 100% of Louis-Xavier's recommendations because we saw his journey and the results he was able to achieve quickly in his young career as an advisor. We knew we were in the right place as soon as we saw the results coming in and they came quickly for us. So, if you're hesitating to make the move and join Louis-Xavier’s organization or one of his team members, don’t hesitate for a second and take the leap. I’m grateful for the impact it’s had on us, our team, and my family. So if you have any questions, don’t hesitate, you're in good hands.
Louis-Xavier is my mentor, and he has had an enormous impact on my life, even to this day. A few years ago, he gave me the opportunity to enter the brokerage field with no prior experience. I started as an investment assistant at Groupe Financier Signature, which allowed me to understand how the forms worked and how the different companies operated. I asked Louis-Xavier a lot of questions, and he always took the time to answer. He guided me every step of the way to get me to where I am today. He really dedicated his time to training me, and I think very few people in the industry would do what Louis-Xavier has done. Thanks to him, I was able to take my courses in investments and insurance. Even today, I still have many questions, and 90% of the time, I have an answer from Louis-Xavier within an hour. He’s very generous with his time, always helping others, and for the rest of the time, the answers come quickly. For that, I will be eternally grateful.
I’ve been an advisor since 2010, and I joined Louis-Xavier’s team in 2020. Thanks to his training, I’ve learned more in 4 years than I did in 10 years. So, this just goes to show how valuable all the training, support, and knowledge Louis-Xavier offers are, and he doesn't hesitate to share it. As a result, when we meet with clients, we are much more competent, and clients trust us much more with their finances. This allows us to implement more strategies to help them, which has led to an increase in my income. My only regret is not having met Louis-Xavier back in 2010. My "book" would be much higher, but honestly, the "book" I’ve built in 1 year is much greater than what I built in 10 years. So this just shows how powerful the impact behind it really is.
In my opinion, the big difference with Groupe Financier Signature is our weekly meetings on motivation, prospecting techniques, and advanced concepts in insurance and investments. These meetings have taught me to understand and master different concepts, which in turn allows me to break down the complexities of these strategies. Often, these concepts help optimize the client’s business taxes and enhance their wealth or retirement plans. For me, that alone was a game changer. What I also like is that with GFS, we don’t feel like just a number. We really contribute to the growth of the MGA, which in turn benefits everyone. Additionally, when we have ideas, Louis-Xavier is always listening and is very open to implementing the ideas we bring forward. I find that very enriching. I could talk about it for a long time, but to keep it short, I highly recommend GFS to all advisors who want more than just the standard services of an MGA and are ready to take their careers to the next level.
