GROUP INSURANCE &
ANNUITY

Surround yourself by excellence

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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