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 yourself to our honours list
With a keen interest in Environmental, Social, and Governance (ESG) investing, William went on to earn his Canadian Securities Course license, in addition to his Bachelor's degree in International Business from Concordia University, in order to become a financial advisor. William chose to join Signature Financial Group where his intrinsic desire to work as part of a team is structured, organized and valued. What's more, this association gives us access to a vast range of financial products in the fields of investments, insurance and mortgages, much to the delight of our customers.
Bill Badran is a recognized financial planner and an active member of the Institut Québécois de la Planification Financière (IQPF). Working with Bill is like having your own personal Chief Financial Officer (CFO). His decision to join Signature Financial Group was based on the company's dazzling growth and its ambitious team, who share his values of knowledge sharing and personalized expertise.
Pierre Chin is an industry-recognized financial security advisor. His impressive career began with a string of awards at a leading insurance company, which he left to set up his own firm in 2019. With an ability to anticipate economic fluctuations, Pierre is enthusiastic about the direction Signature Financial Group is taking, happy to be part of a collaborative vision that will revolutionize the financial world.
With a bachelor's degree in Finance, Pierre-Sébastien has extensive experience in identifying opportunities for improvement in areas such as taxation, inheritance, investments, budgeting and, of course, personal insurance. Pierre-Sébastien is known for his outspokenness and expertise. It always amazes me that some people mistakenly believe they are "uninsurable". "Working with Signature Financial Group increases the financial products available to me tenfold. There are often alternatives and they are accessible." With the GFS Advantage, Pierre-Sébastien is happy to meet his customers' other needs in terms of property insurance, mortgages, investments and group insurance.
Financial security advisor and mutual fund representative, Sylvain Pouliot is nicknamed "the biblical reference" by his customers and colleagues, who appreciate him for his little "geek" side. Sylvain's expertise is in great demand. His unwavering passion drives him to explore every facet of the financial solutions he offers. It was this devotion that led him to join Signature Financial Group, where he found a range of options to offer his customers that would enable him to find the insurance product that best suited each individual's situation.
