Why choose life insurance with iA Excellence?
Who is iA Excellence?
At a time when insurance products and services are multiplying, as well as the number of companies offering such an offer, this is a very legitimate question. In 2008, Industrial Alliance, the fourth largest life and health insurance and financial services company in Canada, acquired iA Excellence, a life insurance company established in Montreal since 1962. The logical conclusion of this strategic acquisition materialized in January 2020 following the announcement by Group management of the merger of these two divisions - Industrial Alliance and iA Excellence - into a single entity, iA Financial Group.
Doing business with iA Excellence (now iA Financial Group) therefore means ensuring an unprecedented synergy between the fourth largest life and health insurance and financial services company in Canada and a major local player specialized in life insurance. It also means being able to rely on a financially solid company with a long experience in the life and health insurance and financial services industry. iA Financial Group is present in all regions of Canada and in the United States.
The expertise of iA Excellence
iA Excellence offers a wide range of life and health insurance products. Here are the main lines of this service offering:
Accident insurance: Personal accident insurance is a good complement to group and/or government insurance plans and helps you meet your financial obligations following an accident requiring a more or less long recovery period. Coverage can be provided through the payment of a lump sum or through the reimbursement of certain medical expenses and/or incurred as a result of the accident.
Disability insurance: lLike accident insurance, disability and salary insurance aims to compensate for the loss of income following an accident, but this product is more specifically aimed at medium and long-term work stoppages. Considering the great variability of subscribers' employment situations, as well as their financial obligations, iA Financial Group offers coverage options ranging from $300 to $10,000 per month.
Critical Illness Insurance: Following in the footsteps of accident and disability insurance, critical illness insurance is designed to provide you with the peace of mind and financial support you need following a diagnosis with serious implications in terms of medical expenses and your ability to return to work in the medium or longer term.
Mortgage loan insurance: This is a must for homeowners, because mortgages are very long-term commitments on which your ability to maintain control over your most important asset (for most people, anyway) depends. There are several advantages to taking out mortgage loan insurance with an insurer that is independent of the financial institution that granted you the loan. First, you will keep your insurance even if you decide to change banks during the term of your mortgage. Second, the amount of your premium is fixed, no matter how your health changes. Finally, mortgage loan insurance offered by a bank is generally more expensive than insurance purchased from an insurance company because of the convenience of having this type of financial product with the same institution.
Life insurance: This type of insurance is an important piece of the puzzle in many people's financial lives, which is why it's never too early to purchase a term or permanent life insurance policy. Such a product will allow you to meet your financial commitments in the event of a problem, cover expenses related to your death, complement the insurance already offered by your insurer, leave a tax-free inheritance to your beneficiaries, etc. The benefits of life insurance are so numerous that everyone should sit down at least once in their lifetime with a financial advisor - or do their own research - to determine which life insurance product is best suited to their specific situation.
iA Excellence: a human enterprise
In addition to its range of products and services - the majority of which are common to other insurers - iA Financial Group has a number of unique characteristics that make it an insurer of choice.
A personalized approach
iA Excellence distinguishes itself by its human philosophy and its highly personalized customer approach. The members of its team place clients at the heart of their concerns and daily activities. For example, the employees of the Customer and Partner Contact Centre make it a point of honour to never let a call go to voice mail during business hours. In addition, iA Financial Group has earned this commitment from its employees because the entity invests fully in the realization of their professional potential.
Fast and efficient processing of complaints
If there's one thing you want to be sure of when you buy life insurance, it's that your insurer will be there for you in case you're hit hard and that it will honour its end of the bargain. It's normal for a process to be set in motion in the event of a claim and for the insurance company to investigate, if necessary, but it's unacceptable for an insurer to do everything in its power to refuse to honour its policies. In the event of a claim, iA Financial Group will be there every step of the way to ensure that you receive fair treatment and compensation.
You can rest assured that iA Excellence's products are supported by a financially sound company.
Expertise
iA Excellence offers a wide range of income protection and medical insurance products. Few people can claim to have enough savings to maintain their quality of life should they become unable to work for a period of time due to an accident or illness. This is where we come in.
We're a leader in living benefits, which means we provide direct financial assistance in times of hardship. We are also experts in products with simplified issuance, i.e. without a medical examination.
Each product we create meets the specific needs of our clients and protects their lifestyle.
A personal touch
You can rest assured that you will have a listening ear at iA Excellence. Our clients are our main concern and all our activities are aimed at serving you as simply and efficiently as possible. If you call our Customer and Partner Contact Center during business hours, your call will never go to a voice mailbox.
Our ability to process claims
Our relationships with our clients are based on trust, and that trust comes from the fact that the protection you purchase will serve you when the time comes. In the event of a claim, we will be there to assist you. Simply call us and an analyst will contact you and take care of your file from start to finish. You can count on our excellent claims record.
Mission
iA Excellence's mission can be described in one word: customer satisfaction.
Determined to offer a personalized service of the highest quality, iA Excellence's mission is to provide the highest level of customer satisfaction:
- To develop insurance products adapted to the specific needs of its clients.
- To maintain close links with its distribution network, the cornerstone of its activities
- To ensure the sound management of its affairs and thus ensure its financial soundness
- To rely on its employees by helping them achieve their full professional potential.
For more information about iA Financial Group and its products and services, visit https://ia.ca/