iA Financial Group

Products & Services

• Pick-A-Term

  Pick-A-Term is a term life insurance product from iA Financial Group that provides flexible and affordable financial protection for individuals, families, homeowners and business owners. The policy allows clients to choose any coverage term from 10 to 40 years, making it easy to align protection with financial commitments such as a mortgage, raising children or business obligations. One of its most distinctive advantages is the ability to select a customized term length rather than being limited to standard 10-, 20- or 30-year options, while also offering guaranteed premiums, annual renewal and conversion to permanent life insurance without medical evidence. Coverage amounts range from $25,000 to $20,000,000, and a wide range of optional riders are available to enhance protection. Coverage, eligibility and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Access Life

  Access Life is a simplified issue permanent life insurance product from iA Financial Group that provides lifelong coverage without requiring a medical examination. Designed for individuals who want fast and straightforward access to permanent life insurance, the policy offers guaranteed protection with a simplified application process based on health questions. One of its most distinctive advantages is the ability to obtain permanent life insurance quickly without medical tests while maintaining fixed premiums and lifetime coverage. Coverage can help protect loved ones, cover final expenses, leave a financial legacy, or support estate planning. Several optional riders are available to customize protection according to individual needs. Coverage, eligibility, benefit amounts and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• iA PAR

  Permanent life insurance offering lifelong protection, guaranteed cash value growth, and long-term financial seiA PAR is a participating whole life insurance product from iA Financial Group that provides lifelong protection while offering the opportunity to earn policy dividends. In addition to a guaranteed death benefit, the policy builds guaranteed cash values over time, making it suitable for long-term financial planning, estate preservation and wealth transfer. One of its most distinctive advantages is the combination of guaranteed lifetime coverage, annual dividend eligibility and growing cash value that can enhance the policy's long-term financial potential. Policyowners can choose from several dividend options to align the policy with their financial objectives. Coverage, dividends, cash values and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.curity.

• Universal Life

  Universal Life Insurance is a permanent life insurance product from iA Financial Group that combines lifelong insurance protection with tax-advantaged investment opportunities within a single policy. Clients can choose from flexible premium payment options and a variety of investment accounts to help grow the policy's cash value while maintaining life insurance coverage. One of its most distinctive advantages is the flexibility to adjust premiums and investment allocations over time, allowing the policy to adapt to changing financial goals while building tax-efficient wealth. This solution is well suited for individuals, families and business owners seeking long-term protection alongside estate and financial planning strategies. Coverage, investment performance, cash values and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Whole Life Insurance

  Whole Life Insurance is a permanent life insurance product from iA Financial Group that provides guaranteed lifetime protection while building guaranteed cash value over time. The policy is designed for individuals, families and business owners seeking long-term financial security, estate preservation and wealth transfer. One of its most distinctive advantages is the combination of guaranteed lifetime coverage, fixed premiums and guaranteed cash value growth, providing financial stability regardless of market conditions. Clients can choose from different payment options to suit their financial objectives while ensuring lasting protection for their beneficiaries. Coverage, cash values, eligibility and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Transition – 25 Illnesses

  Transition – 25 Illnesses is a critical illness insurance product from iA Financial Group that provides a tax-free lump-sum benefit if the insured is diagnosed with one of the covered critical illnesses and satisfies the policy conditions. The benefit can be used for medical expenses, income replacement, debt repayment, home modifications or any other financial need during recovery. One of its most distinctive advantages is its comprehensive coverage for 25 covered critical illnesses, along with flexible plan options and optional Return of Premium benefits. The policy is designed to help individuals and families maintain financial stability while focusing on recovery. Coverage, eligibility, benefit amounts and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Transition – 4 Illnesses

  Transition – 4 Illnesses is a critical illness insurance product from iA Financial Group that provides a tax-free lump-sum benefit upon the diagnosis of one of four covered critical illnesses, subject to the policy terms and survival period. The benefit can be used for any purpose, including medical expenses, mortgage payments, income replacement or everyday living costs during recovery. One of its most distinctive advantages is its affordable premium while still providing financial protection against Canada's most common critical illnesses. The product is designed for individuals seeking essential critical illness coverage at a lower cost without compromising financial flexibility. Coverage, eligibility, benefit amounts and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Cancer Guard

  Cancer Guard is a cancer insurance product from iA Financial Group that provides a tax-free lump-sum benefit if the insured is diagnosed with a covered cancer and meets the policy requirements. The benefit can be used for any purpose, including medical expenses, travel for treatment, income replacement, household expenses or other financial needs during recovery. One of its most distinctive advantages is that it focuses specifically on cancer protection, offering an affordable way to obtain financial support for one of the most common serious illnesses. The policy is designed for individuals seeking targeted protection without purchasing broader critical illness coverage. Coverage, eligibility, benefit amounts and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Kiddy Plan

  Kiddy Plan (Free) is a complimentary child life insurance program from iA Financial Group that provides eligible newborns with $10,000 of free life insurance coverage at no cost to their parents. The coverage helps protect a child's insurability from an early age and gives families the opportunity to secure permanent life insurance without paying premiums for the initial coverage amount. One of its most distinctive advantages is that there is no premium to pay for the basic coverage, allowing parents to obtain free life insurance protection for their newborn while preserving future insurance options. Additional coverage may be available through optional upgrades. Eligibility, coverage amounts and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Acci-Jet Program

  Acci-Jet Program is a simplified issue disability income insurance solution from iA Financial Group designed to replace income if you become disabled due to an accident or covered injury. It is especially suitable for manual labourers, active workers, self-employed individuals and business owners who may have difficulty qualifying for traditional disability insurance. One of its most distinctive advantages is simplified underwriting with no medical examination required, while still providing monthly tax-free disability benefits of up to $6,000 and flexible coverage options. Optional benefits for illness, partial disability, business overhead expenses and additional accident-related protection are also available. Coverage, eligibility, benefit amounts and optional features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Acci 7 PLUS

  Acci 7 PLUS is a guaranteed issue, customizable accident insurance solution from iA Financial Group that allows you to build accident protection based on your personal needs. Instead of purchasing a fixed package, you can choose from five independent coverages, starting at $7 per month per coverage unit, and combine them as needed. Depending on the coverages selected, the policy may provide monthly disability benefits, lump-sum payments for accidental injuries, reimbursement of eligible medical expenses or daily hospital benefits. Its most distinctive advantage is the flexibility to customize accident protection without a medical exam while paying only for the coverages you need. Coverage, eligibility, benefit amounts and optional features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Business Overhead Expense (BOE) Coverage

  Business Overhead Expense (BOE) is an optional disability insurance benefit offered by iA Financial Group to help business owners manage essential operating expenses if they become disabled and are unable to work. Rather than replacing personal income, this coverage reimburses eligible business overhead costs such as office rent, utilities, accounting fees and other approved fixed expenses, helping keep the business operating during the owner's recovery. Its most valuable feature is protecting the financial stability of a business by covering ongoing operating expenses while the owner focuses on recovery. Business Overhead Expense coverage is available as an optional benefit with eligible iA disability insurance products. Coverage is subject to policy terms, eligibility requirements, limitations and exclusions.

• Universal Loan Insurance

  Universal Loan Insurance is a disability loan protection insurance solution from iA Financial Group that helps you continue making loan or rent payments if you become disabled due to a covered accident or illness. Instead of replacing your income directly, this coverage provides tax-free monthly benefits that can be used to cover eligible financial obligations, including mortgages, rent, personal loans, lines of credit, student loans, vehicle loans and credit card payments. One of its most distinctive advantages is that multiple loans can be protected under a single policy, with the flexibility to update covered loans as your financial situation changes. Coverage, benefit amounts and optional features are subject to policy terms, conditions, limitations and exclusions.

• Disability Insurance - Superior Program

  Superior Program is a comprehensive disability income insurance solution from iA Financial Group designed to protect your income if you become unable to work because of a covered illness or injury. The plan provides monthly tax-free benefits to help replace lost income and maintain financial stability during recovery. It is suitable for professionals, business owners, self-employed individuals and employees seeking long-term income protection. One of its most valuable features is its highly customizable design, allowing policyholders to tailor their coverage with a wide range of optional benefits and riders to meet their personal and professional needs. Coverage, eligibility, benefit amounts and optional features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Segregated Funds

  Segregated Funds are insurance-based investment products offered by life insurance companies that combine the growth potential of professionally managed investments with valuable insurance guarantees. Like mutual funds, they invest in a diversified portfolio of assets; however, they also provide features such as maturity and death benefit guarantees, potential creditor protection in certain situations, and the ability to bypass probate by naming a beneficiary where permitted by law. One of their most valuable features is protecting a portion of your invested capital while offering estate planning advantages that are not typically available with traditional mutual funds. Guarantees, investment options, fees and policy features vary by insurer and are subject to the terms and conditions of the individual contract.

• High Interest Savings Account (HISA)

  A High Interest Savings Account (HISA) is an interest-bearing savings account designed to help individuals earn a competitive rate of interest while maintaining easy access to their money. Unlike investments with fixed terms, most HISAs allow deposits and withdrawals at any time without locking in your funds, making them suitable for emergency savings, short-term financial goals and cash management. One of its most valuable features is combining daily liquidity with a higher interest rate than a traditional savings account, while keeping your deposits protected under applicable deposit insurance programs where eligible. Interest rates, account features and deposit insurance coverage vary by financial institution and are subject to the applicable terms and conditions.

• Non-Registered Investments

  A Non-Registered Investment Account is a flexible investment account that allows individuals, families and businesses to invest without the contribution limits or withdrawal restrictions associated with registered plans such as RRSPs or TFSAs. Investors can hold a wide range of investments, including mutual funds, segregated funds, ETFs, stocks, bonds, GICs and other eligible securities. One of its most valuable features is unlimited contributions and unrestricted access to your investments, providing maximum flexibility for building wealth and achieving financial goals. Investment earnings may be subject to taxation based on the type of income earned and applicable Canadian tax laws.

• Guaranteed Interest Accounts (GIAs)

  A Guaranteed Interest Account (GIA) is a capital-preservation investment designed to provide a guaranteed rate of return over a selected investment term. Your original investment is protected, and interest is earned at either a fixed or variable rate, depending on the product selected. GIAs are commonly used by investors seeking stability, predictable growth and lower investment risk. One of its most valuable features is the guarantee of both principal and interest, making it an excellent option for conservative investors or those with short- to medium-term financial goals. Depending on the financial institution, GIAs may be available as registered or non-registered investments, subject to the applicable product terms and conditions.

• First Home Savings Account (FHSA)

  The First Home Savings Account (FHSA) is a registered savings plan introduced by the Government of Canada to help eligible first-time home buyers save for the purchase of their first home. It combines the tax advantages of both an RRSP and a TFSA by allowing tax-deductible contributions and tax-free qualifying withdrawals when the funds are used to purchase an eligible first home. One of its most valuable features is offering both an immediate tax deduction and tax-free growth, making it one of the most tax-efficient ways to save for home ownership. Annual and lifetime contribution limits, eligibility requirements and withdrawal rules are established by the Government of Canada and may change over time.

• Tax-Free Savings Account (TFSA)

  The Tax-Free Savings Account (TFSA) is a registered savings and investment account established by the Government of Canada that allows eligible Canadians to grow their savings and investments tax-free. Contributions are made with after-tax dollars, and any investment income—including interest, dividends and capital gains—can grow without being taxed while held in the account. One of its most valuable features is that qualifying withdrawals are completely tax-free and do not affect your taxable income, making it a flexible solution for both short-term and long-term financial goals. Annual contribution room is set by the Government of Canada, and unused contribution room can generally be carried forward to future years.

• Registered Retirement Savings Plan (RRSP)

  طرح ثبت‌شده پس‌انداز بازنشستگی (RRSP) یک حساب سرمایه‌گذاری ثبت‌شده برای دوران بازنشستگی است که توسط دولت کانادا ایجاد شده تا افراد بتوانند برای آینده مالی خود پس‌انداز کنند و هم‌زمان مالیات سال جاری خود را کاهش دهند. مبالغی که به RRSP واریز می‌شوند، معمولاً از درآمد مشمول مالیات قابل کسر هستند و سرمایه‌گذاری‌های داخل حساب نیز بدون پرداخت مالیات تا زمان برداشت رشد می‌کنند. مهم‌ترین مزیت RRSP این است که هم می‌تواند مالیات پرداختی امروز را کاهش دهد و هم فرصت رشد بلندمدت سرمایه را تا زمان بازنشستگی فراهم کند. قوانین مربوط به سقف واریز، برداشت و مزایای مالیاتی این حساب توسط دولت کانادا و سازمان مالیات کانادا (CRA) تعیین می‌شود.

• Registered Education Savings Plan (RESP)

  The Registered Education Savings Plan (RESP) is a registered education savings account established by the Government of Canada to help families save for a child's post-secondary education. Contributions are not tax-deductible, but investment earnings grow tax-deferred, and eligible beneficiaries may receive government incentives such as the Canada Education Savings Grant (CESG) and, where applicable, additional education savings benefits. One of its most valuable features is the combination of tax-deferred investment growth and government grants, helping families build education savings more quickly. Contribution limits, grants, withdrawals and eligibility are governed by the Canada Revenue Agency (CRA) and Employment and Social Development Canada (ESDC).

• Life Income Fund (LIF)

  A Life Income Fund (LIF) is a registered retirement income account designed to provide retirement income from locked-in pension savings. It is commonly used after transferring funds from a Locked-in Retirement Account (LIRA) or other eligible pension plans once retirement begins. Investments within the account continue to grow on a tax-deferred basis, while withdrawals provide a regular source of retirement income. One of its most valuable features is allowing retirees to maintain control over how their pension assets are invested while receiving retirement income within legislated minimum and maximum withdrawal limits. Eligibility, withdrawal rules and unlocking provisions vary depending on the applicable federal or provincial pension legislation.

• Locked-in Retirement Account (LIRA)

  A Locked-in Retirement Account (LIRA) is a registered retirement savings account designed to hold pension funds transferred from a registered pension plan when an employee leaves an employer before retirement. Unlike an RRSP, funds held in a LIRA are generally locked in and cannot be withdrawn freely before retirement, except in limited circumstances permitted by applicable pension legislation. Investments within the account continue to grow on a tax-deferred basis until the funds are transferred to a retirement income vehicle, such as a Life Income Fund (LIF) or used to purchase an eligible annuity. One of its most valuable features is preserving retirement savings while allowing continued tax-deferred investment growth after leaving an employer-sponsored pension plan. Eligibility, transfer options and unlocking provisions are governed by the applicable federal or provincial pension legislation.

• Registered Retirement Income Fund (RRIF)

  A Registered Retirement Income Fund (RRIF) is a registered retirement income account established under Canadian tax legislation to provide a flexible source of income during retirement. It is commonly created by transferring assets from an RRSP when retirement begins or by the end of the year in which you turn 71. Investments within the account continue to grow on a tax-deferred basis, while annual withdrawals provide retirement income. One of its most valuable features is allowing retirees to continue managing and investing their retirement savings while choosing withdrawal amounts above the required annual minimum. Minimum annual withdrawals are required by law, and withdrawals are generally taxable. Eligibility, withdrawal requirements and tax treatment are governed by the Canada Revenue Agency (CRA).

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