Finance · Providers · iA Financial Group
🤝 Sponsor Partner

iA Financial Group —
Policyholders first.

A Canadian financial institution offering insurance and wealth solutions. Rico helps you compare fit, design, costs, and tradeoffs in plain language.

Rico is a Financial Associate with Experior Financial Group — not a certified Financial Advisor

About iA Financial Group

Canada's largest mutual insurer. Your interests, not shareholders'.

iA Financial Group was formed in 2020 from the merger of La Capitale and SSQ Insurance — two of Quebec's most respected insurers with roots going back to 1940. Together, they created Canada's largest mutual insurance company, serving over 3.5 million members across the country.

As a mutual insurer, iA Financial Group has no shareholders to answer to. That means every decision — from claims handling to product pricing — is made with policyholders in mind. Surplus profits are returned to members, not distributed to investors on Bay Street.

iA Financial Group has deep expertise in group insurance and individual disability products, making them a strong choice for business owners, self-employed professionals, and anyone who wants robust disability coverage with a company that has a long track record of paying claims.

Rico works with iA Financial Group as part of his Experior Financial Group toolkit — and as a sponsor partner, iA Financial Group's commitment to their advisors and clients runs deep.

iA Financial Group Insurance logo
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1940
Roots tracing back to
3.5M+
Members served
#1
Largest mutual insurer in Canada
0
Shareholders — 100% policyholder-owned

Products Available Through Rico

What iA Financial Group offers — and what it means for you

Click any product to learn more.

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Term Life Insurance +

Straightforward protection for when your family needs it most — from a company that's been paying claims since 1940.

iA Financial Group's term life products offer competitive pricing with the peace of mind that comes from a company owned by its policyholders. No shareholder pressure to deny claims.

  • 10, 20, and 30-year term options
  • Renewable and convertible to permanent coverage
  • Competitive rates for healthy applicants
  • Ideal for: families, mortgage protection, income replacement
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Disability Insurance +

One of iA Financial Group's strongest products — robust income replacement if illness or injury takes you out of work.

iA Financial Group's roots are in disability coverage. Their individual disability products are comprehensive, with strong own-occupation definitions and flexible benefit periods — important for professionals and the self-employed.

  • Own-occupation definition available for professionals
  • Benefit periods to age 65
  • Waiver of premium while on claim
  • Cost of living adjustments available
  • Ideal for: self-employed, business owners, professionals without strong group coverage
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Critical Illness +

A tax-free lump sum on diagnosis of cancer, heart attack, stroke and 25+ other conditions.

iA Financial Group's critical illness coverage pays a tax-free benefit when you're diagnosed with a covered condition. Use the money however you need — medical treatment, time off work, or family support.

  • 26+ covered conditions
  • Return-of-premium option available
  • Benefit paid 30 days after diagnosis (survival period)
  • Available as standalone policy or rider
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Group Benefits +

Comprehensive benefits packages for businesses — iA Financial Group is one of Canada's leading group insurance providers.

iA Financial Group is particularly strong in group insurance. If you own a business or manage a team, Rico can explore group benefit plans that cover your employees for health, dental, disability, and life insurance.

  • Group life, health, dental, and disability
  • Scalable for small to large organizations
  • Employee wellness programs
  • Ideal for: small business owners, corporations, associations
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Permanent Life Insurance +

Lifelong coverage that builds cash value — backed by a mutual company with no shareholder conflicts.

iA Financial Group's permanent life products offer whole life and universal life options for clients who want lifelong coverage with a savings component. As a mutual company, their participating policies can earn dividends.

  • Whole life with participating dividends
  • Universal life with investment flexibility
  • Cash value grows tax-sheltered
  • Ideal for: estate planning, business succession, long-term wealth transfer
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Living Benefits +

Add-on riders that protect you while you're still alive — disability waivers, accidental death, and more.

iA Financial Group offers a range of living benefits riders that can be added to base policies for enhanced protection during your lifetime.

  • Waiver of premium on disability
  • Accidental death & dismemberment
  • Child protection riders
  • Guaranteed insurability options — lock in future coverage regardless of health

The Mutual Difference

No shareholders. No conflicts. Just your interests.

Most insurance companies are publicly traded — they answer to shareholders and investors. Every quarter, they're measured on profits. That creates a natural tension between shareholder returns and policyholder experience.

iA Financial Group is different. As a mutual insurer, the policyholders ARE the owners. There are no shareholders to satisfy, no quarterly earnings calls to worry about. Decisions are made with members in mind.

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Policyholder Ownership

You're not just a customer — as a iA Financial Group policyholder, you're a member and part-owner of the company.

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Surplus Returned to Members

Profits don't go to Bay Street investors. Surplus is returned to policyholders through dividends and improved products.

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Claims Paid Without Conflict

When there's no shareholder pressure to protect profits, claims decisions are made on merit — the way insurance was meant to work.

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Long-Term Thinking

Mutual companies aren't chasing quarterly targets. They're built to last generations — which is exactly what you want from an insurer.

Want to see if iA Financial Group is the right fit for your situation?

Rico can compare iA Financial Group's products against other providers and help you understand whether the mutual structure makes a difference for your specific needs. Free conversation, no obligation.

💬 Ask Rico About iA Financial Group

Common Questions

Things people ask about iA Financial Group

Is iA Financial Group available outside Quebec?+
Yes. While iA Financial Group has deep roots in Quebec, they operate nationally and provide coverage across Canada, including BC. Rico can access their products for eligible clients in the Okanagan and throughout British Columbia.
How is iA Financial Group different from other insurers?+
The biggest difference is the mutual structure. Most insurers are publicly traded and answer to shareholders. iA Financial Group is owned by its policyholders — so profits are returned to members, and there's no conflict between shareholder returns and claims payouts.
Is iA Financial Group good for disability coverage?+
iA Financial Group has a strong track record in disability insurance, rooted in SSQ Insurance's legacy of robust group and individual disability products. For self-employed professionals and business owners, their personal disability policies are worth comparing. Rico will pull quotes from multiple providers to find the best fit.
Does Rico only recommend iA Financial Group?+
No. Rico works with multiple providers through Experior Financial Group — Manulife, Canada Life, Equitable Life, Empire Life, iA Financial Group, and others. He recommends based on your specific situation, not company preference. iA Financial Group is a sponsor partner, but that doesn't bias the recommendation — it just means Rico has strong support and access when placing iA Financial Group products.
Can a small business get group benefits through iA Financial Group?+
Yes. iA Financial Group offers group benefit plans for businesses of various sizes, including small employers. A group benefits plan can help attract and retain employees while providing tax advantages. Rico can walk you through what makes sense for your team size and budget.
How do I get started with a iA Financial Group policy?+
Start with a free conversation with Rico. He'll do a needs analysis, compare products across providers, and if iA Financial Group is the right fit, guide you through the application. Most individual policies involve a short health questionnaire — Rico handles the paperwork and the process.

Other Providers Rico Works With

Manulife Canada's largest insurer Canada Life Whole life & IBC specialist Equitable Life Mutual company, strong CI Empire Life Competitive term & ROP CI

Talk to Rico

See if iA Financial Group is the right fit for your situation.

Free consultation. No pressure. Rico will compare options across all providers and find what makes sense for your life and your budget.

📅 Book a Free Chat See the Free Analysis →