• Life Insurance
  • Life Insurance
    without medical examination
  • Health Care and
    Disability Insurance
  • Sickness and
    Accidental Insurance
  • Group Insurance
    and Annuities
  • Loan Insurance
  • Segregated Funds
  • Other Investments

PROFILE

The firm Turgeon & Associates is the first independent life insurance brokerage firm in New Brunswick. Founded in 1979 by its current president, Mr. Jeannot Turgeon, the firm prides itself on having an enviable reputation of being a high profile company with an ever growing clientele. Turgeon & Associates has earned its own place of choice in the insurance and financial services business through the quality of its products and services. Licensed in New Brunswick and Quebec, and representing over 18 insurers allows us to choose the best product to meet the insurance or investment needs of our customers.

 

 

MISSION

To offer high quality products and services to all our clients with competence, professionalism and integrity, while constantly striving for excellence.

 

 

 

OUR services

Insurance Sector

 

At Turgeon & Associates we can help you understand your needs in life insurance, living benefits, and group insurance by analyzing your situation with you. We can help you answer the following questions:

• Why do I need insurance?

• Which family members or partners should I insure?

• What amount of coverage do I need?

• What type of insurance (temporary, permanent or universal) best meets my needs?

• How can I get insurance?

 

  • Life Insurance

    Here are the main advantages to acquiring personal insurance:

     

    •Ensure continuance of income for loved ones after your death

    •Create a tax shelter

    •Protect your future insurability

    •Ensure equitable legacies

    •Protect your business and its associates

    •Optimize the value of your estate

    •Cover the final costs pertaining to your estate, such as legal fees, executor fees, probate fees, and taxes on capital gain.

    •Protect your loved ones from creditors

     

    There are several different types of life insurance to better respond to each individual's needs. Our advisors can help you determine which ones are best for you.

     

  • Critical Illness, Disability (Sickness and Accidental), and Health Care

    (Pharmaceuticals - Dental)

    The following are various types of survivor benefits, paid when the insured person is alive.  Here are our main products and a brief description of each:

    Disability Insurance (Sickness and Accidental)

    Disability insurance can cover your financial obligations in the event of disability following an illness or an accident.

    Critical Illness Insurance

    Critical illness insurance provides a lump sum 30 days after the diagnosis of a critical illness (cancer, heart attack, stroke, bypass surgery). Some insurers cover up to 25 critical illness and more.

    It is worth noting that 2 out of 5 Canadians are expected be diagnosed with some form of cancer during their lifetime, and according to estimates it is expected that 63% of Canadians with cancer live five years or more after their diagnosis* . In this context, critical illness insurance provides you with the financial freedom you need to focus on what is most important to you during this critical time.

    At Turgeon and Associates we can help you chose the best critical illness insurance coverage to meet your needs, with or without medical exams.

    *Stastistics from the Canadian Cancer Society

    Life and critical illness insurance without medical examination

    Requiring no medical examination or blood test, this type of insurance is intended for persons who for medical reasons have difficulty obtaining insurance.

    At Turgeon & Associates we have several life and critical illnesses insurance products with no medical exams that we can offer to our clients. If your insurability is a concern, contact us to discuss options available to you.

    Health Care Insurance (Pharmaceutical – Dental)

    Pharmaceutical and dental insurance offers coverage for those who do not have group insurance or those who desire a more comprehensive protection. This protection gives you a similar coverage as found in large companies; however you get to choose the desired options.

    The health care insurance will reimburse your costs of prescription drugs, dentistry, chiropractic, physiotherapy, massage therapy and other practitioners, as well as hospitalization fees.

    Contact us to learn more about the different coverage options available to meet your needs.

     

  • Group Insurance and Annuities

    At Turgeon & Associates we provide employers with group insurance and group annuities tailored and adapted to their needs and the needs of their employees, and this, for groups of 2 or more employees.

    Contact us to discuss the characteristics of your group and the available options.

     

  • Loan (DEBT) Insurance

    There are several revolutionary products in terms of debt insurance, which are an affordable alternative to bank insurance products.

    Different types of loans can be covered, such as mortgage, auto, credit cards or business loans.

    It is also possible to cover alimony or child support payments in case of disability or death.

    These debt insurance products provide protection for your financial commitments in the event of disability, serious illness or death.

    At Turgeon and Associates, we can help you protect the payment of all debts under one contract. Contact us to learn more.

     

Investments Sector

 

At Turgeon & Associates we offer different types of investments, based on your investor profile, such as Segregated Funds and Guaranteed Investment Certificates (GIC).

  • Segregated funds

    Segregated funds are issued by insurers, similar to mutual funds, but with additional advantages, including:

    • Guarantees: Capital Protection of 75% to 100% at maturity or upon death.

    • Speed: By not going through the estate, the settlement is simpler and less expensive.  It also avoids the costs associated with the estate.

    • Avoidance of Probate: For all provinces (except Quebec), an estate must be probated and this process can be very costly. When the annuitant dies, the amounts payable under the segregated funds are paid directly to the beneficiary or beneficiaries designated in the contract, thereby avoiding probate.

    • Immunity: In case of bankruptcy or action by creditors, laws may protect a segregated fund contract (subject to certain conditions).

    • Protection: segregated fund contracts are covered by Assuris, a consumer protection program that guarantees investors a level of protection against loss due to the bankruptcy of the member company.

    At Turgeon & Associates we can help you complete your investor’s profile and recommend suitable products according to your financial needs in the short, medium and long term. Contact us for a free consultation.

     

  • Guaranteed Investment Certificates (GIC)

    Guaranteed Investment Certificates (GIC) are simple and safe investments that offer a guaranteed rate of return over a fixed period of time. They offer several advantages, including:

    • Security: Your initial investment and interest payments are guaranteed

    • Growth: Guarantee that your investment will grow regardless of market behavior.

    • Flexibility: Your investment can be registered or not and you can choose the duration and type of interest that suits you.

    Contact us for more information on the benefits of Guaranteed Investment Certificates (PMC).

     

Furthermore, these types of investments are eligible for financial product tailored for you, such as:

RRSP  (Registered Retirement Savings Plan)

RRIF  (Registered Retirement Income Fund)

LIRA   (Locked-in Retirement Account)

LIF     (Life Income Fund)

RESP (Registered Education Savings Plan)

TFSA (Tax-free Savings Account)

• Non-Registered

 

We also offer annuity products from several insurers.

Contact us for a free consultation.

Because of their vast area of distribution and their high quality of service, Turgeon & Associates has been chosen by the most reputable companies to offer their products. Each company carries it's own specialty of products from which Turgeon & Assocites chose the ones that offer the highest quality of standards for it's clients needs.

our Suppliers

OUR TEAM

With its 37 years experience, Turgeon & Associates is a leader in its field. For all your insurance or investment needs, call our team of experts who will work with you and advise you.

Jason Parker

Director of development

Financial Security Advisor

Pauline Bossé

Administrative Assistant

Joëlle Pelletier

Co-owner

Financial Security Advisor

Paryse Turgeon

Financial Security Advisor

Jeannot Turgeon

Co-owner

Financial Security Advisor

CONTACT US

To reach an advisor or to learn more about all our services:

 

Turgeon & Associates Ltee

104 Saint-Joseph Road

Saint-Jacques (New Brunswick)

E7B 0B2

Phone: 506 739-7333

Toll Free: 1 877 739-7333

Fax:  506 739-1888

 

 

EMAIL US

© TURGEON & ASSOCIATES | ALL RIGHTS RESERVED

CREATED BY ROUJ

Turgeon & Associates Ltee

104 Saint-Joseph Road

Saint-Jacques (New Brunswick)

E7B 0B2

Phone: 506 739-7333

Toll Free: 1 877 739-7333

Fax:  506 739-1888

 

 

© TURGEON & ASSOCIATES

ALL RIGHTS RESERVED