Sergio A. Paier | sergio.paier@gmii.ca
At Coigne Capital, we understand that protecting your family’s financial future requires more than generic insurance policies. As licensed insurance brokers serving Canadian families, investors, and entrepreneurs, we craft personalized insurance strategies that safeguard your assets and provide lasting security for generations to come.
Independent Insurance Brokers vs. Captive Agents Unlike captive insurance representatives tied to single insurers, our licensed brokers have access to Canada’s entire insurance marketplace.
Our established relationships with Canada’s most reliable insurance carriers ensure you receive:
Whether you’re a young professional starting a family or an established entrepreneur planning your legacy, our life insurance solutions provide essential financial protection when your loved ones need it most.
Key Life Insurance Benefits:
Life insurance becomes the cornerstone of family financial security, stepping in when the unexpected happens. Beyond replacing lost income to maintain your family's current lifestyle, it ensures mortgage payments continue uninterrupted and outstanding debts don't burden surviving family members. The policy also secures funding for children's future education expenses while providing immediate liquidity during emotionally difficult transitions, allowing your family to focus on healing rather than financial stress.
Savvy investors leverage life insurance as a powerful wealth optimization tool that goes far beyond basic protection. These policies enhance tax-efficient wealth transfer strategies by providing tax-free death benefits to beneficiaries while creating tax-sheltered investment growth opportunities during your lifetime. The structure helps preserve accumulated assets for future generations while strategically minimizing estate taxes and costly probate processes, ensuring more of your wealth reaches intended recipients.
Business leaders understand that life insurance serves as critical infrastructure for enterprise continuity and succession planning. These policies fund comprehensive business succession strategies while protecting the key person value you bring to your organization. When structured properly, life insurance facilitates smooth ownership transfers to partners, family members, or key employees, ensuring business continuity that protects jobs, customer relationships, and the enterprise legacy you've built over years of dedication.
Long-term care insurance serves as a crucial shield protecting your retirement assets from the potentially devastating costs of extended care needs. As Canadians live longer, the likelihood of requiring assistance with daily activities—whether due to aging, illness, or injury—continues to increase, with care costs often reaching $3,000 to $8,000 per month or more. This specialized insurance ensures you can access quality care in your preferred setting, whether that's receiving support in the comfort of your own home, utilizing adult day programs, or residing in a specialized care facility.
Life insurance serves as far more than simple death benefit protection, it’s a sophisticated financial instrument that adapts to your evolving needs throughout different life stages and wealth accumulation phases.
For growing Canadian families, life insurance provides essential financial security that extends well beyond basic coverage. These policies protect loved ones from unexpected financial hardship while ensuring continuity in mortgage payments, children’s education funding, and daily living expenses. The immediate liquidity provided allows families to maintain their standard of living during emotionally challenging transitions, creating a stable foundation when stability matters most.
Sophisticated investors leverage permanent life insurance as a powerful tax optimization tool within their broader wealth management strategy. These policies enhance existing tax planning approaches by providing tax-sheltered investment growth opportunities while maximizing wealth preservation for future generations. The death benefit passes tax-free to beneficiaries, effectively bypassing many estate planning challenges and ensuring more of your accumulated wealth reaches intended recipients rather than
Canadian entrepreneurs and business owners utilize life insurance as critical infrastructure for enterprise continuity and succession planning. These policies ensure seamless business operations by funding ownership transfers, protecting key person value, and facilitating smooth generational transitions. Whether transferring to family members, key employees, or external buyers, properly structured life insurance provides the liquidity needed to execute succession plans without disrupting daily operations or employee security.
Coigne Capital Inc. is a duly registered financial-services firm regulated by the Autorité des marchés financiers (AMF). All material on this site—including references to mutual funds, insurance contracts, and other investment vehicles—is furnished solely for educational purposes and does not constitute personalized financial, tax, or legal advice. Securities products are distributed through Global Maxfin Investments Inc., a dealer overseen by the Canadian Investment Regulatory Organization (CIRO), and may be discussed only by representatives licensed to offer mutual funds and other securities within Québec. Before acting on any information, investors should consult an appropriately qualified professional to confirm its relevance and suitability to their objectives, risk tolerance, and overall financial circumstances. Past performance is not a guarantee of future results. For full details, please review the primary disclosure section and all other legal and compliance notices on this website.
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