An office you can trust

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819 772.8208

About us

We’d love to hear about your projects! For 22 years, we have been offering custom solutions to safeguard and improve your financial situation.

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Jean-Sébastien Rioux

President, Services Financiers Rioux

Financial Advisor

Through the best insurance companies, we can implement a whole range of protective measures: disability insurance, serious illness insurance, mortgage insurance, life insurance, and investment-related insurance. Our clients include business owners, professionals, doctors, and individuals.

From our offices in the Outaouais, we serve all of Quebec and Ontario. Most of our customers are from Gatineau, Ottawa, Montréal, other parts of the Outaouais region, and the Abitibi region.

Dealing with Services Financiers Rioux
means sharing our values:

  • Profitability
  • Integrity
  • Passion
  • Respect
  • Warm-heartedness
  • Effectiveness
  • Expertise
  • Family
  • Accessibility
  • Compassion
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Contact us today for more information
or to meet with one of our advisors.

Get an appointment!

Our services

Disability Insurance

Disability insurance is our specialty!

This insurance could one day make a world of difference in your life, as it protects your revenues. Did you know that according to statistics, 20% of people will be incapacitated for a period of at least 3 months at least once before they turn 65? Disability insurance lets you continue to pay your bills and meet your financial obligations during a period of disability.

Drug Insurance Plan

A drug insurance plan is a must! Take advantage of courteous and personalized service. Services Financiers Rioux offers drug insurance plans to more than 20 associations.

Insurance for Individuals

Whatever your projects, life insurance lays the foundation for your family’s continued financial security. It’s the ideal tool for protecting your estate.

Mortgage Insurance

Did you know there are more benefits to purchasing your mortgage insurance from an independent advisor than from a bank?

Serious Illness Insurance

Serious illness insurance is an important, some might say essential asset to ensure your financial security.

Imagine being able to receive medical care quickly if you were to become seriously ill!
This insurance covers 85% of serious illnesses, including: cancer, heart attack, and stroke.

Business Insurance

When it comes to workplaces, Services Financiers Rioux can offer business owners, management, and staff a wide range of protections, including life insurance, disability insurance, and serious illness insurance. We also offer business people partnership insurance designed as much for start-ups as for well-established companies.

Investments

We’d love to hear about your projects! Make your investments grow with Services Financiers Rioux. Our philosophy: healthy returns while managing risks. Both the bold and the cautious will find their match.

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Insurance for Individuals

Whatever your projects, life insurance lays the foundation for your family’s continued financial security. It’s the perfect tool for protecting your estate.
Life insurance is essential if you are married or in a relationship, or if you have a family. Should you pass on, life insurance will protect your assets, pay for your children’s education, and will ensure your loved ones will not be left penniless.

Our approach is simple:

We first meet with you to listen to your needs and analyze them. We then offer you simple and knowledgeable solutions.

Think of life insurance as a toolbox. There are several possible solutions for every need. What’s more, to offer you the best, our team of advisors can pick from a multitude of insurance companies.

The types of insurance we offer include:

  • Permanent insurance
  • Temporary insurance
  • Loan and mortgage insurance
  • Decreasing term life insurance
  • Insurance payable in 10, 20, 30 years
  • Life insurance for children
  • Life insurance as an investment portfolio with cash surrender value
  • Partnership insurance

Business Insurance

Partnership Insurance

Who gets the company shares if my partner passes away? How can I ensure I have worthy replacements for my key employees?

Partnership insurance is primarily designed for business people, whether their business is a start-up or a well-established company.

When setting up a shareholder agreement, it is strongly recommended to subscribe to an insurance that will cover partners’ shares in case of death, serious illness, or disability. Did you know that otherwise, your partners’ heirs could become owners of the business with you? With partnership insurance, the premium is paid for by the business, with the insurance reimbursing beneficiaries for the value of the shares they hold.

Furthermore, your business’ strength is based on the skills of your employees. Protect the continuity of your company by insuring your key employees. Should they pass away, you will have the time and the means to find competent replacements.

Make sure you have a contingency plan in place. Contact us, we can help!

Investments

We’d love to hear about your projects! Watch your investments grow with Services Financiers Rioux.

Venture off the beaten path… RRSPs are of course an option. But did you know that other products might be better suited to meeting your financial goals?

“Very often, we are unaware of the goldmine we’re sitting on. You’re an outdoors sort of person? You’re thinking of buying some land? You’re handy, with time to spare? Invest in real estate!” – Jean-Sébastien Rioux

Our cabinet has been a member in good standing of the Autorité des marchés financiers for about 20 years. The founder of Services Financiers Rioux is registered under the name 4270878 Canada Inc.

Are getting good returns from guaranteed investments possible? Yes. For example, segregated funds are some of the types of investments we recommend. They offer an extra guarantee, unlike mutual funds.

Our philosophy: get healthy returns while managing risks.

We are there to listen to you and to give you sound advice. Our ultimate goal is to offer you investments options that fit your expectations and meet your needs. For this, we will need to get to know you. We will take the time to sit down with you and discuss your financial situation, your projects, and your financial goals.

Why take risks? Did you know that with a financial vehicle like “segregated funds”, you can take advantage of the best returns while protecting your assets? Both the bold and the cautious will find their match.

Les Services Financiers Rioux is a member in good standing of the Autorité des marchés financiers (AMF).

We offer you:

Regular feedback on your investments – by mail or online
Flexibility – make changes at any time
Guarantees on capital thanks to segregated funds
TFSA (tax-free savings account) – tax-free, interest-bearing investments

RRSP

The registered retirement savings plan, or RRSP, allows you to put aside tax-deductible sums to create your own retirement pension fund.

Start building your RRSP now!

Services Financiers Rioux will support and advise you so that you can make the most of your investments. Contact us now to make an appointment with an advisor.

RRSPs are excellent investment vehicles:
If you make more than $45,000 a year;
If you work for the federal government or are self-employed.

HBP – Home Buyers’ Plan
You are thinking of buying your first home or know someone who is? Don’t forget about us! We can help you take advantage of the HBP (Home Buyers’ Plan). Contact us to find out if you are eligible.

Keep track of your investments

With this function, you can keep track of your investments online.

Serious Illness Insurance

Serious illness insurance is an important, some might say essential asset to ensure your financial security. Both men and women have a high risk of being seriously ill as an adult. With serious illness insurance, coverage provides for the payment of a lump sum after a pre-established survival period. Imagine being able to receive medical care quickly if you were to become seriously ill! Serious illness insurance could also allow you to fulfil, with your loved ones, a project you hold dear. This insurance covers 85% of serious illnesses, including: cancer, heart attack, and stroke. At Services Financiers Rioux, our specialized advisors will take the time to listen to you and answer all your questions on this type of coverage.

Disability Insurance

Disability insurance is our specialty!

This insurance could one day make a world of difference in your life, as it protects your revenues. Did you know that according to statistics, 20% of people will be incapacitated for a period of at least 3 months at least once before they turn 65? Disability insurance lets you continue to pay your bills and meet your financial obligations during a period of disability.

The WSIB, the CSST, and the SAAQ also offer coverage? Yes, but it’s very limited coverage: if an accident happens anywhere else than on the road or at work, you will not be eligible for any benefits, save Employment Insurance, for a limited time. In contrast, disability insurance offers you secure income.

Furthermore, your insurance premiums could be indexed to keep your benefits in step with your pay.

With an expertise more than 22 years in the making in the field, Services Financiers Rioux’ representatives will be right by your side, from insurance applications to claims. We pride ourselves on our personalized service. And we are able to choose what suits you best from all the products offered by insurance companies. We often deal with Humania, RBC Insurance, Canada Life, Blue Cross, Great West Life, Manulife, and many more.

Disability insurance is an excellent product that is almost essential for self-employed individuals and other employed persons who do not have access to group insurance.

Contact us to talk directly to one of our qualified advisors.

Drug Insurance Plan

A drug insurance plan is a must!

Through their partner Dale Parizeau Morris MacKenzie, Services Financiers Rioux offers drug insurance plans to more than 20 associations. To get more information on insurance drug plans, do not hesitate to contact us.

Take advantage of courteous and personalized service. We serve the Outaouais, Maniwaki, Mont-Laurier, and Abitibi regions.

Contact us if your association is included in our agreement. Here is the list of participating associations:

  • DENTURO – Association des denturologistes du Québec
  • FMOQ – Fédération des médecins omnipraticiens du Québec
  • PSYCHO – Ordre des psychologues du Québec
  • AESIQ – Association des experts en sinistres indépendants du Québec
  • APDIQ – Association professionnelle des designers d’intérieur du Québec
  • OAAQ – Ordre des administrateurs agréés du Québec
  • OACIQ – Organisme d’autoréglementation du courtage immobilier du Québec
  • OEAQ – Ordre des évaluateurs agréés du Québec
  • OIFQ – Ordre des ingénieurs forestiers du Québec
  • OOAQ – Ordre des orthophonistes et audiologistes du Québec
  • OPDQ – Ordre professionnel des diététistes du Québec

Mortgage Insurance

Did you know there are more benefits to purchasing your mortgage insurance from an independent advisor than from a bank?

With an independent advisor:

  • You remain the owner of your insurance policy.
  • The value of the insurance policy does not decrease.
  • Your insurability is not reevaluated each time you renew your mortgage.
  • The payout is not taxable.
  • You get the lowest interest rate possible.

Why get mortgage insurance?

Should you pass away, mortgage insurance covers your debts so that your house can be paid for. Mortgage insurance will protect your family and loved ones.

Let us carefully analyze your needs and put together a clear action plan to get you better protected.

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