Make the most of today. We'll look after tomorrow.
Made-to-measure coverage
Discover our personalized insurance programs, designed for all your current and future needs. The advantages of our coverage and our competitive pricing make us a leading insurance distributor.
Base insurance coverage
Disability insurance
Get your health back without denting your finances
Our insurance is a priceless safety net. In the event of extended downtime, we give you the means to focus on your recovery. Your loved ones will appreciate it too.
Life insurance
Protect the ones you love
Show your family that you care by arranging for their wellbeing in the event the unthinkable happens. They’ll be able to keep the house, continue their education and get on with life as you always hoped without ever being left unprepared.
Accidental death, dismemberment or loss of use
Bounce back faster when the going gets tough
Some accidents leave deeper scars than others. Fortunately, we have the coverage you need to offset the potential loss of income. Your loved ones could also receive compensation in the event of an accidental death.
Our coverage goes even further and includes funds to help your children pursue their education. And your spouse could make use of the financial helping hand to update their skills and find a job that suits them better.
Supplemental accident and health insurance
Get the best care with this valuable supplement to government insurance plans
You want the best care for you and your family. Of course you do. We can open the door to a wide range of medical and paramedical treatments and a multitude of health specialists. This coverage also includes travel insurance and out-of-country assistance.
Drug coverage for more affordable medication
More affordable drugs
There’s strength in numbers. Our prescription drug insurance program is the proof. Our program is similar to or more generous than the current government plan, and all members of your family will be covered. It's good for both your health and your wallet (May not be available in all provinces).
Other types of coverage
Return of premium (cash refund)
Get back up to 100% of your disability insurance premiums
Add this option to your disability insurance coverage before age 50 and we'll reimburse up to 100% of your disability insurance premiums, less any claims made on your policy, when you turn 65 or you retire.
Overhead expense insurance
Keeping your business healthy
Self-employed workers and business owners deserve just as much protection as salaried employees. That's why we offer this unique coverage that will pay your regular business expenses in the event you’re off work due to an accident or illness.
Note that premiums for this insurance are tax-deductible as a business expense. It’s a win-win situation.
Loan insurance
Because accounts in good standing are good for your business
You can count on us to protect your credit rating and your mortgage financing. If you become disabled, we'll pay your monthly personal or commercial mortgage payments, your lines of credit, car or RV loans, personal or corporate loans and even your credit cards.
Critical illness insurance
Support for you and your family
With our personalized insurance, your finances will never be sidetracked by a critical illness. The coverage provides lump-sum payments to help you pay for your treatment and meet your financial obligations, subject to certain restrictions.
Cancer coverage
Stack the odds in your favour
Don't let cancer cast a shadow over your life goals and dreams. More and more people are recovering from cancer. And we're happy to be able to help in our own way. By providing financial support, we help you and your loved ones focus on what's most important—your recovery.
Dental coverage
Make your wallet smile
Smile – your visits to the dentist will be even more pleasant thanks to our range of coverage options. Many procedures are covered at 100%, 80% or 50%, up to a maximum of $1,500 per person per calendar year.
Travel insurance and out-of-country assistance
Even abroad, you can rely on us
Travelling abroad is an extraordinary experience. And our insurance is just what you need to enjoy your trips to the full. The most seasoned travellers will agree. We reimburse 100% of out-of-country medical expenses, up to $5 million. Sold individually or included with supplemental health and accident insurance, it’s the perfect complement to the coverage provided by your provincial healthcare plan.
Insurance for retirees
Because health and peace of mind come first, even in retirement
Retirement should never be a source of worry. We have a program that’s designed to provide coverage for people planning to retire. Retirees can have life insurance and healthcare coverage through a supplemental health and accident insurance program that also includes travel insurance and out-of-country assistance.
Coverage for construction workers
Coverage for construction workers
Personalized Insurance – Construction Employee VIP Program
MRa is here to support your business!
Given current labour shortages, it's important to stand out from the competition to attract and retain the right employees. MRa has designed a very affordable insurance solution for you to offer your employees.
Whether it's medical, dental or disability coverage, your employees and their families will appreciate the financial security you’ve provided.
This product also fills in the coverage gaps for employees insured with mandatory public coverage for construction workers (Medic Construction in Quebec, for example). And at a much lower cost!
Let’s have a chat
By email or telephone, we'd be delighted to answer all your questions.