Members of the Chambre de l’assurance
The organization’s members include 37,000 professionals certified in insurance of persons, group insurance, financial planning, damage insurance and claims adjustment. All of them are committed to putting our personal interests first. As such, they must fulfill mandatory professional development requirements and adhere to a rigorous code of ethics. They are responsible for their actions regarding the products and services they provide. Their obligations reflect the high level of competence and integrity that each of us expects from them.
| Field | Certified members |
|---|---|
| Damage insurance | Agent, broker, claims adjuster |
| Insurance of persons | Insurance of persons advisor, group insurance advisor |
| Financial planning | Financial planner |
Agents and brokers in damage insurance
Among other things, damage insurance includes car, home and business insurance. A damage insurance agent presents the products offered by the company with which they are affiliated (an insurance company or brokerage firm). A damage insurance broker works at a brokerage firm and can obtain various quotes from their network of insurers. Whether they are an agent or a broker, each one is regulated by the Chambre de l’assurance and must ensure that our insurance contract meets our needs.
Alternative title: Representative in Damage Insurance
Claims Adjuster
The claims adjuster is generally appointed by our insurer, but a consumer may also appoint their own claims adjuster. This professional supports us throughout the claims process, whether it involves a car theft, a fire, water damage, or any other material damage. They investigate the facts and circumstances of the incident, assess the damage, and negotiate settlement of the claim based on the terms of the insurance contract. It’s important to note that they are required by law to provide us with all the information we need to understand the settlement.
Insurance of Persons Advisor
Insurance of persons aims to provide financial protection, mitigate the risks associated with illness or death, and, in particular, help maintain our standard of living and that of our family. A professional in insurance of persons is qualified to offer products and consulting services in their field of expertise.
Official titles: Insurance of Persons Representative or Financial Security Advisor
Group Insurance Advisor
Group insurance refers to insurance and pension plans designed specifically for companies and their employees. A certified professional in this field analyzes needs in order to propose products that are tailored to the particular circumstances of each company. The professional can then present offers from one or more insurers.
Official titles: Group Insurance and Annuity Advisor or Group Insurance of Persons Representative
Financial Planner
The purpose of financial planning is to create strategies that take our specific financial situation into account. In their assessment, financial planners may need to consider multiple interconnected fields of expertise – legal matters, insurance and risk management, finance, taxation, investments, retirement, and estate planning – depending on our personal priorities, goals and needs. As a result, they develop a customized financial plan that includes every aspect of their expertise, calling on other qualified professionals for assistance as needed.
Official titles: Financial Planner or the abbreviation F.Pl.
It’s useful to know that only graduates of the Institute of Institute of Financial Planning are authorized to use the professional title of Financial Planner. In addition, the Institute oversees mandatory professional development for these advisors.