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Creditor Insurance

Beaudry-Deschatelets Financial Group specializes in group insurance products for car dealers, recreational vehicles dealers, truck dealers, furniture retailers, and pool and spa retailers.

We offer training, performance measurement tools, custom sales support and a flexible commission plan.

When you give your customers the opportunity to take out life and disability insurance on their loan, you are adding value to your customer service. To ensure competitive rates, premiums are equivalent to group insurance rates.

We invite you to discover the full range of products that the Beaudry-Deschatelets Financial Group offers.

 

 

         

 

Distributed by RMA, SSQ Financial Group offers a full range of insurance products for debtors. Working in the field since 1945, the SSQ is a leading Canadian financial institutions. Through a wide range of insurance products, it protects the present and ensures the future of more than one million people nationwide.

Through the SSQ Financial Group, you'll be able to offer your customers the following protections:

  • Life Insurance
  • Accidental Death  Insurance
  • Total Disability Insurance
  • Accidental Disability Insurance

 

Single or joint coverage is usually available without any medical tests.

 

                           

 

Beaudry-Deschatelets Financial Group is proud to be associated with Industrial Alliance Pacific Insurance and to distribute its creditor group life and disability insurance.

Alliance Pacific Insurance is Canada's leading provider of creditor group life and disability insurance for the automobile, heavy truck, RPG/power sport and recreational vehicle markets.

In September 2000, Mécagroupe joined API and is now part of the Industrial Alliance group of companies. As API, Mécagroupe offers high quality products and services and is one of the main suppliers of creditor insurance for car dealers in Quebec. API has been a specialist of creditor group insurance for more than 40 years. In 1963, the company was the first to introduce creditor group life and health insurance for car dealers and is the leader in that field, to this date.

Following are the different coverages available to your customers : *

 

Creditor Group Life Insurance

  • Decreasing Term Life Insurance tied to a loan, a lease contract or a mortgage will reimburse in full the loan balance at death of the Insured during the period covered. Decreasing Term Life Insurance gives you the assurance that your heirs will not be burdened with your debts.
  • For a lease contract, or for a contract with a balloon/residual component, add residual Life Insurance for complete coverage.

 

Critical Illness Insurance

  • Decreasing Term Critical Illness Insurance purchased in conjunction with a consumer credit transaction (loan, lease, mortgage) provides a benefit to pay off all or part of the credit obligation in the event that the Insured is diagnosed with a covered Critical Illness during the term of the coverage. CI Insurance is designed to eliminate the financial strain of a vehicle loan, giving you the freedom to focus on getting well.
  • For a lease contract, or for a contract with a balloon/residual component, add residual CI Insurance for complete coverage.

 

Disability Insurance

  • If the Insured becomes totally disabled during the period covered,DI tied to a loan, a lease contract or a mortgage will pay monthly benefits equal to the amount of the monthly installment, in full or in part. Disability Insurance guarantees payment for your car when you don't need it anymore.
  • The death or disability benefits are paid directly to the creditor or to the financial institution to reduce the debt of the Insured.

 

Extended Warranty Program

The Extended Warranty Program provides a range of extended service contracts for the following types of new or used vehicles :

 

  • Light vehicles
  • Recreational vehicles and travel trailers
  • Motorcycles, scooters, ATVs, snowmobiles
  • Watercrafts and personal watercrafts

 

The Extended Warranty Program is your best protection against the cost of future vehicle repairs.

 

Appearance and chemical protection packages

SAL Group distributes the Diamond-Kote line of appearance and chemical protection packages for cars, light trucks and recreational vehicles.

 

  • Diamond-Kote has been protecting vehicles in North America since 1968.
  • All products manufactured by Diamond-Kote adhere to strict quality assurance controls and exceed all environmental legislative guidelines.
  • Diamond-Kote uses only the highest quality products – CFC-free and phosphate-free, water-based rust protection, and recyclable packaging.
  • Diamond-Kote products are manufactured in a plant facility in Toronto, Canada.
  • To help you maintain your vehicle and your warranty, Diamond-Kote’s Reminder program notifies customers when routine maintenance inspections are recommended.
  • All Diamond-Kote products are backed by a fully insured warranty program from an Industrial Alliance Company.
  • Diamond-Kote’s detailing car kit is your home companion to their professional-grade protection products.
  • Diamond-Kote’s detailing kit helps you to protect your vehicle from fading and oxidation, pollution, road salt and sea air.
  • All products included in the Diamond-Kote detailing kit have been tested under extreme weather and environmental conditions to ensure high quality protection wherever the vehicle is driven.
  • Diamond-Kote appearance products are environmentally responsible.

 

For more information on Diamond-Kote Appearance and Chemical Protection Products please visit:

    

 

Silent Sentinel Anti-Theft Protection

SAL Group distributes Silent Sentinel, the ultimate anti-theft etch program for cars and light trucks.

 

  • traceable ID number is permanently etched into the bottom corner on all of the vehicle's major windows. A Silent Sentinel decal on the windows notifies thieves that the car is protected.
  • Silent Sentinel is completely passive and noiseless. There are no switches to throw, keys to turn, buttons to push, codes to memorize or metal bars to remove from the steering wheel.
  • Dealer Lot Protection provides coverage up to $5,000 per vehicle prior to retail sale.
  • If a vehicle becomes a total loss due to theft, the consumer may be paid up to $6,600 over and above payment from the primary insurer.
  • If a vehicle is stolen, but recovered damaged and repairable, up to $1,000 deductible reimbursement benefits may be paid, limited to less of primary auto deductible.