Our Services

Personal Insurance Services

Term Life Insurance

Provides coverage for a set period. Initially less expensive than permanent life insurance, its cost increases upon renewal. Under certain conditions, it’s possible to convert part or all of your term insurance into permanent insurance without having to answer new medical questions.

Renewable up to age 85

Convertible before a certain age

Very affordable premium

Allows for high coverage amounts

Permanent Life Insurance

Provides lifetime protection. It can accumulate value over time with significant tax advantages. While more costly than term insurance, it offers long-term benefits.

Universal life insurance

Flexible premiums; part of the payment goes toward insurance, and the rest can be invested.

Whole life insurance (with or without participation)

Offers guaranteed cash values, paid-up insurance, and potential dividends.

Premium never increases

Guaranteed cash values

Guaranteed paid-up insurance

Coverage amount may increase

Coverage amount may increase

Provides income replacement if you’re unable to work due to illness or injury. It can be included in a group benefits plan, although these plans often lack flexibility. For self-employed individuals or employees without group coverage, we offer tailored individual disability insurance.

Critical Illness Insurance

Pays a lump-sum amount if you are diagnosed with a condition covered in the policy. You must survive at least 30 days after diagnosis to receive the benefit. The amount can be used freely—for treatment, home modifications, or income replacement.

Tax-free lump sum

Can help replace your spouse’s income

Very affordable temporary options

Return of premium options available

Savings & Investment

Grow your wealth with confidence

At Evolution Financial Services, we guide you through each step of your financial planning. Whether you’re saving for retirement, your children’s education, or your first home, we help you choose the right solutions based on your goals, investor profile, and timeline.

Segregated Funds

Investment products backed by insurance companies that combine long-term growth with capital protection. Also provide estate planning advantages and can bypass probate.

RRSP – Registered Retirement Savings Plan

A powerful tool to save for retirement while reducing your taxable income. Contribution limits are based on annual income.

TFSA – Tax-Free Savings Account

A flexible account that allows your investments to grow tax-free. Perfect for short, medium, or long-term goals.

RESP – Registered Education Savings Plan

A great way to save for your children’s post-secondary education, with government grants of up to 30% of contributions.

FHSA – First Home Savings Account

A new account combining RRSP and TFSA benefits, designed to help first-time homebuyers save more efficiently.

Investment Loans

A strategy for experienced investors seeking to grow their portfolio using borrowed funds, with potential tax deductions. A personalized assessment is required to ensure it suits your risk tolerance.

Group Insurance & Group RRSP

Smart solutions for your business and your team

At Evolution Financial Services, we create custom group plans for SMEs, grouped self-employed workers, and growing organizations. Our solutions help meet your employees’ needs while staying within your company’s budget.

Group Insurance

A well-designed group insurance plan helps attract and retain talent, while supporting your team’s health and financial security.
Coverage may include:

Life and accidental death insurance

Short- and long-term disability insurance

Extended health care

Dental care

Vision care

Employee assistance program (EAP)

We work with multiple insurers to offer flexible, competitive plans tailored to your company’s size and needs.

Group RRSP / TFSA Plans

Offering a group savings plan (RRSP or TFSA) shows your commitment to the financial well-being of your employees while helping them prepare for the future.

Employer Benefits

Enhances employee retention

Contributions are tax-deductible

Easy to implement and manage

Strengthens your employer brand

Employee Benefits

Automatic payroll deductions

Access to reduced management fees

Tax-deferred growth (RRSP) or tax-free growth (TFSA)

Flexible investment choices

Business Insurance

Protect your business, your partners, and your future

At Evolution Financial Services, we understand the unique challenges faced by entrepreneurs, executives, and business owners. That’s why we offer insurance solutions designed to protect your business, ensure continuity, and reduce financial risks in case of unforeseen events.

Shareholder/Partner Life Insurance

Protects shareholder interests in the event of a partner’s death. This type of insurance helps facilitate the buyout of shares according to your shareholder agreement, avoiding family and financial conflicts.

Key Person Insurance

Protects the business from the financial impact caused by the death or disability of a key person (executive, associate, or essential employee). The benefit can help recruit, cover losses, or stabilize operations.

Business Loan Protection Insurance

Ensures the repayment of loans or financing obtained from a financial institution. In the event of death or disability of the entrepreneur, the insurance covers the balance—protecting the business and heirs.

Disability Insurance for Entrepreneurs

Provides replacement income if you’re unable to work due to illness or injury. Can also cover fixed business expensessuch as rent, salaries, and insurance.

324 champlain Dieppe,New Brunswick

(506) 910-0005

(506)-300-5318

evolution@sfgt.ca

FCNB

License number with the FCNB: 240046583

Disclosures and licensing information