# Richard Gauthier

> Independent Insurance Broker & Licensed Financial Security Advisor in Quebec.


## Pages

- [Disability & Income Protection](https://paleturquoise-starling-921825.hostingersite.com/disability-income-protection/)
- [Life Insurance](https://paleturquoise-starling-921825.hostingersite.com/life-insurance/)
- [Contact](https://paleturquoise-starling-921825.hostingersite.com/contact/)
- [About](https://paleturquoise-starling-921825.hostingersite.com/about/)
- [Home](https://paleturquoise-starling-921825.hostingersite.com/)

## Products

- [Business Continuity Review](https://paleturquoise-starling-921825.hostingersite.com/product/business-continuity-review/): Review how the loss of a key owner or a prolonged absence could affect a small business and the people who depend on it. Discuss life and disability insurance considerations alongside your existing continuity plans.
- [Critical Illness Review](https://paleturquoise-starling-921825.hostingersite.com/product/critical-illness-review/): Discuss how critical illness insurance works, what its benefit is designed to address, and whether it complements your existing protection. The appointment includes time to review key policy terms and your questions.
- [Self-Employed Safeguards](https://paleturquoise-starling-921825.hostingersite.com/product/self-employed-safeguards/): Map how a work interruption could affect your personal income and business commitments as a self-employed professional. Discuss disability coverage considerations and how they relate to QPP and QPIP benefits.
- [Income Protection Review](https://paleturquoise-starling-921825.hostingersite.com/product/income-protection-review/): Assess how disability insurance could support your household if illness or injury interrupts your work income. Review existing workplace benefits alongside relevant Quebec programs and identify potential gaps to discuss.
- [Permanent Coverage Review](https://paleturquoise-starling-921825.hostingersite.com/product/permanent-coverage-review/): Explore whether permanent life insurance fits your long-term protection goals and financial circumstances. Discuss the policy structure, costs, and questions to weigh before considering an application.
- [Term Coverage Review](https://paleturquoise-starling-921825.hostingersite.com/product/term-coverage-review/): Compare term life coverage needs against your mortgage, dependants, and the years your household relies on your income. The session clarifies suitable coverage considerations without assuming that more insurance is always better.
- [Family Life Plan](https://paleturquoise-starling-921825.hostingersite.com/product/family-life-plan/): Review term and permanent life insurance options in the context of your family’s income, debts, and future needs. Leave with a clear picture of the coverage questions to resolve and possible next steps.
- [Coverage Check-Up](https://paleturquoise-starling-921825.hostingersite.com/product/coverage-check-up/): Book a focused 15-minute review of your current insurance, priorities, and questions. It helps identify what may need a closer look before you decide on a full planning appointment.


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