204-943-8425
How We Work.
Insurance planning starts with understanding you, not selling you a policy.
At Pereux Insurance Planning, we take the time to learn about your circumstances, explain your options and recommend insurance solutions that fit your needs. Whether you’re protecting your family, planning for your business or reviewing existing coverage, our goal is to help you make informed decisions with confidence.
Based in Winnipeg, Manitoba, we’re an independent life insurance brokerage known across Canada for supporting business owners, incorporated professionals and entrepreneurs. Our independence means we can compare options from multiple insurance companies rather than recommending products from just one provider.
And our relationship doesn’t end when your policy is in place. We’re here to help as your life, business and insurance needs change.
What to Expect When Working with Pereux
From your first conversation to ongoing insurance reviews, our team guides you through each stage of the process. Here’s what you can expect when working with us.
Getting to Know You
Your first meeting is about getting to know you and understanding what matters most.
We’ll start by introducing ourselves and explaining how we work. Then we’ll ask questions about your circumstances, goals and concerns. Depending on your situation, that might include your family, business, existing insurance coverage or future plans.
We want to understand what you’re trying to protect and what you hope to accomplish before recommending any insurance solutions.
You don’t need to have everything figured out before contacting us. The first conversation is an opportunity to ask questions, share your concerns and explore what kind of insurance planning might make sense for you.
You won’t typically need to discuss detailed medical information during your first meeting. Those questions generally come later, if you decide to proceed with an insurance application.
Exploring Your Options
Once we understand your situation, we’ll assess your insurance needs and explore appropriate options.
As independent insurance brokers, we work with multiple insurance companies and consider more than just the cost of coverage. Depending on your circumstances, we may compare policy features, available coverage, underwriting considerations and how different solutions fit your goals.
We’ll explain our recommendations, answer your questions and help you understand the options before you make a decision.
For business owners and incorporated professionals, insurance planning may also involve corporate structures, succession planning or coordination with an accountant or other professional advisor.
Applying for Coverage
If you decide to move forward with an insurance recommendation, we’ll help you through the application process.
Life insurance applications typically require personal and medical information. A licensed advisor will explain what’s needed, guide you through the questions and discuss how your information is handled.
The insurance company then reviews your application through a process called underwriting. This helps the insurer assess your eligibility for coverage and determine the terms it can offer.
Depending on the application, the insurer may request additional information before making a decision.
Our team helps you understand what’s happening throughout the process, responds to questions and works with the insurance company as your application progresses.
Putting Your Coverage in Place
Once an insurance company makes an offer, we’ll review the terms with you and explain how they compare with the original recommendation.
If you decide to accept the coverage, we’ll help with the next steps to put your policy in place.
For corporate insurance, we’ll also discuss relevant ownership and planning considerations, so the coverage fits the intended business arrangement.
Our goal is to make sure you understand what you’ve purchased, why it was recommended and when you should contact us about changes.
Ongoing Service and Reviews
Insurance planning isn’t a one-time decision. As your life and business change, your coverage may need to change too.
We maintain long-term relationships with our clients and offer annual insurance reviews. These conversations help us understand what’s changed and whether your existing coverage still meets your needs.
For example, you might want to revisit your insurance after:
- Starting or expanding a business
- Changes to your corporate structure or business ownership
- Getting married, having children or other family changes
- Buying or selling a business
- Changes to your financial responsibilities or estate planning goals
Our support goes beyond regular reviews. Whether you need to make changes to your policy, update beneficiary or banking information or navigate a claim, our team is here to help. You can also reach out between reviews whenever questions or new needs arise.
We want to stay involved so your insurance planning can evolve alongside your circumstances.
“There is no one we would rather place our trust in. Rene and Nancy have proven that our best interests are truly what they strive to serve. They communicate the difficult world of insurance in a clear and easy way to understand. The entire team has been extremely accommodating and professional. The people at Pereux Insurance Planning are not just advisors, they have become our friends.”
“We have dealt with Lianne and Pereux Insurance Planning Inc. for our firm’s insurance needs since our inception. Lianne provides attentive and professional customer service and has worked collaboratively with us to find insurance solutions to meet our needs. She makes a point of staying in touch with us on a regular basis and is quick to respond to changes in our business and insurance needs. Lianne inspires confidence with a personal touch.”
“We have dealt with Pereux Insurance Planning since its inception. Recommendations and services have been delivered in a timely and cost effective manner. They have been proactive on their products. They are honest and trustworthy.”
“I have been impressed with the diversity of knowledge and the scope of the staff with whom I have dealt. They research my options diligently and present the material in a lucid and competent manner. I am being very well served and I feel financial secure for my future.”
“It is certainly an honour to relate to our colleagues in the agricultural industry our experience with Pereux Insurance Planning. We have worked with several financial and insurance advisors in the past but were continuing our search to find an advisor with the knowledge and experience that fulfilled our needs. We feel that we have found those professionals in Pereux Insurance Planning as they have a rare expertise that is above all others that we have ever experienced.”
“We have been dealing with Pereux Insurance Planning for over 20 years, both personally and professionally and they have always been there for us. They have helped us plan for our future, protect our family, and developed an excellent benefits program for our staff. Rene, Nancy, and Lianne are always there with insightful advice to make planning for the future easy.”
“I’ve been a client of Pereux Insurance Planning for nearly 40 years. They have second-to-none expertise and life insurance products for owner managed businesses and professionals. They have assisted me with both tax planning and estate planning. I’ve been so pleased with their assistance that I’ve introduced both clients and family to Pereux Insurance Planning. Rene and Nancy are a pleasure to deal with.”
We understand that insurance applications can involve sensitive personal and medical information.
That’s why we explain what information is required, why it’s needed and how it will be used before proceeding with an application.
Your first meeting typically focuses on your circumstances and insurance needs rather than detailed health questions. If you decide to apply for coverage, a licensed advisor will guide you through the required personal and medical questions.
Information collected for an application is provided to the insurance company for underwriting. We explain the confidentiality process and applicable disclosures so you understand how your information will be handled.
Being declined for life insurance or offered coverage at a higher premium can be frustrating, especially when you need insurance to protect your family or support a business plan.
A previous decision doesn’t necessarily mean every insurance company will assess your circumstances the same way.
At Pereux, we have experience working with clients whose applications involve medical conditions, lifestyle considerations or other underwriting challenges.
These situations can include health concerns, certain occupations or activities, and other factors that insurers consider when assessing risk.
Our team has experience preparing complex applications and working with underwriters at major Canadian insurance companies. As independent brokers, we can explore different insurers and consider how their underwriting approaches may apply to your circumstances.
If you’ve previously been declined, offered a higher premium or received an exclusion, we can review your situation and discuss whether other options may be worth exploring.
Ready to Talk About Your Insurance Needs?
Whether you’re exploring life insurance for the first time, reviewing an existing policy or dealing with a more complicated insurance situation, we’re here to help you understand your options.
You don’t need to know exactly what coverage you need before reaching out. That’s what the conversation is for.
FAQs
Your first meeting is a conversation about your family, business, goals and insurance needs. We’ll explain how we work, ask questions to understand your circumstances and discuss possible next steps. Detailed medical questions generally come later if you decide to apply for coverage.
Life insurance applications typically require personal information and answers to health and medical questions. Depending on the insurer and type of coverage, additional information may be requested during underwriting. Your advisor will explain what’s required as you move through the process.
As an independent insurance brokerage, Pereux compares options from multiple insurance companies. We consider factors such as coverage, cost, policy features and underwriting requirements to help identify solutions suited to your needs.
Pereux treats personal and medical information as confidential and explains how it is collected and shared for insurance applications. Required information is provided to the insurer for underwriting. Your advisor can explain the relevant disclosures and confidentiality procedures before you apply.
Pereux can review your circumstances and explore whether other insurance companies or coverage options may be appropriate. Different insurers may assess certain medical or lifestyle factors differently, but approval and pricing are never guaranteed.
Yes. Pereux offers annual insurance reviews and ongoing support as clients’ circumstances change. You can also contact the team between reviews if your family, business, corporate structure or insurance needs change.