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Joël Gagnon

Joël Gagnon

Financial Security Advisor
Independent Representative
1 (450) 558-3553
joel@norga.io
Products offered

About

Joël Gagnon is a financial security advisor and independent representative registered with Quebec's Autorité des marchés financiers (AMF). For more than 10 years, he has helped families and self-employed workers make the right choices in life insurance, mortgage insurance, disability insurance and critical illness insurance.

Blog and guides

Articles and guides
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Term vs. Permanent Life Insurance: Understanding the Differences

Term vs. Permanent Life Insurance: Understanding the Differences

Term, permanent, whole life, universal life, T10, or T20: the different types of life insurance can seem confusing. However, each offers different features when it comes to coverage length, premiums, and benefits. Before comparing prices, it helps to understand how these types of insurance work and what makes them different.

4 min
Mortgage insurance in Quebec: understanding individual coverage

Mortgage insurance in Quebec: understanding individual coverage

Buying a property is a major financial commitment. A death, disability, or serious illness can affect your ability to keep up with mortgage payments.Individual insurance can provide financial protection in these situations. Depending on the policy, this may include life insurance, disability insurance, or critical illness insurance. These types of coverage can be purchased separately or combined into one policy.

6 min
Critical Illness Insurance in Quebec: Understanding How It Works

Critical Illness Insurance in Quebec: Understanding How It Works

Being diagnosed with cancer, having a heart attack, or suffering a stroke can affect much more than your health. Taking time off work, travelling for treatment, and keeping up with everyday expenses can quickly create financial stress while you're recovering.That's where critical illness insurance can help. But how does it work, which illnesses are covered, and when can you receive a payout?

6 min
Disability Insurance in Quebec: How Does It Work and What Does It Cover?

Disability Insurance in Quebec: How Does It Work and What Does It Cover?

Disability insurance replaces a portion of your income if an illness or accident prevents you from working. Here is how it works, what it covers, and the factors that influence its cost.

4 min
Life Insurance in Quebec: How It Works and Why It Matters

Life Insurance in Quebec: How It Works and Why It Matters

Life insurance provides financial protection by paying a sum of money to a beneficiary when the insured person passes away. It can help protect loved ones, cover financial obligations, or leave an inheritance.But how does life insurance work, what is it used for, and when might it be useful?

5 min