Martel et Martel
Our services

“When I became an entrepreneur, I quickly realized that we are never better managed by anyone other than by ourselves.”

Richard Martel, President, expert in self-managed group insurance




We are amongst the few firms with an exclusive access to Canada’s largest association plan. And even though our firm is specialized in maximizing traditional and self-managed group insurance, we prefer self-managed plans since, to us, they represent the future of group insurance.

As a business owner, it is crucial to know where you spend. Self-management allows you full control to manage the group’s costs while offering the same protections as a traditional group insurance model. Self-management is more transparent, more economical, and more flexible for business.

of Self-Management

Independent management of surplus: trade in, reinvest or redistribute. A lower-than-predicted claim rate generates a surplus that you keep.


Cost control: Check your organization’s use of the plan at any time and obtain monthly reports on its performance.


Simplified financial planning: adjust your plans according to employees’ actual expenses.
Substantial savings: Put an end to continuous premium increases by encouraging a health and safety culture within your business.


Transparency: Consultation and management fees are established from the beginning.


Offered Services

Actuarial services

Deductions at source (HR software)

Employee assistance program (EAP)

Group RRSP

Performance optimization programs

Financial planning

Private wealth management

Products Offered

Life Insurance

Accidental Death & Dismemberment Insurance

Short-Term and Long-Term Disability Insurance

Travel Insurance

Critical Illnesses Insurance

Medical Care*

Dental Care

Health Spending Account

* Medical fees, paramedical, prescription drugs, etc.

A Culture
of Health

The objective of the group wellness programs is to strengthen your employees’ health and wellbeing in order to improve their performance, to reduce the use of medication and lower the risk of accidents.


Exceptional Benefits

When you do business with us, your company automatically becomes a member of an exclusive group formed by our firm in order to offer smaller businesses benefits that are usually reserved for large organizations.