The Special Markets Group (“SMG”) of Industrial Alliance Pacific Insurance and Financial Services Inc. (“IAP”) has served the special risk insurance market across Canada for more than 45 years. SMG strives to provide responsive and creative insurance solutions to match the needs of specialized and unique groups. Through our flexibility, product innovation, sales and service expertise and focus, we are proud to be a leader in special risk insurance. Our underwriting expertise and strong alliances with reinsurance specialists enable us to provide our clients with sound coverage at affordable prices.

What Sets Us Apart?

	We insure unique groups and situations that other insurance companies decline.
	Our rates are competitive while offering superior coverage.
	We offer several premium payment options on a number of programs.
	We provide flexible product administration options.
	Our products are easy to bind and renew.
	We have flexible broker compensation arrangements.
	We have a strong reputation for our fair and responsible claims adjudication practices.
	Our exceptional customer service and support ensure client satisfaction.
	We have experienced underwriters in each of our regional offices who provide fast, personalized service.

SMG offers a variety of products that can be customized into a package or offered as stand-alone coverage. For more details on the products available, please click on the links below:

Accidental Death & Dismemberment Insurance

Critical Illness Insurance

Student Accident Insurance

Life Insurance

Travel Medical Insurance

Expatriate & Inpatriate Medical Insurance

Creditor Insurance

Medical Access Insurance