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The value of a pension plan forms an integral part of the family patrimony under the Civil Code of Québec. When this value is not provided by the pension plan administrator, an independent actuarial assessment becomes essential.We determine the actuarial value of the pension plan in accordance with applicable legislation and actuarial standards. Our clear and structured report supports former spouses and their legal advisors in achieving a fair and well-documented division of their pension plan.

Family patrimony following a marital breakdown

When a harmful event results in a financial loss—whether involving income, expenses, or retirement benefits—a robust actuarial analysis becomes essential to support a claim or defense before the courts. Relevant events include:<ol><li data-list-item-id="ea117a1f80f31bb2140ab61653e829177">Bodily injury;</li><li data-list-item-id="e0e68798d4e2bed8054f667a6bed38736">Death;</li><li data-list-item-id="ea83963c9b3a93c650a76dcb21a62d440">Involuntary termination (dismissal);</li><li data-list-item-id="eca8dcfcc3c2c887febe3a5eb8267d6b0">Disputes;</li><li data-list-item-id="e7d585a02ba004fc5a405d0bcf5850344">Any other adverse event.</li></ol>We quantify past and future financial losses and produce a clear, rigorous actuarial expert report designed to effectively support your case. Our experts can also testify before the courts or other tribunals when required, providing valuable support throughout your proceedings.

Expert testimony and litigation support

Ensure the credibility and strength of your financial statements through an independent actuarial assessment. We support public and private organizations in the calculation and audit of their reserves, including:<ol><li data-list-item-id="eb005a4ca79dc08f6f7f2c1293cb0dc7d">Extended warranties;</li><li data-list-item-id="efdb40368ffc69b23db6629db24be450e">Self-insured employee benefit programs;</li><li data-list-item-id="e9921a647b926eeabc026fea33c7b3cef">Non-registered pension plans;</li><li data-list-item-id="ee9654b44c146b6574d3ea92d9f9956db">Reserves set aside for future expenses.</li></ol>We validate the compliance of methods, assumptions, and results in accordance with best practices to determine whether reserves are set at an appropriate level. Each engagement concludes with a detailed report, ensuring rigour, transparency, and compliance.

Actuarial valuation and reserving

A transfer, disposition, or donation of a life insurance policy can have significant tax implications. In such cases, the fair market value (FMV) must be determined accurately.We perform the FMV calculation and produce an actuarial report that meets market standards and requirements, supporting your tax, corporate, or estate planning objectives.

Valuation of individual life insurance policies

Longevity risk is a key factor for pension plans. In collaboration with the Optimum Group, we use advanced models supported by robust data to develop reliable mortality assumptions.We conduct comprehensive longevity analyses, incorporating mortality data, plan provisions, demographic profiles, and socioeconomic factors. Our reports provide a more accurate estimate of the life expectancy of plan members—an essential assumption for the proper funding of pension plans.

Longevity analysis for pension plans

Turn your data into a true strategic advantage. Predictive analytics enables you to anticipate trends, optimize decision-making, and reduce risk in an environment where data is rapidly expanding.We support you in optimizing your databases, developing dashboards, enhancing business intelligence, and implementing tailored predictive models. Our solutions are flexible, scalable, and independent of proprietary software—delivering a tangible impact on your operations and results.

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Actuarial expertise services

Family patrimony following a marital breakdown

Expert testimony and litigation support

Actuarial valuation and reserving

Valuation of individual life insurance policies

Longevity analysis for pension plans

Predictive analytics

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