Save more with TD Insurance

As a trusted partner, the TD Insurance Meloche Monnex program is dedicated to helping International Association of Fire Fighters members access to preferred insurance rates on home and car insurance coverage.

You could save big* when you combine your member preferred rates and bundle your home and car insurance.

TD Insurance is the leading direct response insurance group in Canada†, offering quality insurance products for over 65 years. From getting a quote to filing a claim, their knowledgeable advisors will help you find options that are right for you.

Click here for more information about how you can save big

*Ranks based on data available from OSFI, Insurers, Insurance Bureau of Canada, and Provincial Regulators, as at December 31, 2015.

*Nationally, 90% of all of our clients who belong to an employer group that has an agreement with us and who insure a home (excluding rentals and condos) and a car on October 31, 2016, saved $469 when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and may vary based on the client’s profile. Savings vary in each province and may be higher or lower than $469.

Click here for more information about how you can save big

Profitez de vos avantages de membre

À titre de partenaire de confiance, le programme TD Assurance Meloche Monnex est conçu pour aider les membres de l’AIP au Canada à avoir accès à des tarifs d’assurance préférentiels sur la protection d’assurance habitation et auto.

Vous pourriez économiser gros* quand vous combinez vos tarifs préférentiels de membre et que vous regroupez vos assurances habitation et auto.

Chef de file de l’assurance à réponse directe au Canada†, TD Assurance offre des produits d’assurance de qualité depuis plus de 65 ans. Qu’il s’agisse d’obtenir une soumission ou de présenter une réclamation, des conseillers avisés vous aideront à trouver des options qui vous conviennent.

Cliquez ici pour savoir comment vous pourriez économiser gros

†Les classements sont fondés sur les données disponibles du BSIF, des assureurs, du Bureau d’assurance du Canada et des organismes de réglementation provinciaux, au 31 décembre 2015.

*À l’échelle nationale, 90 % de nos clients qui font partie d’un groupe employeur avec lequel nous avons une entente et qui font assurer leur résidence (sauf les logements loués et les copropriétés) et leur véhicule au 31 octobre 2016 économisent 469 $ par rapport aux primes qu’ils auraient payées s’ils n’avaient pas obtenu un tarif de groupe préférentiel et un rabais multiproduit. Ces économies ne sont pas garanties et peuvent varier selon le profil du client. Le montant des économies varie d’une province à l’autre et peut être supérieur ou inférieur à 469 $.

Cliquez ici pour en savoir plus et pour voir combien vous pourriez économiser

IAFF Members and Alumni can enjoy preferred rates on the TD Insurance Travel Insurance Plans.

Whether you’re planning a trip for yourself or your entire family, TD Insurance Travel Insurance can help provide protection from certain unexpected events.

TD Insurance Multi-Trip All-Inclusive Plan with coverage that includes:

  • Up to $5 million emergency travel medical coverage
  • Trip cancellation & interruption
  • Baggage/personal effects and baggage delay

TD Insurance Single-Trip Medical Plan with coverage that includes:

  • Up to $5 million emergency travel medical coverage
  • Choice of coverage types: Single (1 person), couple (2 people) and family

TD Insurance Multi-Trip Medical Plan with coverage that includes:

  • Up to $5 million emergency travel medical insurance coverage for multiple trips within one year

TD Insurance Trip Cancellation & Interruption Plan with coverage that includes:

  • Trip cancellation & interruption
  • Baggage/personal effects and baggage delay insurance

Explore your travel insurance options from TD Insurance and/or get an online quote by visiting or call us at 1-833-962-1143 to get a quote or to purchase travel insurance.

Monday to Friday 8am to 9pm EST
Saturday 9am to 5pm EST

TD Insurance Travel Insurance plans (TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi- Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan) are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company.

Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details.

Announcing a new way for IAFF Members and Alumni to save!

IAFF wants to ensure your status as a member and alumni offers you valuable benefits and privileges. That’s why we’re pleased to announce a new agreement with TD Life Insurance Company. TD Life Insurance Company has been helping to protect Canadians for over 20 years with simple insurance products. They offer professional and personalized insurance advice from their salaried life licensed advisors to help you determine the right amount of insurance coverage within your budget.

Take advantage of the features included with the TD Term Life Insurance options.

  1. Application process takes less than 10 minutes.
  2. International Association of Fire Fighters members can save 5% on 10-year or 20-year TD Term Life Insurance premiums or save a total of 10% as an existing TD Insurance Home or Auto customer or TD Wealth client.
  3. Fixed monthly or annual cost over the entire length of your term1.
  4. Automatic renewal at the end of 10- and 20-year plans without medical exams or questions until you turn 80 years old, at which point your coverage ends2.
  5. Option to convert 10- and 20-year plans to permanent coverage any time before you turn 69 years old.
  6. Coverage of up to $10 million.

From getting a quote to assistance with submitting a claim, their knowledgeable advisors will help you find the options that are right for you. As a trusted partner, the TD Life and Health Insurance Affinity Program gives IAFF Members and Alumni premium savings on eligible TD Term Life Insurance.

Help take care of your loved ones who depend on you.

Feel confident knowing life insurance coverage can help protect your family’s financial future. Should you pass away, your beneficiaries receive a tax-free lump sum benefit payment. They can use it to help replace lost income, maintain their standard of living, pay for your children’s education, pay off debt and cover your final expenses.

Feel confident your Term Life Insurance coverage fits your needs. Get a TD Term Life Insurance quote now by calling 1-888-788-0839 or visiting

TD Term Life Insurance is an individual life insurance plan underwritten by TD Life Insurance Company. Some restrictions may apply. See Insurance Policy for coverage details, including limitations and exclusions.

  1. Rates are guaranteed not to increase for the length of your term, regardless of changes to your age or health.
  2. Premiums increase when your term renews.

† The price will be an estimated quote based on the information you provide. Your actual premium may change when we assess your individual circumstances based on the information collected during the application process.

TD Wealth Financial Planning Direct

TD Insurence Meloche Monnex Logo

We’ll help plan the financial future you want.

Is TD Wealth Financial Planning Direct right for you?

  • TD Wealth Financial Planning Direct is a service where you work remotely with a team of financial planners to build your personalized financial plan
  • Financial Planning from the comfort of your home or office
  • Available remotely with more flexible hours 8 AM – 8 PM ET, Monday to Friday to help meet your needs
  • Exclusively for IAFF members and survivors of IAFF members, our minimum household account value is only $50,000

Achieve what truly matters to you

No matter what you need, we’re here to support you and make sure you receive a financial plan you can feel confident in.

  • Building net worth
  • Saving for a big purchase
  • Implementing tax-efficient strategies
  • Saving for retirement
  • Leaving a legacy

Work with our team of TD Wealth Financial Planners

When you make an appointment to meet one of our financial planners, you’ll receive details on what to bring to your first meeting.

Develop your financial plan
Your team of financial planners can recommend strategies for your goals and discuss strategies to help minimize your taxes.

Put your plan into action
Ensure your asset allocation recommendation is in line with your investment timeline and risk tolerance.

Communicate on your terms
Staying informed is important to having confidence in your plan, so we’ll be in touch regularly to keep you updated.

Get access to TD expertise
Enjoy access to exclusive thought leadership content on commentaries and market updates from TD specialists.

Request a call

Planification financière, Gestion de patrimoine TD en direct

Nous vous aiderons avec votre avenir financier.

Planification financière TD en direct vous convient-il?

  • Planification financière, Planification financière TD en direct est un service où vous travaillez à distance avec une équipe de planificateurs financiers pour élaborer votre plan financier personnalisé.
  • La planification financière dans le confort de votre foyer ou de votre bureau.
  • Un service offert à distance avec des heures d’ouverture plus flexibles de 8 h à 20 h HE, du lundi au vendredi, pour vous aider à répondre à vos besoins.
  • Exclusivement pour les membres de l’AIP et les survivants des membres de l’AIP, la valeur minimale de notre compte ménage est de seulement 50 000 $.

Réalisez ce qui compte pour vous

Peu importe ce dont vous avez besoin, nous sommes là pour vous soutenir et nous assurer que vous recevez un plan financier dans lequel vous pouvez avoir confiance.

  • Accroître votre valeur nette
  • Épargner pour un achat important
  • Mettre en place des stratégies fiscales avantageuses
  • Épargner pour la retraite
  • Laisser un héritage

Collaborez avec nos planificateurs financiers

Lorsque vous prenez un rendez-vous, vous recevrez des renseignements sur ce que vous devez apporter.

Élaborer votre plan financier
Votre équipe de planificateurs financiers peut vous recommander des stratégies pour atteindre vos objectifs et discuter de stratégies pour vous aider à réduire l’impôt que vous payez.

Mettre votre plan en œuvre
Assurez-vous que votre recommandation de répartition des actifs est conforme à votre échéancier de placement et à votre tolérance au risque.

Communiquer comme bon vous semble
Il est important que vous restiez informé pour avoir confiance en votre plan, alors nous communiquerons régulièrement avec vous pour vous tenir au courant.

Accéder à l’expertise de la TD
Profitez du contenu exclusif de leadership éclairé sur les commentaires et les mises à jour sur les marchés des spécialistes de la TD.

Demander un appel

Schoenfeld Insurance Associates is working with the IAFF Financial Corporation to provide IAFF Affiliate Locals in Canada with a Limit of Directors & Officers Liability and Employment Practices Liability Coverage at an affordable price with a simple application and underwriting process.

What is Covered?

  • Wrongful Act (in relation to Directors & Officers Liability) for any actual or alleged error, misstatement, misleading statement, act, omissions, neglect or breach of duty
  • Wrongful Employment Practice (wrongful dismissal, discharge or termination)
  • Failure to provide fair representation for volunteers/members
  • The financial mismanagement of the Union
  • Wrongful Dismissal of Employment
  • Other wrongful employment practices such as Harassment, Discrimination and Retaliation
  • Includes, but is not limited to, all of the above

Who Is Covered?

  • Directors and officers of the Union
  • Any duly elected or appointed director, officer, trustee, management committee or an official holding a position equivalent to an executive position while acting within the scope and capacity of the position.
  • Coverage is available in ALL Provinces

Policy Structure

  • Limits are determined by revenue, number of officers, and number of employees of the Local
  • Locals with revenue up to $149,999 revenue are eligible for a policy limit of $250,000
  • Locals with revenue between $150,000 – $499,999 are eligible for a policy limit of $500,000
  • Locals with revenue higher than $500,000 are eligible for a policy limit of $1,000,000
  • Each Local will underwritten separately, and if granted coverage, issued its own independent policy

For more information on our program or to download the Q&A Sheet and Application please visit our website. Any additional questions can be answered by Karen Feger at

DISCLAIMER: “Please note that terms and coverage are not guaranteed. The information provided is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract, nor specific claims outcome. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured.”