We use an analytical approach when identifying risk exposures. Our aim is limit the costs associated with existing risks and unforeseen exposures.

With a multidisciplinary team using a diagnostic and targeted approach, we break the endless cycle of laborious, costly insurance submissions that often fails to deliver the desired results.

We ensure that our clients receive a favorable insurance rate by limiting Insurer changes, while maintaining coverages that suits their needs.


Kamal Mekhael completed a PhD at the University of Geneva and a post-doctorate at McGill University. Subsequently, he worked for both US and Montreal based Financial Institutions where he built and managed multi-million-dollar insurance divisions.

He founded Mekhael Insurance and Financial Services in 1990, while completing a dual Chartered certification in both Life Insurance and Property & Casualty.


A graduate of McGill University, Joseph has several years of experience in the world of insurance and finance. He specializes in niche insurance products and regularly deals with major insurers to offer his clients the products that meet their needs.

Joseph obtained the Chartered Financial Analyst (CFA) designation and uses his financial analyst training to tackle insurance advisory mandates. He focuses on offering a tailored risk analysis adapted to each clients’ needs.


After graduating from Concordia University, Anne Mary dedicated herself to the world of insurance and finance. She completed a CRM (Canadian Risk Management) certification and is in the process of obtaining her CIP (Chartered Insurance Professional) designation.

Specialized in Private Client Insurance, she has been at the head of the department since its creation. Her analytical skills, her ease with clients and her ability to manage important files, make her a strategist and a leading manager within the firm.