Who are we?


Terina Groupe Conseil is a dynamic and passionate team that offers consulting and brokerage in group benefits plans since 2012. We offer tailor-made solutions adapted to the reality of all plan sizes.

We make sure to meet your objectives and answer your expectations proactively and efficiently. We will guide you throughout the plan's process, from its inception up to our ongoing administration assistance. Given we consider your specific needs, you will enjoy the best employee benefits plan.


Our mission is optimizing your group insurance plan.
Our goal is your satisfaction.


Terina Group Conseil is more skilled than traditional brokerage firms, more accessible than large actuarial firms.


We are your business partner!



Our Values


Integrity and trust:

These two values are the foundation of all our business relationships. Our transparency motivates us to present the facts as they are. With us, you always know where things stand.


Thoroughness and Achievement:

Our work is guided by thoroughness and attention to detail. We are always looking to exceed ourselves and exceed your expectations.


Customer Service:

We provide personalized service, focused on efficient communications and same-day return calls.

Our Team

Brenda Sater, GBA, President
Advisor in Group Insurance
and Pensions
Robert Vezina
Robert Vézina, Partner
Advisor in Group Insurance
and Pensions
Pierre Saddik, FCIA, FSA
Senior Actuary



"If you believe that all group insurance brokers are equal, you've never worked with Brenda.

Brenda takes the time to manage for me the entire relationship with the insurance company. She knows the group insurance contract better than me; she understands all aspects and knows how to make it clear to our employees. In addition, she teaches me tax rules that apply to both the employer and employees.

As soon as I have a question, I contact Brenda who responds without delay. Because she is willing to understand our situation and our needs, she is able to negotiate for us the best rates.

I am reassured about my group insurance; Brenda is here to help!"

Céline Bredeau
Human Resources Director

"Brenda is all I expect from a broker:

  • Accessibility,
  • Efficient and reliable service,
  • Quick problem solving, and
  • Knows the market."

Johanne St-Arnauld
General Director

"Brenda is an honest broker, dynamic and fast. She has a great understanding of how group insurance works. She does not just sell rates, but a strategy adapted to our situation that allows us to save in the short, medium and long term."

Donald Tessier
Director of Operations