2026 Quebec T10 T20 T30 Term Life Insurance: Prices starting at $15/month
Term life insurance is the most economical coverage in Quebec: starting at $15 per month for $500,000 of coverage at age 30, non-smoker. It guarantees a tax-free death benefit paid to your beneficiaries for a fixed period of time — 10, 20 or 30 years (T10, T20, T30). Ideal for covering a mortgage, protecting a young child or replacing working income. Assur360 compares more than 9 Canadian insurers through our AMF certified brokers — free quote in 3 minutes.
SOUMISSION ASSURANCE VIE TEMPORAIRE
Protégez votre famille dès 15 $ par mois
Comparez T10, T20 et T30 en 3 minutes. Courtiers indépendants certifiés AMF.
Obtenir ma soumission gratuite
At a glance
Protect your family from $15/month
Term life insurance (T10, T20, T30) offers affordable protection with a fixed principal for the term you choose. Ideal for covering the mortgage, children or a loan without paying for permanent protection.
Assur360’s partner firms and brokers negotiate the best rates with Canadian insurers — free quotes in minutes.
What is term life insurance (T10 / T20 / T30)?
Term life insurance is a life insurance policy for a limited period of time. You choose a fixed premium that is guaranteed for 10, 20 or 30 years. If you die during this period, the insurer pays the principal (e.g., $500,000) to your beneficiaries — 100% tax-free. If you survive the term, the contract renews at a much higher rate or ends with no cash value. It’s the most affordable commodity to protect a family going through a period of significant financial responsibilities (mortgage, kids, car loan).
T10 — 10-year term
Fixed premium for 10 years. Ideal for young couples who want affordable temporary protection while they consolidate their financial situation.
T20 — 20-year term
Fixed premium for 20 years. The most popular choice in Quebec — covers the full repayment period of a residential mortgage.
T30 — 30-year term
Fixed premium for 30 years. Optimal if you have small children or a long mortgage. Premium a little higher but maximum protection in the long run.
T10, T20 or T30: how to choose?
The choice depends on the duration of your financial obligations. Here’s how to make a quick decision:
🏠 To cover a mortgage
Align the term with your amortization. 25-year mortgage → T25 (if available) or T30. Mortgage already started 10 years ago → T20 is enough.
👶 To protect young children
Choose a term that covers at least until the youngest child’s adulthood (18-25 years old). Children from 2 to 5 years old→ T20 minimum, T30 ideal.
💼 To replace income
Calculate how many years are missing before your planned retirement. At age 35 with retirement at age 65 → T30. At age 50 with retirement at age 65 → T15 or T20.
💵 For a specific financial goal
Student loan (10 years) → T10. Family business in growth phase (15-20 years) → T20. Long business loan or planned estate → T30.
Monthly premium compared by age and term
Here are indicative premiums for $500,000 of capital, a man and a non-smoker, in good health:
| Age | Men’s T10 | Women’s T10 | Men’s T20 | Women’s T20 | Men’s T30 | Women’s T30 |
|---|---|---|---|---|---|---|
| 30 years | $16 | $13 | $23 | $19 | $36 | $29 |
| 35 years | $18 | $14 | $27 | $22 | $44 | $35 |
| 40 years | $22 | $17 | $36 | $28 | $60 | $47 |
| 45 years | $33 | $25 | $58 | $43 | $98 | $73 |
| 50 years | $52 | $38 | $95 | $70 | $165 | $120 |
| 55 years old | $87 | $62 | $160 | $115 | $290 | $205 |
| 60 years | $145 | $102 | $275 | $195 | — | — |
*Primes mensuelles indicatives 2026 pour 500 000 $, non-fumeur, bonne santé. Obtenez votre prix exact en 3 minutes.
How to Apply — The 4-Step Process
Online Quote
Fill out the form in 3 minutes: age, gender, smoking status, desired capital, desired term. No personal financial information at this stage.
Comparison by your AMF broker
We compare the top 9 insurers in Canada (Canada Life, Manulife, Sun Life, iA, Empire Life, RBC, Desjardins, Beneva, Humania) and send you the top 2-3 options.
Insurance application and medical examination
Electronic signature of the application. Depending on age and capital, a quick medical examination at home may be required (free of charge, paid for by the insurer).
Issuance and coming into force
Average delay: 7 to 30 days. Your policy begins with the first payment — the premium is guaranteed for the duration of the term you choose.
The “laddering” strategy — segmenting in several terms
Instead of a single $1,000,000 T30 policy, you can purchase $500,000 in T10 + $500,000 in T30. The T10 portion covers your immediate needs (mortgage) at a lower cost. When it expires, your obligations have decreased — you only keep the remaining T30. Typical savings: 20-30% over 30 years.
T-Permanent Life: Compare options
Term insurance is ideal for covering a specific period of time. If you’re looking for permanent protection (estate, death tax, charitable giving), here’s how the options compare:
| Criterion | T10 / T20 / T30 | Whole Life (T100) | Universal Life |
|---|---|---|---|
| Term | 10, 20 or 30 years | Lifetime | Lifetime |
| Initial premium (40 years old, $500K) | $22 to $60/month | $285/month | $310/month |
| Cash value | None | Yes, guaranteed | Yes, variable |
| Tax-sheltered investment | No | Yes, limited | Yes, full |
| Flexibility premiums | Fixed | Fixed Variable | |
| Best for | Temporarily Protecting | Estate, Inheritance, | High Assets, Taxation |
Pour comprendre en détail, consultez nos guides assurance vie et assurance vie universelle.
Beware of the automatic renewal of your T10
At the end of a T10, most contracts renew automatically and guaranteed without a medical exam — but at a rate 5 to 8 times higher. 6 months before the end of the term, shop around with our brokers to compare: a new T10 or T20 at your new age often costs less than renewal.
COMPARATEUR GRATUIT
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Plus de 9 assureurs comparés. Courtiers AMF indépendants sans conflit d’intérêt.
Obtenir ma soumission 1-866-357-4451Common Options to Add to a T Contract
Option de transformation
Permet de convertir votre temporaire en vie permanente, sans nouvel examen médical, même si votre santé s’est détériorée. Présente sur presque tous les contrats T20/T30.
Exonération de primes
Si vous devenez invalide, l’assureur paie vos primes à votre place. Coût additionnel modeste (5-10 % de la prime) pour une protection clé.
Avenant maladies graves
Ajoute une protection maladies graves (cancer, AVC, infarctus) sur le même contrat. Plus économique que deux polices séparées.
Avenant enfant
Couvre tous vos enfants (actuels et futurs) jusqu’à 25 ans pour environ 5-7 $/mois. Convertible à l’âge adulte sans nouvelle soumission médicale.
Capital décès accéléré
Permet de toucher jusqu’à 50 % du capital de votre vivant si vous êtes diagnostiqué en phase terminale (pronostic < 12 mois). Option gratuite chez la plupart des assureurs.
Double indemnité accidentelle
Double le capital versé si le décès résulte d’un accident. Très peu coûteux (~ 2-4 $/mois) — utile si vous voyagez beaucoup ou travaillez en milieu à risque.
3 mistakes to avoid when subscribing
❌ Underestimating the capital required
Rule of thumb: 7 to 10 times your annual income. A salary of $75,000 → capital of $500,000 to $750,000. Don’t forget: debts + mortgage + 10 years of income + funeral expenses + taxes on death.
❌ Lying about smoking status
Omitting your tobacco or cannabis consumption automatically cancels the contract upon death. A smoker pays about 2 to 2.5 times more, but be honest: nicotine is detected in the blood on examination.
❌ Wait to subscribe
Each past year increases the premium by 8 to 12%. Hospitalization or diagnosis may result in a refusal or a permanent surcharge. Subscribe young and healthy.
❌ Not naming a beneficiary
Without a named beneficiary, the capital enters the estate, is taxable, frozen until probate and can be used to pay debts. Always name a direct beneficiary (spouse, children, trust).
Term Insurance in Quebec: Where We Serve
Our Assur360 brokers support Quebecers throughout the province. We particularly serve Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Lévis and Thetford Mines. No matter your region — Montérégie, Laurentians, Estrie, Mauricie, Saguenay–Lac-Saint-Jean, Chaudière-Appalaches or Abitibi-Témiscamingue — we compare the same 9 major national insurers and negotiate the best conditions for your profile.
To go further
Assurance vie au Québec
Le guide complet : temporaire, permanente, universelle — toutes les protections expliquées.
Assurance vie universelle
Protection permanente + placement fiscalement abrité. Pour profils à actifs élevés.
Assurance maladies graves
Capital forfaitaire dès le diagnostic de cancer, AVC, infarctus ou 21 autres maladies.
Assurance invalidité
Remplace votre revenu si vous ne pouvez plus travailler pour maladie ou accident.
Frequently asked questions — Term life insurance
Why trust Assur360?
SOUMISSION GRATUITE
Votre protection dès 15 $ par mois
Courtiers AMF indépendants — comparaison en 3 minutes, réponse en 24 heures.
Obtenir ma soumission 1-866-357-4451Compare all types of life insurance in Quebec
🏠 Assurance vie — Page principale
Comparez tous les types d’assurance vie au Québec en 3 minutes.
⏱️ Assurance vie temporaire T10/T20/T30
La plus abordable. Idéale pour 10, 20 ou 30 ans.
♾️ Assurance vie permanente
Couverture à vie + valeur de rachat.
💰 Assurance vie universelle
Protection + placement fiscal flexible.
🩺 Sans examen médical
Approbation rapide, sans visite médicale.
🏥 Assurance maladie grave
Capital versé dès le diagnostic d’une des 24 maladies couvertes.