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Life Insurance Broker in Quebec — Comparison of 9+ Insurers | Assur360

A life insurance broker is an AMF-certified professional who works for you (not for a single insurer), and who compares the offers of several insurers to find you optimal coverage at the right price. Assur360, an independent comparison platform, compares 9+ insurers in 3 minutes — free, no obligation, in French in Quebec.

9+
Insurers Compared
3 min
Online Quote
100,000+
Submissions since 2014
-40 %
Potential savings

LIFE INSURANCE BROKER QUEBEC

Free Quote in 3 Minutes

Comparison with 9+ Quebec insurers. No commitment.

Start my quote

Broker vs. Agent vs. Bank — What’s the Difference?

firms Agent,
CriterionBroker of our partnerCaptiveBank Advisor
Number of insurers offered: 9+ insurers1 only1-2 (subsidiaries)
Independence✓ Works for you✗ Works for the insurer✗ Works for the bank
Personal advice✓✓✓✓✓✓✓ (often generic)
Average PremiumPrice-20 to -40%Market PriceOften +30-50%
Fees for you$0 (paid by insurer)$0 $0
Claims Support✓ (Advocate Role)VariableLimited

Why choose a life insurance broker?

💰

Actual savings 20-40%

Comparing 9+ insurers makes it possible to find surprising differences for identical coverage. A 40-year-old non-smoking man can pay $22/month for one and $45/month for the other — for the same policy, $250K T20.

🎯

Independent personal advice

The broker listens to you, analyzes your profile (needs, mortgage, children, health) and recommends the right product — not the one that pays the most commission.

⚡

Quick Quote

3 minutes online via Assur360. Personalized response within 24 hours with 2-3 quantified proposals. No credit card required.

🛡️

Complaint support

If a loss occurs, your broker represents you before the insurer. In Quebec, this is a major advantage of the brokerage formula.

How does Assur360, an independent life insurance comparison platform in Quebec, work?

Life insurance broker in Quebec analyzing a policy
1

Fill out the form in 3 min

Your information: age, smoker/not, general health, desired amount, type of coverage. No payment.

2

Analysis by an AMF broker

Your file is studied by a certified broker. It interviews 9+ partner insurers (L’Unique, SSQ, Desjardins, iA, Manulife, Sun Life, Beneva, etc.).

3

Receive 2-3 proposals within 24 hours

Clear comparison: premium, coverage, additional coverage. No pressure. You choose freely.

4

Subscribe online

Electronic signature. Policy active within 24 hours of approval. Average savings: 20-40%.

Frequently asked questions — Life insurance broker

Does the broker cost the client anything?
No. The broker is paid by the insurer in the form of a commission, not by you. Your premium is the same as if you were buying directly — and often less, because we compared for you.
How do I verify that a broker is legitimate in Quebec?
Check its AMF partner firm number on lautorite.qc.ca. All life insurance brokers in Quebec must be registered with the Autorité des marchés financiers (AMF) and a member of the Chamber of Insurance. Assur360 = partner platform of AMF-certified firms, brokers who are members of the Chamber of Insurance.
Can I change brokers during the course of the contract?
Yes, at any time. All you have to do is notify your insurer in writing of the change of broker. Your policy remains active, but now the new broker is with you.
How long does it take to get a quote?
Via Assur360: 3 minutes to fill in the form, then 24 hours to receive 2-3 quantified proposals. If you accept an offer: an additional 24-48 hours to take out and activate the policy (depending on the medical examination requested).
Can my broker change my policy after I have taken out?
Yes. Your broker remains your single point of contact for adjusting the coverage (changing the amount, adding a guarantee, converting a temporary to a permanent, etc.). Everything goes through him — easier than talking directly to the insurer.
Which insurers does Assur360 represent?
9+ insurers: L’Unique, SSQ, Desjardins, Industrial Alliance, Manulife, Sun Life, Beneva, Economical, Promutuel, and others depending on your profile. This diversity = a solid basis for comparison and negotiation.
What’s the difference between term and permanent life insurance?
Term life insurance covers you for a set period (10, 20, 30 years) at a lower premium, ideal for temporary needs (mortgage, dependents). Permanent life (whole life, universal life) lasts your entire life and builds cash value, but premiums are 5 to 10× higher. The right choice depends on your goals and horizon.
How much life insurance do I need?
A common rule: 10 to 12× your annual salary if you have dependents, plus enough to clear the mortgage and fund children’s education. Advisors often use the DIME formula (Debt + Income replacement + Mortgage + Education). Your Assur360 partner broker helps quantify it for your situation.
Can I compare life insurance rates online?
Yes. Assur360’s AMF-certified partner life brokers compare rates from 9+ insurers (Manuvie, Sun Life, iA, Beneva, Desjardins, SSQ, Industrielle Alliance, RBC, Empire Life). A single form gives you multiple quotes to compare.
Does life insurance require a medical exam?
It depends on age and coverage amount. Under $500K and under 45, most insurers offer simplified issue (no exam, just a questionnaire). Higher amounts or older applicants typically require a paramedical exam (blood, urine, blood pressure). Some insurers offer no-exam policies at slightly higher rates.
Is my quote free?
Yes. Getting a life insurance quote via Assur360 is 100% free with no obligation. Only when you accept a proposal does the underwriting process begin — and even then, you retain the right to cancel during the free-look period (typically 10-30 days).

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3 minutes online. 9+ insurers compared. No commitment.

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