Le courtier coûte-t-il quelque chose au client?

Non — le courtier est rémunéré par l'assureur sous forme de commission. Votre prime est la même qu'en direct, souvent moins car nous avons comparé pour vous.

Comment vérifier qu'un courtier est légitime au Québec?

Vérifiez son numéro de cabinet AMF sur lautorite.qc.ca. Assur360 = plateforme partenaire de cabinets certifiés AMF, courtiers membres Chambre de l'assurance.

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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 firm, compares 9+ insurers in 3 minutes — free, no obligation, in French in Quebec.

Insurers Compared

3 min

Online Quote

100 K+

Submissions since 2014

-40 %

Potential savings

COURTIER ASSURANCE VIE QUÉBEC

Soumission gratuite en 3 minutes

Comparaison avec 9+ assureurs québécois. Aucun engagement.

Démarrer ma soumission

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

Broker Agent,

Criterion	Independent	Captive	Bank Advisor
Number of insurers offered	: 9+ insurers	1 only	1-2 (subsidiaries)
Independence	✓ Works for you	✗ Works for the insurer	✗ Works for the bank
Personal advice	✓✓✓	✓✓✓	✓ (often generic)
Average Prime	Price-20 to -40%	Market Price	Often +30-50%
Fees for you	$0 (paid by insurer)	$0 $	0
Claims Support	✓ (Advocate Role)	Variable	Limited

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, a life broker comparator in Quebec, work?

Life insurance broker in Quebec analyzing a policy — A broker from a partner firm analyzes your profile and negotiates the best premium with 9+ insurers.

Fill out the form in 3 min

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

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.).

Receive 2-3 proposals within 24 hours

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

Subscribe online

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

Nos 9+ assureurs partenaires en assurance vie

→ L’Unique → SSQ → Desjardins → Industrielle Alliance → Manuvie → Sun Life → Beneva → Economical → Promutuel

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 their AMF firm number on lautorite.qc.ca. All life insurance brokers in Québec must be registered with the Autorité des marchés financiers (AMF) and a member of the Chambre de l’assurance. Assur360 = partner platform of AMF-certified firms, brokers who are members of the Chambre de l’assurance.

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.

PRÊT À COMPARER?

Trouvez la meilleure assurance vie au Québec

3 minutes en ligne. 9+ assureurs comparés. Aucun engagement.

Démarrer ma soumission 1-866-357-4451