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Life insurance in Quebec: Compare for free in 2026

Are you looking for life insurance in Quebec that is tailored to your family and financial situation? Assur360 compares the offers of more than 9 Canadian insurers free of charge via our network of AMF certified brokers. Whether you’re looking for 10/20-year term protection, permanent whole life or universal life, get your quote in 3 minutes — no fees, no obligation, no conflict of interest.

LIFE INSURANCE QUOTE

Protect your loved ones starting at $18 per month

Compare over 9 insurers in 3 minutes. AMF certified independent brokers.

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Quebec Family Protected by Independent Life Insurance — Assur360

IN BRIEF

The right life insurance: protection tailored to your loved ones

In Quebec, term life insurance (T10/T20) protects your family during the period that your children are dependent or your mortgage is active — typically $18 to $50/month for $250,000 to $500,000 of coverage. Permanent life (whole life, universal) adds cash value and an estate component.

Important: Avoid life insurance offered by your mortgage lender — it’s often 2 to 3 times more expensive and benefits the bank, not your loved ones. Independent life insurance belongs to you and follows you.

Why buy life insurance in Quebec?

Quebec family planning their life insurance over coffee
Life insurance protects your loved ones for as little as $18 per month in Quebec.

Life insurance pays a tax-free capital to your beneficiaries upon your death. This amount replaces your income, pays off your debts (mortgage, line of credit, cards), covers funeral expenses (about $12,000 in Quebec) and secures your children’s future. Unlike employer-sponsored group plans, individual policies are portable, personalized , and follow you throughout your life.

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DIME Method (Debts, Income, Mortality, Education) — get your personalized amount in 2 minutes.

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Family Financial Security

Replaces your income so your loved ones can maintain their standard of living without financial stress.

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Debt Repayment

Relieves your spouse from the mortgage, car loan, and other debts. More advantageous than bank mortgage insurance.

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Children’s Future

Ensures education, daycare, and living costs even in your absence. Non-taxable capital paid quickly.

Types of Life Insurance Available

Each situation calls for a different product. Our brokers help you choose between the 4 main families of policies offered by Canadian insurers.

⏱️ Term Life (T10 / T20 / T30)

Protection for 10, 20, or 30 years at a fixed premium. Ideal for covering the mortgage and the years when children are dependent. The most affordable.

♾️ Whole Life

Lifetime coverage with cash value that accumulates. Guaranteed fixed premium. Ideal for estate planning and funeral expenses.

📈 Universal Life

Combines protection and investment. Flexible premium. Advantageous for high earners who have maxed out their RRSP and TFSA.

🏡 Individual Mortgage Life

Advantageously replaces bank loan insurance: fixed capital, portable, beneficiaries of your choice.

How to get your life insurance quote

1

Fill out the form in 3 minutes

Age, smoking, desired amount, duration. That’s all we need to get started.

2

An AMF-certified broker contacts you

It analyzes your needs (debts, income, family expenses) and compares more than 9 insurers.

3

Receive 2 to 3 personalized proposals

Compare prices, warranties and options. No commitment. Simplified medical questionnaire depending on the product.

4

Electronic signature and enforcement

Policy issued quickly, often without a medical exam for reasonable amounts. First direct debit on the chosen day.

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Broker Tip: Combine T20 + Whole Life

The most cost-effective strategy for a young parent in Quebec: a 20-year term to cover the mortgage and children, plus a small whole life of $25,000 for funeral expenses and estate taxes. Cheaper than a large perm and more flexible.

Life insurance rates 2026 in Quebec

Indicative monthly premium examples for a 20-year term (T20) policy, principal $500,000, healthy non-smoker.

Age at subscriptionFemale (non-smoker)Male (non-smoker)Smoker’s premium (+)
25 years$18/month$22/month+ 150%
35 years$26/month$32/month+160%
45 years$55/month$78/month+ 180%
55 years old$135 / month$195 / month+ 200%
65 years old$340 / month$510 / month+220%

*Indicative rates 2026 based on capital $500,000 T20. Get your exact price in 3 minutes.

DON’T DELAY

Every year of waiting = higher premium for life

Between ages 30 and 40, your premium can double. Lock in your rate now.

Compare 9+ insurers now

Life insurance service throughout Quebec

Our AMF-certified insurance broker partners serve all regions of Quebec. Whether you live in Montreal, Quebec City, Sherbrooke, Gatineau, Laval, Trois-Rivières, Saguenay or Thetford Mines, we compare the best life insurance offers for you. Telephone or videoconference consultation of your choice, electronic signature anywhere in Quebec.

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Frequently asked questions about life insurance

What amount of life insurance should I take?
The rule of thumb: 10 to 12 times your gross annual salary, plus the mortgage balance and debts. Example: income $65,000 + mortgage $280,000 = recommended capital of about $900,000. Our insurance brokers calculate your exact need for free.
Temporary or permanent: which one to choose?
The temporary option is suitable for most families: it covers the years of highest risk (mortgage + dependent children) at an unbeatable price. The permanent option is relevant for estate planning, guaranteed funeral expenses, or high earners who have maxed out their RRSP and TFSA. Often, the best strategy combines both.
Is life insurance taxable in Quebec?
The death benefit paid to designated beneficiaries is completely tax-free, both federally and provincially. It is one of the few tax-exempt investments in Canada. The cash values of permanent policies may have different tax treatment (consult us).
Do I need to take a medical exam?
For a capital of less than $500,000 and a reasonable age, a simplified medical questionnaire is often sufficient. Beyond that, a free paramedical exam (blood test, urine, blood pressure) is required. For smokers or those with a history, the broker looks for the most lenient insurer.
Is my employer’s life insurance sufficient?
Rarely. Group plans generally cover 1 to 2 times your salary (far from the recommended 10-12x). Worse, you lose the coverage if you leave the job. A portable individual policy complements your group insurance and follows you for life.
What happens if I stop smoking after subscribing?
After 12 consecutive months without tobacco, you can request a non-smoker reassessment. Your premium may drop by 40% to 60%. The broker coordinates the proof (saliva test or urine analysis) with the insurer.
Can I change the beneficiary later?
Yes, at any time unless the beneficiary is irrevocable (for example, in the case of a separation). In Quebec, the designated married spouse is automatically irrevocable — an important rule to know during a change in family situation.
Why go through a broker rather than a direct insurer?
A certified independent AMF broker shops for you among 9+ insurers. They are not tied to a company, so they look for the best price AND the best guarantees. The service is completely free (paid by the selected insurer). They also assist you during a claim.

Why trust Assur360?

✓Partner platform of AMF (Autorité des marchés financiers) certified firms
✓Partner firms that are members of the Chamber of Insurance (Chamber of Insurance)
✓More than 100,000 submissions processed
✓13 partner firms in Quebec
✓Independent brokers — no exclusive affiliation
✓100% free and non-binding service

FREE QUOTE

Protect your family today

Compare 9+ insurers in 3 minutes. No commitment. Certified AMF brokers.

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