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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 more than 9 insurers in 3 minutes. Brokers from our AMF-certified partner firms.

Get my free quote

Quick response Life insurance pays an amount to your beneficiaries upon your death. In Quebec, indicative monthly premiums start at $15/month (term life 10 years, non-smoker 35 years) depending on the amount, age, health status and type of contract. Compare the best partner insurers.

9+
Insurers Compared
100K+
Submissions processed
3 min
To get a price
100 %
Free and without obligation
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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FREE TOOL · SIMULATOR

How much life insurance do I need?

DIME Method (Debts, Income, Mortuary, 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

Releases your spouse from mortgage, car loans, and other debts. More advantageous than bank mortgage insurance.

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Children’s Future

Guarantees education, childcare and the cost of living even when you’re away. Tax-free capital paid out quickly.

Types of Life Insurance Available

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

⏱️ Term Life (T10 / T20 / T30)

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

♾️ Permanent whole life

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

📈 Universal Life

Combines protection and placement. Premium flexibility. Advantageous for high incomes who have maxed out their RRSP and TFSA.

🏡 Individual Mortgage Life

Advantageously replaces the bank’s loan insurance : fixed capital, portable capital, 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 entire 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%

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

DON’T POSTPONE

Each year of waiting = higher premium for life

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

Compare 9+ Insurers Now

Life insurance service throughout Quebec

The brokers of our AMF-certified partner firms 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

How much life insurance should I take?
The rule of thumb: 10 to 12 times your gross annual salary, plus mortgage balance and debts. Example: income $65,000 + mortgage $280,000 = recommended principal of about $900,000. Our brokers calculate your exact need for free.
Temporary or permanent: which one should you choose?
The term is suitable for the majority of families: it covers the years with the greatest risk (mortgage + dependent children) at an unbeatable price. The perm is relevant for estate planning, guaranteed funeral expenses or high incomes that have focused on RRSPs and TFSAs. Often, the best strategy combines the two.
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. Cash values of permanent policies may have a different tax treatment (contact us).
Do I need to have 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 examination (blood, urine, blood pressure) is requested. For smokers or people with a history, the broker looks for the most lenient insurer.
Is my employer’s life insurance sufficient?
Rarely. Group plans typically cover 1-2 times your salary (so nowhere near the recommended 10-12x). Worse, you lose protection if you leave the job. A portable individual policy complements your group insurance and follows you for life.
What happens if I quit smoking after I subscribe?
After 12 consecutive months without tobacco, you can request a non-smoking reassessment. Your premium can drop by 40 to 60%. The broker coordinates the evidence (saliva test or urinalysis) with the insurer.
Can I change the beneficiary later?
Yes, at any time unless the beneficiary is irrevocable (for example, in the context of a separation). In Quebec, the designated married spouse is automatically irrevocable — an important rule to be aware of when changing your family situation.
Why go through a broker rather than a direct insurer?
An AMF-certified independent broker shops for you among 9+ insurers. He is not tied to a company, so he is looking for the best price AND the best guarantees. Totally free service (paid for by the selected insurer). He also assists you in the event of a complaint.

Why trust Assur360?

✓Partner platform of AMF (Autorité des marchés financiers) certified firms
✓Partner firms that are members of the Chambre de l’assurance (Chambre de l’assurance)
✓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. AMF certified brokers.

Get My Quote 1-866-357-4451

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