Combien coûte une assurance vie au Québec ?

Pour un non-fumeur en bonne santé : 21 à 25 $/mois à 30 ans, 31 à 38 $ à 40 ans, 75 à 95 $ à 50 ans, pour un capital de 500 000 $ en T20. Les fumeurs paient environ 2,2× plus.

Quelle est la différence entre temporaire et permanente ?

La temporaire (T10, T20, T25, T30) couvre une période fixe à coût modéré. La permanente couvre toute votre vie et accumule une valeur de rachat, mais coûte 4 à 6× plus cher. Pour la majorité des familles, une temporaire suffit largement.

Faut-il passer un examen médical ?

Pour la plupart des montants jusqu'à 500 000 $, un simple questionnaire santé suffit. Au-delà, un examen sanguin et urinaire peut être demandé selon votre âge.

L'assurance vie est-elle nécessaire si j'ai déjà l'assurance hypothécaire de la banque ?

Oui. L'assurance bancaire diminue avec votre solde et bénéficie à la banque, pas à votre famille. Une assurance vie individuelle verse le capital complet à vos bénéficiaires.

Le capital décès est-il imposable ?

Non. Au Canada, le capital décès versé aux bénéficiaires désignés est 100 % non imposable et exclu de la succession.

Puis-je transformer une temporaire en permanente plus tard ?

Oui — la plupart des contrats temporaires incluent une clause de transformation en permanente sans nouveau questionnaire santé, généralement avant 65-70 ans.

Quel montant de couverture choisir ?

Règle simple : 5 à 10 fois votre revenu annuel brut. Pour un salarié à 60 000 $, comptez 300 000 à 600 000 $. Ajoutez le solde de votre hypothèque.

Pourquoi passer par un Conseiller en sécurité financière plutôt que directement par un assureur ?

Un Conseiller compare plusieurs assureurs en une seule demande, ce qui peut représenter 30 à 50 % d'économies. Service 100 % gratuit, rémunéré par l'assureur.

Free Life Insurance Quote in Quebec

Compare multiple life insurers in 3 minutes

Beneva, iA, Manulife, Sun Life, Empire — an AMF Certified Financial Security Advisor is shopping for you. No fees, no commitment, no pressure. Starting at $20/month in 2026.

Soumission assurance vie (#49)

Montant d'assurance vie requis ?

3 min

To fill out the form

Insurers Compared

24 hrs

Average response time

100 K+

Quebecers served since 2014

3 types of life insurance: which one is right for you?

There is no such thing as just one life insurance policy. Depending on your age, financial obligations, and budget, the right product will vary. Here are the 3 major families available in Quebec.

⏱️

Temporary (T10, T20, T25, T30)

Coverage for a fixed period of time — often based on the term of the mortgage. The most affordable, ideal for protecting a loan or young children.

Starting at $15/month for $250,000

♾️

Permanent (Whole Life)

Lifetime coverage with cash value that accrues. More expensive, but a transferable and stable financial asset.

Starting at $80/month for $100,000

📈

Universal

A hybrid between permanent and placement. You can adjust the premiums and invest the surplus with a tax shelter. For advanced profiles.

Tailor-made according to the wealth strategy

How it works

You fill out the form (3 min)

Amount, duration, health profile. A Financial Security Advisor receives your application immediately.

Comparison of several insurers (24 h)

Beneva, iA, Manulife, Sun Life, Empire — your Advisor gets the best ratings for you.

You choose and sign online

No commitment before signing. Coverage that begins as soon as the insurer approves it (often without a medical exam for moderate amounts).

Individual Life Insurance vs. Bank Mortgage Insurance

Life Insurance

Criterion	Individual	Bank insurance
Paid-up capital	Fixed (amount subscribed)	Decreasing (mortgage balance)
Beneficiary	You choose The	bank (repays the loan)
Cost	30 to 50% cheaper	Higher (group premium)
Portability	Follows you for life	Disappears if you change banks
Medical Exam	Upon Purchase, Lifetime Warranty	Verified Upon Claim (Denial Possible)
Flexibility	Editable, Convertible	None (Fixed)

💡 EXPERT ADVICE

Term life insurance (T20 or T25) covers 95% of the needs of the majority of Quebecers: protecting a mortgage, guaranteeing the education of children, replacing income for 20-30 years. Don’t pay for a permanent one if a term one is enough — save the difference for your RRSP or TFSA.

How much does life insurance cost in Quebec in 2026?

Here’s an estimate of the monthly premiums for $500,000 20-year term (T20) life insurance , a healthy non-smoker:

woman male

Age	Non-smoking	Non-smoking	Smoking (×2.2)
30 years	$21/month	$25/month	≈ $55/month
40 years	$31/month	$38/month	≈ $84/month
50 years	$75/month	$95/month	≈ $209/month
60 years old	$195/month	$245/month	≈ $539/month

2026 indicative estimates based on average prices for Beneva, iA, Manulife, Sun Life and Empire. Your exact price depends on your complete health profile.

Assur360 throughout Quebec

Our Financial Security Advisors serve all of Quebec, including Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières and Saguenay. 100% online quotes and signatures — no need to travel.

Frequently asked questions

How much does life insurance cost in Quebec?

For a healthy non-smoker: $21 to $25/month at age 30, $31 to $38 at age 40, $75 to $95 at age 50, for a principal amount of $500,000 in T20. Smokers pay about 2.2× more. Use the form at the top for an estimate according to your profile.

What is the difference between temporary and permanent?

Term (T10, T20, T25, T30) covers a fixed, moderately costed period of time — ideal for a mortgage or young children. The perm covers your entire life and accumulates a cash value, but costs 4 to 6× more. For the majority of families, a temporary one is more than enough.

Do I need to have a medical exam?

For most amounts up to $500,000, a simple health questionnaire is sufficient. Beyond that, a blood and urine test may be requested depending on your age and history. The Advisor confirms this before signing.

Is life insurance necessary if I already have mortgage insurance from the bank?

Yes, and it is even highly recommended. Bank insurance decreases with your balance and benefits the bank, not your family. Individual life insurance pays the full principal to your beneficiaries, who choose how to use it (mortgage, education, retirement fund).

Is the death benefit taxable?

No. In Canada, the death benefit paid to designated beneficiaries is 100% tax-free. He is also excluded from the estate (does not enter into the will), which avoids probate delays and costs.

Can I change a temporary to a permanent later?

Yes — most temporary contracts (T20, T25) include a conversion clause allowing you to switch to permanent without a new health questionnaire, usually before the age of 65-70. A valuable option if your health deteriorates.

How much cover should I choose?

Simple rule: 5 to 10 times your gross annual income. For an employee with $60,000, count on $300,000 to $600,000. Add the balance of your mortgage and an amount for the children’s education if applicable. Your Advisor calculates a specific amount based on your situation.

Why go through a Financial Security Advisor rather than directly through an insurer?

An Advisor compares several insurers in a single application, which can represent a savings of 30 to 50% compared to a single insurer. It represents you, not the insurer — including in the event of a claim, and its service is 100% free (paid for by the insurer).

Why choose Assur360

✓AMF-certified financial security advisor and member of the CSF

✓Comparison of several insurers (Beneva, iA, Manulife, Sun Life, Empire)

✓More than 100,000 Quebecers served since 2014

✓100% free and non-binding service

✓ 100% online quote and signature

✓ Confidential and Bill 25 compliant data

Also available: critical illness and disability

Critical illness insurance →

Cancer, stroke, heart attack: 1 in 2 Canadians will be affected. Tax-free lump sum from the diagnosis.

Salary/disability insurance →

Replace up to 70% of your income in the event of an extended work stoppage. Not taxable.

Last updated: April 27, 2026