{"id":15592,"date":"2014-09-04T01:04:14","date_gmt":"2014-09-04T05:04:14","guid":{"rendered":"https:\/\/www.assur360.ca\/life-insurance-compare-online\/"},"modified":"2026-04-21T16:37:40","modified_gmt":"2026-04-21T20:37:40","slug":"life-insurance-compare-online","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/","title":{"rendered":"Life insurance in Quebec: Compare for free in 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-vie\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"221 boul. Frontenac Ouest\",\n    \"addressLocality\": \"Thetford Mines\",\n    \"addressRegion\": \"QC\",\n    \"postalCode\": \"G6G 1N3\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": \"Qu\u00e9bec\",\n  \"serviceType\": [\"Assurance vie temporaire\", \"Assurance vie permanente\", \"Assurance vie universelle\", \"Assurance vie hypoth\u00e9caire\"],\n  \"hasCredential\": \"Certifi\u00e9 AMF (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you looking for <strong>life insurance in Quebec<\/strong> that is tailored to your family and financial situation? <strong>Assur360<\/strong> compares the offers of more than 9 Canadian insurers free of charge via our network of <strong>AMF certified brokers<\/strong>. Whether you&#8217;re looking for 10\/20-year term protection, permanent whole life or universal life, get your quote in 3 minutes \u2014 no fees, no obligation, no conflict of interest. <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">LIFE INSURANCE QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-loved-ones-starting-at-18-per-month\"><\/span>Protect your loved ones starting at $18 per month<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare more than 9 insurers in 3 minutes. Independent brokers certified by AMF. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my free quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100K+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Submissions processed<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">To get a price<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free and without obligation<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"max-width:1200px;margin:40px auto;padding:0;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;align-items:center;\">\n    <figure style=\"margin:0;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assurance-vie-hypothecaire-famille-quebec.jpg\" style=\"width:100%;height:auto;border-radius:16px;\" alt=\"Quebec Family Protected by Independent Life Insurance \u2014 Assur360\"\/><\/figure>\n    <div>\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n      <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"The-right-life-insurance-protection-tailored-to-your-loved-ones\"><\/span>The right life insurance: protection tailored to your loved ones<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 12px;\">In Quebec, <strong>term life insurance (T10\/T20)<\/strong> protects your family during the period that your children are dependent or your mortgage is active \u2014 typically <strong>$18 to $50\/month<\/strong> for $250,000 to $500,000 of coverage. <strong>Permanent life<\/strong> (whole life, universal) adds cash value and an estate component. <\/p>\n      <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Important:<\/strong> Avoid life insurance offered by your mortgage lender \u2014 it&#8217;s often <strong>2 to 3 times more expensive<\/strong> and benefits the bank, not your loved ones. Independent life insurance belongs to you and follows you. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-buy-life-insurance-in-Quebec\"><\/span>Why buy life insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">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&#8217;s future. Unlike employer-sponsored group plans, individual policies are <strong>portable<\/strong>, <strong>personalized<\/strong> , and follow you throughout your life.  <\/p>\n\n<div class=\"a360-sim-link\" style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:14px;padding:28px;margin:32px 0;display:flex;gap:20px;align-items:center;flex-wrap:wrap;\">\n  <div style=\"font-size:48px;line-height:1;flex-shrink:0;\">\u2764<\/div>\n  <div style=\"flex:1;min-width:240px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:6px;\">FREE TOOL \u00b7 SIMULATOR<\/div>\n    <h3 style=\"color:#ffffff;font-size:20px;margin:0 0 6px;font-weight:800;\">How much life insurance do I need?<\/h3>\n    <p style=\"color:#94a3b8;font-size:14px;line-height:1.6;margin:0;\">DIME Method (Debts, Income, Mortuary, Education) \u2014 get your personalized amount in 2 minutes.<\/p>\n  <\/div>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/life-insurance-needs-calculator-2026-dime-method-replacement-capital\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:14px;white-space:nowrap;\">Calculate my need\u2192<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc66<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Family Financial Security<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Replaces your income so your loved ones can maintain their standard of living without financial stress.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Debt repayment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Releases your spouse from mortgage, car loans, and other debts. More advantageous than <a href=\"https:\/\/www.assur360.ca\/en\/mortgage-insurance-3\/\" style=\"color:#10c4c7;\">bank mortgage insurance<\/a>. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf93<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Children&#8217;s Future<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Guarantees education, childcare and the cost of living even when you&#8217;re away. Tax-free capital paid out quickly. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Life-Insurance-Available\"><\/span>Types of Life Insurance Available<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Each situation calls for a different product. Our brokers help you choose between the 4 main families of policies offered by Canadian insurers. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u23f1\ufe0f Term Life (T10 \/ T20 \/ T30)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">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.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u267e\ufe0f Permanent whole life<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Lifetime coverage with cash value that accrues. Guaranteed fixed premium. Ideal for estate planning and funeral expenses.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcc8 Universal Life<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Combines protection and placement. Premium flexibility. Advantageous for high incomes who have maxed out their RRSP and TFSA.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfe1 Individual Mortgage Life<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Advantageously replaces <a href=\"https:\/\/www.assur360.ca\/en\/mortgage-insurance-3\/\" style=\"color:#10c4c7;\">the bank&#8217;s loan insurance<\/a> : fixed capital, portable capital, beneficiaries of your choice.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-life-insurance-quote\"><\/span>How to get your life insurance quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the form in 3 minutes<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Age, smoking, desired amount, duration. That&#8217;s all we need to get started. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">An AMF-certified broker contacts you<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">It analyzes your needs (debts, income, family expenses) and compares more than 9 insurers.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Receive 2 to 3 personalized proposals<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Compare prices, warranties and options. No commitment. Simplified medical questionnaire depending on the product.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Electronic signature and enforcement<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Policy issued quickly, often without a medical exam for reasonable amounts. First direct debit on the chosen day. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Broker Tip: Combine T20 + Whole Life<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">The most cost-effective strategy for a young parent in Quebec: <strong style=\"color:#ffffff;\">a 20-year term to cover the mortgage and children<\/strong>, plus <strong style=\"color:#ffffff;\">a small entire life of $25,000<\/strong> for funeral expenses and estate taxes. Cheaper than a large perm and more flexible. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Life-insurance-rates-2026-in-Quebec\"><\/span>Life insurance rates 2026 in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Indicative monthly premium examples for a <strong>20-year term (T20)<\/strong> policy, principal $500,000, healthy non-smoker.<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Age at subscription<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Female (non-smoker)<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Male (non-smoker)<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Smoker&#8217;s premium (+)<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">25 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$18\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$22\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 150%<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">35 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$26\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$32\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+160%<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">45 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$55\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$78\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 180%<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">55 years old<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$135 \/ month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$195 \/ month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 200%<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">65 years old<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$340 \/ month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$510 \/ month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+220%<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*2026 indicative rates based on $500,000 T20 capital. <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">DON&#8217;T POSTPONE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Each year of waiting = higher premium for life<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Between the ages of 30 and 40, your premium can double. Lock in your rate now. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare 9+ Insurers Now<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Life-insurance-service-throughout-Quebec\"><\/span>Life insurance service throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Our AMF-certified broker partners serve all regions of Quebec. Whether you live in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Gatineau<\/strong>, <strong>Laval<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> or <strong>Thetford Mines<\/strong>, we compare the best life insurance offers for you. Telephone or videoconference consultation of your choice, electronic signature anywhere in Quebec.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles-on-protecting-people\"><\/span>Related articles on protecting people<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/critical-illness-insurance-4\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe5 Critical illness insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Lump sum in the event of cancer, stroke, heart attack. 24 covered illnesses. <\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/salary-insurance-3\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcbc Salary insurance (disability)<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Replaces up to 85% of your revenue in the event of an extended outage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/mortgage-insurance-3\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe1 Mortgage insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Why an individual life is superior to the bank&#8217;s insurance.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quote-insurance-product\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udccb All our insurance products<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Auto, home, business, life, health: 17 products compared at Assur360.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-life-insurance\"><\/span>Frequently asked questions about life insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much life insurance should I take?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The rule of thumb: <strong>10 to 12 times your gross annual salary<\/strong>, plus mortgage balance and debts. Example: income $65,000 + mortgage $280,000 = recommended principal of about $900,000. Our <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\">brokers<\/a> calculate your exact need for free.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Temporary or permanent: which one should you choose?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The <strong>term is<\/strong> suitable for the majority of families: it covers the years with the greatest risk (mortgage + dependent children) at an unbeatable price. The <strong>perm<\/strong> 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.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is life insurance taxable in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The death benefit paid to <strong>designated beneficiaries is completely tax-free<\/strong>, 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).  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need to have a medical exam?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a capital of less than $500,000 and a reasonable age, a <strong>simplified medical questionnaire<\/strong> 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.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is my employer&#8217;s life insurance sufficient?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Rarely. Group plans typically cover <strong>1-2 times your salary<\/strong> (so nowhere near the recommended 10-12x). Worse, you lose protection if you leave the job. A <strong>portable individual policy<\/strong> complements your group insurance and follows you for life.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What happens if I quit smoking after I subscribe?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">After <strong>12 consecutive months without tobacco<\/strong>, 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.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I change the beneficiary later?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, at any time unless the beneficiary is <strong>irrevocable<\/strong> (for example, in the context of a separation). In Quebec, the designated married spouse is automatically irrevocable \u2014 an important rule to be aware of when changing your family situation. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why go through a broker rather than a direct insurer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An <strong>AMF-certified independent<\/strong> broker shops for you among <strong>9+ insurers<\/strong>. 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.   <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Quel montant d'assurance vie devrais-je prendre ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La r\u00e8gle du pouce : 10 \u00e0 12 fois votre salaire annuel brut, plus le solde de l'hypoth\u00e8que et les dettes. Exemple : revenu 65 000 $ + hypoth\u00e8que 280 000 $ = capital recommand\u00e9 d'environ 900 000 $.\"}},\n    {\"@type\":\"Question\",\"name\":\"Temporaire ou permanente : laquelle choisir ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La temporaire est adapt\u00e9e \u00e0 la majorit\u00e9 des familles (couvre hypoth\u00e8que + enfants \u00e0 charge \u00e0 prix imbattable). La permanente est pertinente pour planification successorale ou frais fun\u00e9raires garantis.\"}},\n    {\"@type\":\"Question\",\"name\":\"Est-ce que l'assurance vie est imposable au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le capital-d\u00e9c\u00e8s vers\u00e9 aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s est totalement non imposable, autant au f\u00e9d\u00e9ral qu'au provincial.\"}},\n    {\"@type\":\"Question\",\"name\":\"Dois-je passer un examen m\u00e9dical ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour un capital inf\u00e9rieur \u00e0 500 000 $ et un \u00e2ge raisonnable, un questionnaire m\u00e9dical simplifi\u00e9 suffit souvent. Au-del\u00e0, un examen para-m\u00e9dical gratuit est demand\u00e9.\"}},\n    {\"@type\":\"Question\",\"name\":\"L'assurance vie de mon employeur est-elle suffisante ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Rarement. Les r\u00e9gimes collectifs couvrent g\u00e9n\u00e9ralement 1 \u00e0 2 fois votre salaire (loin des 10-12x recommand\u00e9s). Vous perdez la protection si vous quittez l'emploi.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que se passe-t-il si j'arr\u00eate de fumer apr\u00e8s avoir souscrit ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Apr\u00e8s 12 mois cons\u00e9cutifs sans tabac, vous pouvez demander une r\u00e9\u00e9valuation non-fumeur. Votre prime peut chuter de 40 \u00e0 60 %.\"}},\n    {\"@type\":\"Question\",\"name\":\"Puis-je changer le b\u00e9n\u00e9ficiaire plus tard ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, en tout temps sauf si le b\u00e9n\u00e9ficiaire est irr\u00e9vocable. Au Qu\u00e9bec, le conjoint mari\u00e9 d\u00e9sign\u00e9 est automatiquement irr\u00e9vocable.\"}},\n    {\"@type\":\"Question\",\"name\":\"Pourquoi passer par un courtier plut\u00f4t qu'un assureur direct ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier ind\u00e9pendant certifi\u00e9 AMF magasine parmi 9+ assureurs. Service gratuit pay\u00e9 par l'assureur retenu. Il vous assiste aussi lors d'une r\u00e9clamation.\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> (Autorit\u00e9 des march\u00e9s financiers) certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> member (Chambre de l&#8217;assurance de dommages de dommages)<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers \u2014 no exclusive affiliation<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% free<\/strong> and non-binding service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Protect your family today<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare 9+ insurers in 3 minutes. No commitment. AMF certified brokers.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Produits d'assurance\",\"item\":\"https:\/\/www.assur360.ca\/produit-assurance\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance vie\",\"item\":\"https:\/\/www.assur360.ca\/assurance-vie\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Are you looking for life insurance in Quebec that is tailored to your family and financial situation? Assur360 compares the offers of [&hellip;]<\/p>\n","protected":false},"author":50,"featured_media":36110,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Life Insurance in Quebec: Compare and Save - Assur360","_seopress_titles_desc":"Compare life insurance in Quebec through our certified broker partners. Temporary, permanent, mortgage \u2014 free connection, response within 24 hours. ","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15592","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/50"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15592"}],"version-history":[{"count":14,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15592\/revisions"}],"predecessor-version":[{"id":58714,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15592\/revisions\/58714"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/36110"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}