{"id":44847,"date":"2026-04-05T21:10:50","date_gmt":"2026-04-06T01:10:50","guid":{"rendered":"https:\/\/www.assur360.ca\/permanent-life-insurance-in-quebec\/"},"modified":"2026-04-19T23:03:26","modified_gmt":"2026-04-20T03:03:26","slug":"permanent-life-insurance-in-quebec","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/","title":{"rendered":"Permanent Life Insurance in Quebec"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360 \u2014 Assurance vie permanente\",\"description\":\"Comparez les assurances vie permanentes au Qu\u00e9bec : vie enti\u00e8re, universelle et participante. Courtiers certifi\u00e9s, gratuit.\",\"url\":\"https:\/\/assur360.ca\/assurance-vie-permanente\/\",\"telephone\":\"1-866-357-4451\",\"areaServed\":{\"@type\":\"Place\",\"name\":\"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#Permanent-life-insurance-in-Quebec-%E2%80%94-Compare-whole-universal-and-member-life\" >Permanent life insurance in Quebec \u2014 Compare whole, universal and member life<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#Compare-permanent-life-insurance-in-Quebec\" >Compare permanent life insurance in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#What-is-permanent-life-insurance\" >What is permanent life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#Types-of-permanent-life-insurance-in-Quebec\" >Types of permanent life insurance in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#Temporary-vs-permanent-%E2%80%94-which-one-is-right-for-you\" >Temporary vs. permanent \u2014 which one is right for you?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#Cash-value-%E2%80%94-your-tax-efficient-savings\" >Cash value \u2014 your tax-efficient savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#The-4-uses-of-permanent-life-insurance\" >The 4 uses of permanent life insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#How-much-does-permanent-life-insurance-cost\" >How much does permanent life insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#When-NOT-to-choose-the-perm\" >When NOT to choose the perm?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#Our-Life-Insurance-Resources\" >Our Life Insurance Resources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#Ready-to-protect-your-family-forever\" >Ready to protect your family forever?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/#Frequently-asked-questions-%E2%80%94-Permanent-life-insurance\" >Frequently asked questions \u2014 Permanent life insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Permanent-life-insurance-in-Quebec-%E2%80%94-Compare-whole-universal-and-member-life\"><\/span>Permanent life insurance in Quebec \u2014 Compare whole, universal and member life<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p><strong>Permanent life insurance in Quebec<\/strong> offers lifetime protection that guarantees the payment of a death benefit regardless of the age of the insured&#8217;s death. Unlike term life insurance, it combines protection with cash value accumulation, making it a powerful tax-efficient estate planning and savings tool. Our certified life and health insurance broker partners compare the best whole, universal and participant life offers available in Quebec for free.  <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-3dcc9c70 wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"color:#ffffff;font-size:24px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Compare-permanent-life-insurance-in-Quebec\"><\/span>Compare permanent life insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center\" style=\"color:#94a3b8;font-size:16px;\">Our certified life and health insurance broker partners compare whole life, universal life and member insurance. Free, no obligation. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"border-radius:8px;background-color:#10c4c7;color:#ffffff;font-size:16px;font-weight:700;padding-top:14px;padding-right:28px;padding-bottom:14px;padding-left:28px;\">Compare standing offers<\/a><\/div>\n\n<\/div>\n\n\n\n<p class=\"has-text-align-center\" style=\"color:#64748b;font-size:13px;\">Lifetime protection \u2014 your family protected for life<\/p>\n\n\n<\/div>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:40px 0;text-align:center;\">\n  <div style=\"background:#ffffff;padding:24px 16px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:2rem;font-weight:800;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:0.9rem;margin-top:4px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 16px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:2rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.9rem;margin-top:4px;\">Certified Brokers<\/div>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 16px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:2rem;font-weight:800;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:0.9rem;margin-top:4px;\">To Compare<\/div>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 16px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:2rem;font-weight:800;\">100K+<\/div>\n    <div style=\"color:#64748b;font-size:0.9rem;margin-top:4px;\">Submissions processed<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"What-is-permanent-life-insurance\"><\/span>What is permanent life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Permanent life insurance is a policy that never ends as long as you pay your premiums \u2014 unlike term life insurance (10, 20 or 30 years), it covers you until death, regardless of your age. In the early years, a portion of your premiums contributes to a <strong>cash value<\/strong> that grows tax-free. These savings belong to you: you can borrow them, withdraw them partially or use them to pay your premiums. That&#8217;s why permanent life insurance is often used as a complementary tool to RRSPs and TFSAs in an overall financial planning strategy in Quebec.   <\/p>\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color is-layout-constrained wp-container-core-group-is-layout-95339512 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px;\">\n\n<p class=\"has-text-align-center\" style=\"color:#10c4c7;font-size:36px;font-weight:800;\">Life annuity<\/p>\n\n\n<p class=\"has-text-align-center\" style=\"color:#0d1f2d;font-size:15px;font-weight:700;\">Lifelong Protection<\/p>\n\n\n<p class=\"has-text-align-center\" style=\"color:#64748b;font-size:13px;\">It doesn&#8217;t matter how old you are at death<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color is-layout-constrained wp-container-core-group-is-layout-95339512 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px;\">\n\n<p class=\"has-text-align-center\" style=\"color:#10c4c7;font-size:36px;font-weight:800;\">15 years<\/p>\n\n\n<p class=\"has-text-align-center\" style=\"color:#0d1f2d;font-size:15px;font-weight:700;\">To build value<\/p>\n\n\n<p class=\"has-text-align-center\" style=\"color:#64748b;font-size:13px;\">Significant cash value after 15 years<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color is-layout-constrained wp-container-core-group-is-layout-95339512 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px;\">\n\n<p class=\"has-text-align-center\" style=\"color:#10c4c7;font-size:36px;font-weight:800;\">100 %<\/p>\n\n\n<p class=\"has-text-align-center\" style=\"color:#0d1f2d;font-size:15px;font-weight:700;\">Free service<\/p>\n\n\n<p class=\"has-text-align-center\" style=\"color:#64748b;font-size:13px;\">Free connection<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<\/div>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Types-of-permanent-life-insurance-in-Quebec\"><\/span>Types of permanent life insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:20px;font-weight:700;\">Whole life<\/h3>\n\n<p><strong>Whole life<\/strong> is the most classic form of permanent life insurance. Premiums are fixed for the entire term of the policy and can never increase. A portion of each premium goes into the guaranteed cash value, which grows according to a schedule set in the policy. Some insurers offer <strong>participating<\/strong> policies that pay annual dividends \u2014 these dividends can be used to reduce premiums, increase coverage or accelerate cash value growth. Whole life is ideal for people who want complete predictability and guaranteed protection forever.    <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:20px;font-weight:700;\">Universal Life<\/h3>\n\n<p><strong>Universal life insurance<\/strong> offers flexibility that whole life can&#8217;t match. You control the amount of your premiums (within certain limits), the frequency of payments and the investment component of your policy. The excess premiums over and above the cost of insurance are invested in segregated funds or guaranteed interest accounts, and the growth accumulates tax-free. This flexibility makes it a sophisticated tool for self-employed individuals, professionals, and business owners who want to maximize their tax efficiency while maintaining permanent protection.   <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:20px;font-weight:700;\">Participating Permanent Life Insurance<\/h3>\n\n<p><strong>Participating<\/strong> (or &#8220;participating&#8221;) policies are issued by mutual companies such as Sun Life Financial, Manulife or Great-West Life. Each year, the insurer shares its excess profits with the holders in the form of dividends. These dividends are not guaranteed, but Canada&#8217;s major corporations have been paying them continuously for more than a century. Over a 20-30 year horizon, participating policies can generate significantly more cash value than non-participating policies, making them an excellent long-term savings vehicle.   <\/p>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Temporary-vs-permanent-%E2%80%94-which-one-is-right-for-you\"><\/span>Temporary vs. permanent \u2014 which one is right for you?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Here&#8217;s a comparative overview to help you choose between term and permanent life insurance for your situation. For an in-depth analysis, see our <a href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/\">temporary vs permanent life comparison guide<\/a>. <\/p>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead><tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Criterion<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Temporary<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Permanent<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">Duration<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">10 to 30 years<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Life (life)<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">Monthly<\/td>\n premium<td style=\"padding:12px;border:1px solid #e2e8f0;\">Low to start<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Higher but stable<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">Cash<\/td>\n value<td style=\"padding:12px;border:1px solid #e2e8f0;\">No<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Yes (after ~5 to 10 years)<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">Best for<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Mortgage, young family<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Inheritance, long-term savings<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">Flexibility<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Limited<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">High (mostly universal)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Cash-value-%E2%80%94-your-tax-efficient-savings\"><\/span>Cash value \u2014 your tax-efficient savings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-e0dca8c8 wp-block-columns-is-layout-flex\">\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:42%\">\n\n<figure class=\"wp-block-image size-full\"><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\/04\/assurance-vie-permanente-scaled.jpg\" alt=\"Couple in financial planning &#x2014; permanent life insurance\" class=\"wp-image-45076\" width=\"400\" height=\"400\" style=\"border-radius:12px;\" loading=\"lazy\"\/><\/figure>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:58%\">\n\n\n<h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:20px;font-weight:700;\">How it works<\/h3>\n\n\n\n<p>Every time you pay a permanent life insurance premium, a portion covers the pure cost of the insurance and another accumulates in your <strong>cash value<\/strong>. This value grows tax-free \u2014 you don&#8217;t pay any tax on the gains until you withdraw the funds. After about 5 to 10 years, the cash value becomes significant.  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tax-deferred growth, year after year<\/li>\n<li>Possibility of borrowing against the policy (policy loan) without tax impact<\/li>\n<li>Can be used as collateral for a bank loan<\/li>\n<li>Transferable to your heirs outside the estate (designated beneficiary)<\/li>\n<\/ul>\n\n\n\n<p>To learn more about your life insurance rights in Qu\u00e9bec, consult the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/assurance-vie\" target=\"_blank\" rel=\"noopener noreferrer\">official resource of the Autorit\u00e9 des march\u00e9s financiers (AMF).<\/a><\/p>\n\n\n<\/div>\n\n\n<\/div>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"The-4-uses-of-permanent-life-insurance\"><\/span>The 4 uses of permanent life insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:20px;font-weight:700;\">1. Estate Planning<\/h3>\n\n<p>Permanent life insurance is an essential tool for estate planning in Quebec. The death benefit is paid directly to the designated beneficiary, outside the estate and without a probationary period. It can be used to cover taxes on death (capital gains on the portfolio, unliquidated RRSP), to equalize an inheritance between several children or to finance a charitable bequest. For owners of a cottage or rental property, permanent life insurance can avoid the forced sale of assets to pay taxes upon death.   <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:20px;font-weight:700;\">2. Business Protection<\/h3>\n\n<p>Business owners use permanent life insurance for sophisticated strategies such as <strong>key man insurance<\/strong> (protecting the business from the death of a key partner) and <strong>buyout (<\/strong> financing the purchase of a deceased partner&#8217;s shares). The company can also own the policy and be the beneficiary, which allows for partial deductibility of premiums in some cases. The cash value accumulated in the policy can be extracted from the business in a tax-efficient manner via the Capital Dividend Account (CDA).  <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:20px;font-weight:700;\">3. Tax-efficient savings<\/h3>\n\n<p>Once your RRSPs and TFSAs have been maximized, permanent life insurance is a third tax-advantaged savings vehicle. Cash value growth is tax-sheltered, and the death benefit is generally tax-free for beneficiaries. For high-income earners or incorporated business owners, this is often the optimal strategy to leave the maximum to their heirs while minimizing the tax impact of their estate.  <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:20px;font-weight:700;\">4. Funeral planning<\/h3>\n\n<p>Small-value policies ($25,000 to $50,000) are specifically designed to cover funeral expenses and final debts, relieving loved ones of a financial burden at the time of bereavement. These policies are generally available without a detailed medical exam for people between the ages of 50 and 80, and they offer a guarantee of coverage that prearranged funeral contracts cannot always match. To learn more about consumer protection in life insurance, visit <a href=\"https:\/\/assuris.ca\/fr\/\" target=\"_blank\" rel=\"noopener noreferrer\">Assuris<\/a>, Canada&#8217;s insured protection organization.  <\/p>\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group has-border-color is-layout-constrained wp-container-core-group-is-layout-1a1c0e64 wp-block-group-is-layout-constrained\" style=\"border-color:#10c4c7;border-width:2px;border-radius:16px;background-color:#f0fdfa;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"color:#0d1f2d;font-size:22px;font-weight:700;\">Is permanent life insurance right for you?<\/h3>\n\n\n\n<p class=\"has-text-align-center\" style=\"color:#334155;font-size:16px;\">Our certified broker partners analyze your situation and compare the best permanent offers in Quebec. No cost to you. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"border-radius:8px;background-color:#10c4c7;color:#ffffff;font-size:16px;font-weight:700;padding-top:14px;padding-right:28px;padding-bottom:14px;padding-left:28px;\">Talk to a partner broker<\/a><\/div>\n\n<\/div>\n\n\n<\/div>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"How-much-does-permanent-life-insurance-cost\"><\/span>How much does permanent life insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The cost of permanent whole life insurance varies depending on age, gender, health status and the amount of coverage. Here are some indicative estimates for a $250,000 whole life policy in Quebec: <\/p>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead><tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Age<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Male (non-smoker)<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Female (non-smoker)<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Type<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">30 years<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">~$275\/month<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">~$240\/month<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Whole Life $250,000<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">40 years<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">~$410\/month<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">~$360\/month<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Whole Life $250,000<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">50 years<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">~$680\/month<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">~$590\/month<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Whole Life $250,000<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:12px;border:1px solid #e2e8f0;font-weight:600;\">60 years<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">~$1,150\/month<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">~$980\/month<\/td>\n<td style=\"padding:12px;border:1px solid #e2e8f0;\">Whole Life $250,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p style=\"color:#64748b;font-size:12px;\"><em>* These rates are provided for information purposes only and may vary depending on the insurer, health status and options selected. Consult a certified broker partner for personalized quotes. <\/em><\/p>\n\n<p>The differences between insurers can be considerable \u2014 sometimes 30 to 40% for the same profile. Our certified life and health insurance broker partners compare offers from several major Canadian companies to get you the best rate for your specific situation. <\/p>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"When-NOT-to-choose-the-perm\"><\/span>When NOT to choose the perm?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Permanent life insurance is not the one-size-fits-all solution. There are situations where term life insurance is clearly more appropriate. Check out our <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\">comprehensive guide to life insurance<\/a> to understand all your options.  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Limited budget:<\/strong> If higher premiums compromise other financial priorities (emergency fund, RRSP, paying off high-rate debt), term insurance offers better coverage for less in the short term.<\/li>\n<li><strong>Temporary needs only:<\/strong> If your need for protection is related to a mortgage that will be paid off in 20 years, a 20-year term is perfectly suited and much less expensive.<\/li>\n<li><strong>Savings already maximized:<\/strong> If you already have significant assets (RRSPs, TFSAs, real estate), the savings component of permanent living may be redundant \u2014 a cheap term plus do-it-yourself investing may be more effective.<\/li>\n<li><strong>Uncertain horizon:<\/strong> If you&#8217;re not sure if you&#8217;ll still need coverage in 15 years, the flexibility of a renewable term may be preferable to the long-term commitment of the permanent.<\/li>\n<\/ul>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Our-Life-Insurance-Resources\"><\/span>Our Life Insurance Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<p style=\"color:#0d1f2d;font-size:15px;font-weight:700;\"><a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\" style=\"color:#0d1f2d;text-decoration:none;\">Complete Life Insurance Guide<\/a><\/p>\n\n\n<p style=\"color:#64748b;font-size:13px;\">Compare all types and save.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<p style=\"color:#0d1f2d;font-size:15px;font-weight:700;\"><a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/\" style=\"color:#0d1f2d;text-decoration:none;\">Without a medical exam<\/a><\/p>\n\n\n<p style=\"color:#64748b;font-size:13px;\">Fast coverage with no health issues.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<p style=\"color:#0d1f2d;font-size:15px;font-weight:700;\"><a href=\"https:\/\/www.assur360.ca\/en\/disability-insurance-in-quebec\/\" style=\"color:#0d1f2d;text-decoration:none;\">Disability Insurance<\/a><\/p>\n\n\n<p style=\"color:#64748b;font-size:13px;\">Protect your income in the event of disability.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<p style=\"color:#0d1f2d;font-size:15px;font-weight:700;\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/mortgage-life-insurance\/\" style=\"color:#0d1f2d;text-decoration:none;\">Mortgage Life Insurance<\/a><\/p>\n\n\n<p style=\"color:#64748b;font-size:13px;\">Protect your home.<\/p>\n\n<\/div>\n\n\n<\/div>\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-b5a2d89d wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:48px;padding-right:32px;padding-bottom:48px;padding-left:32px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"color:#ffffff;font-size:26px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Ready-to-protect-your-family-forever\"><\/span>Ready to protect your family forever?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center\" style=\"color:#94a3b8;font-size:16px;\">Our certified broker partners compare the best permanent life insurance in Quebec.<\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"color:#10c4c7;font-size:14px;font-weight:700;\">Lifetime protection \u2014 your family protected no matter when<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"border-radius:8px;background-color:#10c4c7;color:#ffffff;font-size:18px;font-weight:700;padding-top:16px;padding-right:32px;padding-bottom:16px;padding-left:32px;\">Compare permanent life insurance<\/a><\/div>\n\n<\/div>\n\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Permanent-life-insurance\"><\/span>Frequently asked questions \u2014 Permanent life insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the difference between permanent life insurance and term life insurance?<\/summary>\n\n<p>Term life insurance provides coverage for a limited period of time (10, 20 or 30 years) and expires if you don&#8217;t die during that period \u2014 the premiums paid are not recovered. Permanent life insurance covers you until death, regardless of your age. It also accumulates a cash value that belongs to you, making it both a tax-efficient protection and savings tool. The permanent one costs more, but offers the guarantee that the death benefit will always be paid.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I access the cash value during my lifetime?<\/summary>\n\n<p>Yes, absolutely. The cash value belongs to you and you can access it in several ways: (1) partial withdrawal \u2014 you withdraw an amount, which reduces the cash value and potentially the death benefit; (2) policy loan \u2014 you borrow against your cash value without having to repay (the amount is deducted from the death benefit at the time of death, with interest); (3) Full surrender \u2014 you cancel the policy and receive the full cash value (taxable on earnings). A certified broker can advise you on the most advantageous strategy for your situation.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Do permanent life insurance premiums increase with age?<\/summary>\n\n<p>No, that&#8217;s one of the great benefits of permanent life insurance. Premiums are usually fixed for the entire term of the policy, or until you&#8217;re done paying (some policies offer 10- or 20-year payment options). You pay the same amount at age 30 as you do at age 80. That&#8217;s why it&#8217;s a good idea to buy as early as possible \u2014 you&#8217;re locking in a low rate based on your current age and health.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What happens if I stop paying my premiums?<\/summary>\n\n<p>If you stop paying your premiums, you have several options depending on the terms of your policy: (1) use the accumulated cash value to continue paying premiums automatically (automatic premium advance); (2) convert the policy to paid-up insurance \u2014 you stop paying but keep lifetime reduced coverage; (3) surrender the policy and receive the cash surrender value (less applicable fees and taxes). It is important to contact your insurer or broker partner before making a decision, as some options are irrevocable. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is permanent life insurance taxable?<\/summary>\n\n<p>The death benefit paid to the designated beneficiary is generally tax-free \u2014 that&#8217;s one of the major benefits. Growth in cash value within the policy is also tax-sheltered. However, if you surrender your policy (cancel it), the portion of the gains (cash value minus the total premiums paid) is taxable as ordinary income. Partial withdrawals can also have tax implications. For policies held by a corporation, the tax rules are more complex \u2014 consult a certified financial planner.    <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>At what age is too late to get permanent life insurance?<\/summary>\n\n<p>Most Canadian insurers accept claims up to age 75-80 for standard whole life policies. Beyond that, specialized products exist such as guaranteed life insurance (without health questions) for 50-85 year olds, although the amounts are limited (generally up to $25,000-50,000) and the premiums are high. Assuris, the insurance protection organization in Canada, guarantees up to $200,000 in death benefits in the event of the insurer&#8217;s bankruptcy. The longer you wait, the higher the premiums \u2014 each year of delay can increase the cost by 5-10%.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Which company offers the best permanent life insurance in Quebec?<\/summary>\n\n<p>There is no &#8220;best&#8221; universal company \u2014 it depends on your health profile, age, desired policy type (whole, universal, member) and your financial goals. Major companies operating in Quebec include Sun Life Financial, Manulife, Industrial Alliance (iA Financial Group), Great-West Life, Canada Life and RBC Insurance. Each has its strengths: iA is often competitive for young families, mutual companies (Sun Life, Great-West) excellent for participating policies. That&#8217;s why using an independent partner broker is so important \u2014 they objectively compare all the options for you.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How does permanent life insurance work for business owners?<\/summary>\n\n<p>Incorporated business owners can benefit from advanced tax strategies with permanent life insurance. The main ones are: (1) the company owns and benefits the policy \u2014 premiums are paid with after-tax business dollars, but the cash value growth is tax-sheltered; (2) upon death, the death benefit enters the Capital Dividend Account (CDA), allowing for a tax-free payout to shareholders; (3) for the redemption of shares between partners, a shareholders&#8217; agreement financed by cross-cross permanent policies ensures the continuity of the company. These strategies require the expertise of a certified insurance of persons broker partner and a specialized accountant.  <\/p>\n\n<\/details>\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelle est la diff\u00e9rence entre l'assurance vie permanente et l'assurance vie temporaire ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance vie temporaire offre une protection pour une dur\u00e9e limit\u00e9e (10, 20 ou 30 ans) et expire si vous ne d\u00e9c\u00e9dez pas pendant cette p\u00e9riode. L'assurance vie permanente vous couvre jusqu'au d\u00e9c\u00e8s, peu importe votre \u00e2ge, et accumule une valeur de rachat fiscalement avantageuse. La permanente co\u00fbte plus cher mais garantit que le capital-d\u00e9c\u00e8s sera toujours vers\u00e9.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je acc\u00e9der \u00e0 la valeur de rachat de mon vivant ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui. Vous pouvez acc\u00e9der \u00e0 la valeur de rachat par retrait partiel, avance sur police (emprunt sans obligation de remboursement, d\u00e9duit du capital-d\u00e9c\u00e8s), ou rachat complet de la police (imposable sur les gains). Un courtier certifi\u00e9 peut vous conseiller sur la strat\u00e9gie optimale.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce que les primes d'assurance vie permanente augmentent avec l'\u00e2ge ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Non. Les primes d'assurance vie permanente sont g\u00e9n\u00e9ralement fixes pour toute la dur\u00e9e de la police. Vous payez le m\u00eame montant \u00e0 30 ans qu'\u00e0 80 ans, ce qui rend avantageux de souscrire le plus t\u00f4t possible pour verrouiller un tarif bas.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qu'arrive-t-il si je cesse de payer mes primes ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Si vous cessez de payer, vous pouvez utiliser la valeur de rachat pour payer les primes automatiquement, convertir la police en assurance lib\u00e9r\u00e9e (couverture r\u00e9duite sans primes), ou racheter la police et recevoir la valeur de rachat. Contactez votre courtier avant de d\u00e9cider, car certaines options sont irr\u00e9vocables.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"L'assurance vie permanente est-elle imposable ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le capital-d\u00e9c\u00e8s vers\u00e9 au b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 est g\u00e9n\u00e9ralement libre d'imp\u00f4t. La croissance de la valeur de rachat \u00e0 l'int\u00e9rieur de la police est aussi \u00e0 l'abri de l'imp\u00f4t. Si vous rachetez la police, les gains (valeur de rachat moins les primes pay\u00e9es) sont imposables comme revenu ordinaire.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u00c0 quel \u00e2ge est-il trop tard pour souscrire une assurance vie permanente ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"La plupart des assureurs canadiens acceptent des demandes jusqu'\u00e0 75-80 ans. Des produits sans examen m\u00e9dical existent pour les 50-85 ans (jusqu'\u00e0 25 000-50 000 $). Plus vous attendez, plus les primes sont \u00e9lev\u00e9es \u2014 chaque ann\u00e9e de retard peut augmenter le co\u00fbt de 5 \u00e0 10 %.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelle compagnie offre la meilleure assurance vie permanente au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Il n'existe pas de meilleure compagnie universelle \u2014 cela d\u00e9pend de votre profil, \u00e2ge, type de police et objectifs. Les grandes compagnies actives au Qu\u00e9bec incluent Financi\u00e8re Sun Life, Manuvie, iA Groupe financier, Great-West Life, Canada Vie et RBC Assurances. Un courtier partenaire ind\u00e9pendant compare objectivement toutes les options pour vous.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment fonctionne l'assurance vie permanente pour les propri\u00e9taires d'entreprise ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les propri\u00e9taires d'entreprise incorpor\u00e9e peuvent faire payer les primes par la compagnie, b\u00e9n\u00e9ficier d'une croissance \u00e0 l'abri de l'imp\u00f4t, et au d\u00e9c\u00e8s, le capital entre dans le compte de dividendes en capital (CDC) pour un versement libre d'imp\u00f4t aux actionnaires. Pour le rachat de parts entre associ\u00e9s, des conventions financ\u00e9es par des polices permanentes assurent la continuit\u00e9.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1\ufe0f Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">ChAD<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Accueil\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Assurance vie permanente au Qu\u00e9bec\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-vie-permanente\/\"\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Permanent life insurance in Quebec \u2014 Compare whole, universal and member life Permanent life insurance in Quebec offers lifetime protection that guarantees [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":45075,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Permanent Life Insurance in Quebec: A Complete Guide \u2014 Assur360","_seopress_titles_desc":"Whole life or universal: Our certified broker partners compare permanent life insurance in Quebec. Free connection, surrender value explained. ","_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-44847","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\/44847","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\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=44847"}],"version-history":[{"count":8,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/44847\/revisions"}],"predecessor-version":[{"id":56700,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/44847\/revisions\/56700"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/45075"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=44847"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}