{"id":58416,"date":"2026-04-21T10:38:07","date_gmt":"2026-04-21T14:38:07","guid":{"rendered":"https:\/\/www.assur360.ca\/2026-quebec-t10-t20-t30-term-life-insurance-prices-starting-at-15-month\/"},"modified":"2026-06-26T00:03:40","modified_gmt":"2026-06-26T04:03:40","slug":"2026-quebec-t10-t20-t30-term-life-insurance-prices-starting-at-15-month","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/2026-quebec-t10-t20-t30-term-life-insurance-prices-starting-at-15-month\/","title":{"rendered":"2026 Quebec T10 T20 T30 Term Life Insurance: Prices starting at $15\/month"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"2026-Quebec-T10-T20-T30-Term-Life-Insurance-Prices-starting-at-15month\"><\/span>2026 Quebec T10 T20 T30 Term Life Insurance: Prices starting at $15\/month<span class=\"ez-toc-section-end\"><\/span><\/h1>\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-temporaire-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\": [\"Term life insurance\", \"T10 insurance\", \"T20 insurance\", \"T30 insurance\"],\n  \"hasCredential\": \"AMF Certified (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Term life insurance<\/strong> is the most economical coverage in Quebec: starting at <strong>$15 per month<\/strong> for $500,000 of coverage at age 30, non-smoker. It guarantees a <strong>tax-free death benefit<\/strong> paid to your beneficiaries for a fixed period of time \u2014 10, 20 or 30 years (<strong>T10<\/strong>, <strong>T20<\/strong>, <strong>T30<\/strong>). Ideal for covering a mortgage, protecting a young child or replacing working income. <strong>Assur360<\/strong> compares more than 9 Canadian insurers through our <strong>AMF certified brokers<\/strong> \u2014 free quote in 3 minutes.  <\/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;\">TERM LIFE INSURANCE QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-family-from-15month\"><\/span>Protect your family from $15\/month<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare T10, T20, and T30 in 3 minutes. AMF certified independent brokers.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" 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;\">$15\/month<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">T10 from (non-smoker 30 years old)<\/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;\">$500,000<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Average capital in Quebec<\/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;\">Not taxable on death<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:32px auto 48px;max-width:1200px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:36px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <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\/05\/temporaire-vie-hero.jpg\" alt=\"Young Quebec family 30 years old with children \u2014 term life insurance coverage\" style=\"width:45%;max-width:480px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Protect-your-family-from-15month-2\"><\/span>Protect your family from $15\/month<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Term life<\/strong> insurance (T10, T20, T30) offers affordable protection with a fixed principal for the term you choose. Ideal for <strong>covering the mortgage, children or a loan<\/strong> without paying for permanent protection. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\">Assur360&#8217;s partner firms and brokers negotiate the best rates with Canadian insurers \u2014 free quotes in minutes.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-term-life-insurance-T10-T20-T30\"><\/span>What is term life insurance (T10 \/ T20 \/ T30)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Term life insurance<\/strong> is a life insurance policy for a <strong>limited period of time<\/strong>. You choose a <strong>fixed premium<\/strong> that is guaranteed for 10, 20 or 30 years. If you die during this period, the insurer pays the principal (e.g., $500,000) to your beneficiaries \u2014 100% tax-free. If you survive the term, the contract renews at a much higher rate or ends with no cash value. It&#8217;s the most affordable commodity to protect a family going through a period of significant financial responsibilities (mortgage, kids, car loan).    <\/p>\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\udcc5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">T10 \u2014 10-year term<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Fixed premium for 10 years. Ideal for young couples who want affordable temporary protection while they consolidate their financial situation. <\/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;\">\ud83d\udcc6<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">T20 \u2014 20-year term<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Fixed premium for 20 years. <strong>The most popular choice in Quebec<\/strong> \u2014 covers the full repayment period of a residential mortgage.<\/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;\">\ud83d\uddd3\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">T30 \u2014 30-year term<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Fixed premium for 30 years. Optimal if you have small children or a long mortgage. Premium a little higher but maximum protection in the long run.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"T10-T20-or-T30-how-to-choose\"><\/span>T10, T20 or T30: how to choose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">The choice depends on the <strong>duration of your financial obligations<\/strong>. Here&#8217;s how to make a quick decision: <\/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;\">\ud83c\udfe0 To cover a mortgage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Align the term with your amortization. 25-year mortgage \u2192 T25 (if available) or T30. Mortgage already started 10 years ago \u2192 T20 is enough.  <\/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\udc76 To protect young children<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Choose a term that covers at least until the youngest child&#8217;s adulthood (18-25 years old). Children from 2 to 5 years old\u2192 T20 minimum, T30 ideal. <\/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\udcbc To replace income<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Calculate how many years are missing before your planned retirement. At age 35 with retirement at age 65 \u2192 T30. At age 50 with retirement at age 65 \u2192 T15 or T20.  <\/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\udcb5 For a specific financial goal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Student loan (10 years) \u2192 T10. Family business in growth phase (15-20 years) \u2192 T20. Long business loan or planned estate \u2192 T30.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monthly-premium-compared-by-age-and-term\"><\/span>Monthly premium compared by age and term<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Here are indicative premiums for <strong>$500,000 of capital<\/strong>, a man and a non-smoker, in good health:<\/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;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Age<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Men&#8217;s T10<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Women&#8217;s T10<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Men&#8217;s T20<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Women&#8217;s T20<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Men&#8217;s T30<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Women&#8217;s T30<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">30 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$16<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$13<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$23<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$19<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$36<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$29<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">35 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$18<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$14<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$27<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$22<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$44<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$35<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">40 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$22<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$17<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$36<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$28<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$60<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$47<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">45 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$33<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$58<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$43<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$98<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$73<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">50 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$52<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$38<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$95<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$70<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$165<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$120<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">55 years old<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$87<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$62<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$160<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$115<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$290<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$205<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">60 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$145<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$102<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$275<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$195<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative monthly premiums 2026 for $500,000, non-smoker, good health. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-Apply-%E2%80%94-The-4-Step-Process\"><\/span>How to Apply \u2014 The 4-Step Process<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;\">Online Quote<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Fill out the form in 3 minutes: age, gender, smoking status, desired capital, desired term. No personal financial information at this stage. <\/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;\">Comparison by your AMF broker<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">We compare the top 9 insurers in Canada (Canada Life, Manulife, Sun Life, iA, Empire Life, RBC, Desjardins, Beneva, Humania) and send you the top 2-3 options.<\/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;\">Insurance application and medical examination<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature of the application. Depending on age and capital, a quick medical examination at home may be required (free of charge, paid for by the insurer). <\/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;\">Issuance and coming into force<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Average delay: 7 to 30 days. Your policy begins with the first payment \u2014 the premium is guaranteed for the duration of the term you choose. <\/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;\">The &#8220;laddering&#8221; strategy \u2014 segmenting in several terms<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Instead of a single $1,000,000 T30 policy, you can purchase <strong style=\"color:#ffffff;\">$500,000 in T10 + $500,000 in T30<\/strong>. The T10 portion covers your immediate needs (mortgage) at a lower cost. When it expires, your obligations have decreased \u2014 you only keep the remaining T30. <strong style=\"color:#ffffff;\">Typical savings: 20-30% over 30 years<\/strong>.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"T-Permanent-Life-Compare-options\"><\/span>T-Permanent Life: Compare options<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Term insurance is ideal for covering a specific period of time. If you&#8217;re looking for <strong>permanent<\/strong> protection (estate, death tax, charitable giving), here&#8217;s how the options compare: <\/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;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Criterion<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">T10 \/ T20 \/ T30<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Whole Life (T100)<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Universal Life<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Term<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">10, 20 or 30 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Lifetime<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Lifetime<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Initial premium (40 years old, $500K)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$22 to $60\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$285\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$310\/month<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Cash value<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">None<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, guaranteed<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, variable<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Tax-sheltered investment<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, limited<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, full<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Flexibility premiums<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Fixed<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Fixed Variable<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Best for<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Temporarily Protecting<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Estate, Inheritance,<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">High Assets, Taxation<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">To understand in detail, consult our guides <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\">life insurance<\/a> and <a href=\"https:\/\/www.assur360.ca\/assurance-vie-universelle\/\">universal life insurance<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;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;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Beware of the automatic renewal of your T10<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">At the end of a T10, most contracts renew <strong>automatically and guaranteed without a medical exam<\/strong> \u2014 but at a rate 5 to 8 times higher. <strong>6 months before the end of the term, shop<\/strong> around with our brokers to compare: a new T10 or T20 at your new age often costs less than renewal.<\/p>\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 COMPARISON<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">See your price in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">More than 9 insurers compared. Independent AMF brokers without conflicts of interest.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" 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<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common-Options-to-Add-to-a-T-Contract\"><\/span>Common Options to Add to a T Contract<span class=\"ez-toc-section-end\"><\/span><\/h2>\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\udd04<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Conversion Option<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Allows you to convert your term policy into a permanent life policy, <strong>without a new medical exam<\/strong>, even if your health has deteriorated. Available on almost all T20\/T30 contracts.<\/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;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Premium Waiver<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If you become disabled, the insurer pays your premiums on your behalf. Modest additional cost (5-10% of the premium) for key protection.<\/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;\">\u2795<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Critical Illness Endorsement<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Adds a <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\">critical illness protection<\/a> (cancer, stroke, heart attack) on the same contract. More economical than two separate policies.<\/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;\">\ud83d\udc76<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Child Endorsement<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers all your children (current and future) up to age 25 for about $5-7\/month. Convertible to adulthood without a new medical quote.<\/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;\">\u26a1<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Accelerated Death Benefit<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Allows you to access up to 50% of your capital while alive if diagnosed with a terminal illness (prognosis < 12 months). Free option with most insurers.<\/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;\">\ud83d\udca5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Accidental Double Indemnity<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Doubles the capital paid if death results from an accident. Very low cost (~$2-4\/month) \u2014 useful if you travel a lot or work in a high-risk environment.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-mistakes-to-avoid-when-subscribing\"><\/span>3 mistakes to avoid when subscribing<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  <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;\">\u274c Underestimating the capital required<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Rule of thumb: <strong>7 to 10 times your annual income<\/strong>. A salary of $75,000 \u2192 capital of $500,000 to $750,000. Don&#8217;t forget: debts + mortgage + 10 years of income + funeral expenses + taxes on death.  <\/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;\">\u274c Lying about smoking status<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Omitting your tobacco or cannabis consumption automatically cancels the contract upon death. A smoker pays about 2 to 2.5 times more, but be honest: nicotine is detected in the blood on examination. <\/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;\">\u274c Wait to subscribe<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Each past year increases the premium by 8 to 12%. Hospitalization or diagnosis may result in a refusal or a permanent surcharge. Subscribe <strong>young and healthy<\/strong>.  <\/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;\">\u274c Not naming a beneficiary<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Without a named beneficiary, the capital enters the estate, is taxable, frozen until probate and can be used to pay debts. <strong>Always name a direct beneficiary<\/strong> (spouse, children, trust).<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Term-Insurance-in-Quebec-Where-We-Serve\"><\/span>Term Insurance in Quebec: Where We Serve<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Our <strong>Assur360<\/strong> insurance brokers support Quebecers throughout the province. We particularly serve <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong> and <strong>Thetford Mines<\/strong>. No matter your region \u2014 Mont\u00e9r\u00e9gie, Laurentians, Estrie, Mauricie, Saguenay\u2013Lac-Saint-Jean, Chaudi\u00e8re-Appalaches or Abitibi-T\u00e9miscamingue \u2014 we compare the same 9 major national insurers and negotiate the best conditions for your profile.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To-go-further\"><\/span>To go further<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\/assurance-vie\/\" 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;\">Life insurance in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">The complete guide: term, permanent, universal \u2014 all protections explained.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-universelle\/\" 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;\">Universal life insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Permanent protection + tax-sheltered investment. For high-asset profiles.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" 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;\">Critical illness insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Lump sum payment upon diagnosis of cancer, stroke, heart attack, or 21 other illnesses.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\" 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;\">Disability insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Replaces your income if you can no longer work due to illness or accident.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Term-life-insurance\"><\/span>Frequently asked questions \u2014 Term 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;\">What is the difference between T10, T20, and T30?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Only the duration of the premium guarantee. A T10 guarantees your premium for <strong>10 years<\/strong>, a T20 for <strong>20 years<\/strong>, and a T30 for <strong>30 years<\/strong>. The death benefit remains the same. The longer the term, the higher the initial premium \u2014 but you are protected for a longer time without the risk of an increase.<\/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 convert my T10 or T20 to permanent insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes<\/strong>, most contracts include a <strong>conversion option<\/strong> that allows you to convert your term to permanent life insurance (T100 or universal) without a new medical exam. The option usually expires at age 65-70 or before the last years of the term. Check your contract.<\/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 at the end of the term?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Three scenarios. (1) Your contract <strong>automatically renews<\/strong> at an increased rate (often 5 to 8 times more expensive). (2) You take out a <strong>new contract<\/strong> elsewhere \u2014 if your health allows. (3) You <strong>terminate<\/strong> it. Option (2) is almost always the most economical \u2014 <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">shop around 6 months before the expiration<\/a>.<\/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 the benefit taxable?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>No<\/strong>. In Canada, the death benefit of a life insurance policy is <strong>100% tax-free<\/strong> for the designated beneficiary, regardless of the amount. It is one of the most tax-advantaged products on the market.<\/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;\">How much coverage do I need?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Rule of thumb: <strong>7 to 10 times your gross annual income<\/strong>. Add: your remaining mortgage + debts (credit card, car, student loan) + children&#8217;s education (~$60,000\/child) + $10,000 for funeral expenses. An average couple in Quebec typically needs $500,000 to $1,000,000 per spouse.<\/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 take a medical exam?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It depends on the amount requested and your age. For <strong>less than $500,000 before age 50<\/strong>, several insurers offer underwriting without a medical exam (simple questionnaire). Beyond that, a home exam is required: height, weight, blood pressure, blood and urine tests \u2014 free and quick (30 minutes), paid for by 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;\">Smokers vs non-smokers: what is the premium difference?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">About <strong>2 to 2.5 times more expensive for smokers<\/strong>. A non-smoker aged 35 pays $27\/month for $500,000 in T20; a smoker of the same age pays $62\/month. If you quit smoking, you can request a review of your status <strong>after 12 months of documented cessation<\/strong> \u2014 immediate savings.<\/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 have multiple term contracts at the same time?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes<\/strong>. You can combine multiple policies (laddering strategy) or spread your coverage among several insurers for diversification. There is no total cap in Quebec, provided that the coverage is justified by your obligations and income \u2014 that\u2019s the role of our needs analysis.<\/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 stop paying my premium?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">You generally have a <strong>30-day grace period<\/strong> to rectify. After this period, the contract is terminated and you lose the protection <strong>without cash value<\/strong> (unlike permanent life). You will need to start a new contract \u2014 at a new age and with a new medical questionnaire.<\/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 an insurance broker instead of going directly to the insurer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An insurance broker <strong>compares multiple insurers<\/strong> and presents you with the best offer among 9+ companies, <strong>at the same rate<\/strong> as if you went directly \u2014 the premiums are the same since commissions are built into the rate. Additionally, they assist you in case of a claim and review your coverage at every life stage. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">It\u2019s free and without obligation<\/a>.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between T10, T20, and T30?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Only the duration of the premium guarantee. A T10 guarantees your premium for <strong>10 years, a T20 for <\/strong><strong>20 years, and a T30 for <\/strong><strong>30 years. The death benefit remains the same. The longer the term, the higher the initial premium \u2014 but you are protected for a longer time without the risk of an increase.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I convert my T10 or T20 to permanent insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Yes, most contracts include a <\/strong><strong>conversion option that allows you to convert your term to permanent life insurance (T100 or universal) without a new medical exam. The option usually expires at 65-70 years old or before the last years of the term. Check your contract.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens at the end of the term?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Three scenarios. (1) Your contract automatically <\/strong><strong>renews at an increased rate (often 5 to 8 times more expensive). (2) You take out a <\/strong><strong>new contract elsewhere \u2014 if your health allows. (3) You <\/strong><strong>terminate it. Option (2) is almost always the most economical \u2014 <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">shop around 6 months before the expiration.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is the benefit taxable?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<strong>No. In Canada, the death benefit of a life insurance policy is <\/strong><strong>100% non-taxable for the designated beneficiary, regardless of the amount. It is one of the most tax-advantaged products on the market.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much coverage do I need?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Rule of thumb: <\/strong><strong>7 to 10 times your gross annual income. Add: your remaining mortgage + debts (credit card, auto, student loan) + children's education (~$60,000\/child) + $10,000 for funeral expenses. An average couple in Quebec generally needs $500,000 to $1,000,000 per spouse.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Do I need to take a medical exam?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It depends on the requested coverage and your age. For <\/strong><strong>less than $500,000 before age 50, several insurers offer underwriting without a medical exam (simple questionnaire). Beyond that, a home exam is required: height, weight, blood pressure, blood and urine tests \u2014 free and quick (30 minutes), paid for by the insurer.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Smokers vs non-smokers: what is the premium difference?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"About <\/strong><strong>2 to 2.5 times more expensive for smokers. A non-smoker aged 35 pays $27\/month for $500,000 in T20; a smoker of the same age pays $62\/month. If you quit smoking, you can request a review of your status <\/strong><strong>after 12 months of documented cessation \u2014 immediate savings.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I have multiple term contracts at the same time?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Yes. You can combine multiple policies (laddering strategy) or spread your coverage among several insurers for diversification. There is no total cap in Quebec, provided that the coverage is justified by your obligations and income \u2014 that is the role of our needs analysis.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if I stop paying my premium?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You generally have a <\/strong><strong>30-day grace period to rectify. After this period, the contract is terminated and you lose coverage <\/strong><strong>without cash value (unlike permanent life). You will need to start a new contract \u2014 at a new age and with a new medical questionnaire.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Why go through an insurance broker instead of going directly to the insurer?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"An insurance broker <\/strong><strong>compares several insurers and presents you with the best offer among 9+ companies, <\/strong><strong>at the same rate as if you went directly \u2014 the premiums are the same since the commissions are built into the rate. Additionally, they assist you in case of a claim and review your coverage at every stage of life. <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">It\u2019s free and without obligation.\"\n      }\n    }\n  ]\n}\n<\/a><\/strong><\/a><\/strong><\/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;\">Partner platform of <strong>AMF-certified<\/strong> firms<\/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;\">Partner firms that <strong>are members of the Chamber of Insurance<\/strong> and Chamber of Insurance<\/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;\">Independent brokers, conflict-free<\/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;\">Response within <strong>24 business hours<\/strong><\/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;\">Your protection starting at $15 per month<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">AMF independent brokers \u2014 comparison in 3 minutes, response in 24 hours.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" 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    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Home\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Insurance Products\",\n      \"item\": \"https:\/\/www.assur360.ca\/produit-assurance\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Term Life Insurance T10 T20 T30\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-temporaire-vie\/\"\n    }\n  ]\n}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Compare-all-types-of-life-insurance-in-Quebec\"><\/span>Compare all types of life insurance in Quebec<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\/assurance-vie\/\" style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83c\udfe0 Life Insurance \u2014 Main Page<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Compare all types of life insurance in Quebec in 3 minutes.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-temporaire-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\u23f1\ufe0f Term Life Insurance T10\/T20\/T30<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">The most affordable. Ideal for 10, 20, or 30 years.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-permanente\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\u267e\ufe0f Permanent Life Insurance<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Lifetime coverage + cash value.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-universelle\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83d\udcb0 Universal Life Insurance<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Protection + flexible tax placement.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-sans-examen-medical\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83e\ude7a No Medical Exam<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Quick approval, no medical visit.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83c\udfe5 Critical Illness Insurance<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Capital paid upon diagnosis of one of the 24 covered illnesses.<\/p><\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurer-partners-compared-by-Assur360\"><\/span>Insurer partners compared by Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/lunique\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">L&#8217;Unique<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">100% Quebec<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/ssq-assurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">SSQ<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Collective specialist<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/desjardins-assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Desjardins<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Cooperative QC<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/industrielle-alliance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">iA Financial Group<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Centenary<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/manuvie-assurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Manulife<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">International<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/sun-life-assurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Sun Life<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Financial strength<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/beneva-assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Beneva<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">From La Capitale+SSQ<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/economical\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Economical<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Definity Group<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/aviva\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Aviva<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Global British<\/p><\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>2026 Quebec T10 T20 T30 Term Life Insurance: Prices starting at $15\/month Term life insurance is the most economical coverage in Quebec: [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":59225,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"T10, T20, T30 Term Life Insurance Quebec 2026 | Assur360","_seopress_titles_desc":"T10 starting at $15\/month. Compare T10, T20, T30 from 9 insurers via AMF brokers. Free quote in 3 minutes \u2014 no obligation.  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