{"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":"2026-04-23T23:34:51","modified_gmt":"2026-04-24T03:34:51","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<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\": [\"Assurance vie temporaire\", \"Assurance T10\", \"Assurance T20\", \"Assurance T30\"],\n  \"hasCredential\": \"Certifi\u00e9 AMF (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\"><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-15-per-month\"><\/span>Protect your family from $15 per 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. Independent brokers certified by AMF. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my free quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$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<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 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 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 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 style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*2026 indicative monthly premiums for $500,000, non-smoking, good health. <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\">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 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 style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">To understand in detail, check out our <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\">life insurance<\/a> and <a href=\"https:\/\/www.assur360.ca\/en\/universal-life-insurance-quebec-2026-protection-tax-investment\/\">universal life insurance<\/a> guides.<\/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 COMPARATOR<\/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 with no conflict of interest. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<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;\">Transformation option<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Allows you to convert your temporary term into permanent life, <strong>without a new medical exam<\/strong>, even if your health has deteriorated. Present 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 premium) for key coverage. <\/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 href=\"https:\/\/www.assur360.ca\/en\/critical-illness-insurance-4\/\">critical illness coverage<\/a> (cancer, stroke, heart attack) to the same policy. 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 25 years old for about $5-7\/month. Convertible to adulthood without a new medical submission. <\/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 receive up to 50% of the capital during your lifetime if you are diagnosed in the terminal phase (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;\">Double accidental indemnity<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Doubles the paid-up capital if the death is the result of an accident. Very inexpensive (~$2-4\/month) \u2014 useful if you travel a lot or work in a risky 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 style=\"font-size:16px;line-height:1.8;color:#334155;\">Our <strong>Assur360<\/strong> 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\/en\/life-insurance-compare-online\/\" 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: temporary, permanent, universal \u2014 all coverage explained.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/universal-life-insurance-quebec-2026-protection-tax-investment\/\" 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\/en\/critical-illness-insurance-4\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Critical illness insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Lump sum capital from the diagnosis of cancer, stroke, heart attack or 21 other diseases.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/disability-insurance-in-quebec\/\" 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>, 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&#8217;re protected for longer 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 policies 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 is <strong>automatically renewed<\/strong> at a higher rate (often 5 to 8 times more expensive). (2) You take out a <strong>new policy<\/strong> elsewhere \u2014 health permitting. (3) You <strong>finish it<\/strong>. Option (2) is almost always the most economical \u2014 <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\">shop again 6 months before the deadline<\/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 paid-up capital 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-efficient 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 capital 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 (card, car, student loan) + children&#8217;s education (~$60,000\/child) + $10,000 in 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 have 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 capital requested and your age. For <strong>less than $500,000 before age 50<\/strong>, many insurers offer a subscription without a medical exam (simple questionnaire). Beyond that, a home examination 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 difference in premium?<\/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 35-year-old non-smoker pays $27\/month for $500,000 in T20; A smoker at the same age pays $62\/month. If you quit smoking, you can apply for a review of your status <strong>after 12 months of documented quitting<\/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 several temporary 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 several policies (&#8220;laddering&#8221; strategy) or spread your capital between several insurers to diversify. There is no total limit in Quebec, provided that the capital is justified by your obligations and income \u2014 this is 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 usually have a <strong>30-day grace period<\/strong> to regularize. After this period, the contract is terminated and you lose the protection <strong>with no cash surrender value<\/strong> (unlike a permanent life). You have to start a new contract \u2014 at a new age and 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 a broker rather than going directly to the insurer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A broker <strong>compares several 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 the commissions are built into the rate. In addition, he or she accompanies you in the event of a claim and reviews your coverage at each stage of your life. <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\">It&#8217;s 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\": \"Quelle est la diff\u00e9rence entre T10, T20 et T30 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Uniquement la dur\u00e9e de la garantie de prime. Un T10 garantit votre prime pendant <strong>10 ans, un T20 pendant <\/strong><strong>20 ans, un T30 pendant <\/strong><strong>30 ans. Le capital d\u00e9c\u00e8s reste le m\u00eame. Plus le terme est long, plus la prime initiale est \u00e9lev\u00e9e \u2014 mais vous \u00eates prot\u00e9g\u00e9 plus longtemps sans risque d'augmentation.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je convertir mon T10 ou T20 en assurance permanente ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, la plupart des contrats incluent une <\/strong><strong>option de transformation qui permet de convertir votre terme en assurance vie permanente (T100 ou universelle) sans nouvel examen m\u00e9dical. L'option expire g\u00e9n\u00e9ralement \u00e0 65-70 ans ou avant les derni\u00e8res ann\u00e9es du terme. V\u00e9rifiez votre contrat.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que se passe-t-il \u00e0 la fin du terme ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Trois sc\u00e9narios. (1) Votre contrat se <\/strong><strong>renouvelle automatiquement \u00e0 un tarif major\u00e9 (souvent 5 \u00e0 8 fois plus cher). (2) Vous souscrivez un <\/strong><strong>nouveau contrat ailleurs \u2014 si votre sant\u00e9 le permet. (3) Vous le <\/strong><strong>terminez. L'option (2) est presque toujours la plus \u00e9conomique \u2014 <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">refaites magasiner 6 mois avant l'\u00e9ch\u00e9ance.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Le capital vers\u00e9 est-il imposable ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<strong>Non. Au Canada, le capital d\u00e9c\u00e8s d'une assurance vie est <\/strong><strong>100 % non imposable pour le b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9, peu importe le montant. C'est un des produits les plus avantageux fiscalement du march\u00e9.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien de capital ai-je besoin ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"R\u00e8gle de base : <\/strong><strong>7 \u00e0 10 fois votre revenu annuel brut. Ajoutez : votre hypoth\u00e8que restante + les dettes (carte, auto, pr\u00eat \u00e9tudiant) + les \u00e9tudes des enfants (~60 000 $\/enfant) + 10 000 $ de frais fun\u00e9raires. Un couple moyen au Qu\u00e9bec a g\u00e9n\u00e9ralement besoin de 500 000 \u00e0 1 000 000 $ par conjoint.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Dois-je passer un examen m\u00e9dical ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Cela d\u00e9pend du capital demand\u00e9 et de votre \u00e2ge. Pour <\/strong><strong>moins de 500 000 $ avant 50 ans, plusieurs assureurs offrent une souscription sans examen m\u00e9dical (simple questionnaire). Au-del\u00e0, un examen \u00e0 domicile est requis : taille, poids, tension, prise de sang et d'urine \u2014 gratuit et rapide (30 minutes), pay\u00e9 par l'assureur.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Fumeurs vs non-fumeurs : quelle diff\u00e9rence de prime ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Environ <\/strong><strong>2 \u00e0 2,5 fois plus cher pour les fumeurs. Un non-fumeur de 35 ans paie 27 $\/mois pour 500 000 $ en T20 ; un fumeur au m\u00eame \u00e2ge paie 62 $\/mois. Si vous arr\u00eatez de fumer, vous pouvez demander la r\u00e9vision de votre statut <\/strong><strong>apr\u00e8s 12 mois d'arr\u00eat document\u00e9 \u2014 \u00e9conomies imm\u00e9diates.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je avoir plusieurs contrats temporaires en m\u00eame temps ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui. Vous pouvez cumuler plusieurs polices (strat\u00e9gie \u00ab laddering \u00bb) ou r\u00e9partir votre capital entre plusieurs assureurs pour diversifier. Aucun plafond total au Qu\u00e9bec, \u00e0 condition que le capital soit justifi\u00e9 par vos obligations et votre revenu \u2014 c'est le r\u00f4le de notre analyse de besoins.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que se passe-t-il si j'arr\u00eate de payer ma prime ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Vous avez g\u00e9n\u00e9ralement un <\/strong><strong>d\u00e9lai de gr\u00e2ce de 30 jours pour r\u00e9gulariser. Pass\u00e9 ce d\u00e9lai, le contrat est r\u00e9sili\u00e9 et vous perdez la protection <\/strong><strong>sans valeur de rachat (contrairement \u00e0 une vie permanente). Il faut recommencer un nouveau contrat \u2014 \u00e0 un nouvel \u00e2ge et un nouveau questionnaire m\u00e9dical.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Pourquoi passer par un courtier plut\u00f4t que d'aller directement \u00e0 l'assureur ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Un courtier <\/strong><strong>compare plusieurs assureurs et vous pr\u00e9sente la meilleure offre parmi 9+ compagnies, <\/strong><strong>au m\u00eame tarif que si vous alliez directement \u2014 les primes sont les m\u00eames puisque les commissions sont int\u00e9gr\u00e9es au tarif. En plus, il vous accompagne en cas de r\u00e9clamation et r\u00e9vise votre protection \u00e0 chaque \u00e9tape de vie. <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">C'est gratuit et sans engagement.\"\n      }\n    }\n  ]\n}\n<!-- wpml:html_fragment <\/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;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> and CSF member<\/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;\">Independent AMF brokers \u2014 3-minute comparison, 24-hour response.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\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\": \"Produits d'assurance\",\n      \"item\": \"https:\/\/www.assur360.ca\/produit-assurance\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Assurance vie temporaire T10 T20 T30\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-temporaire-vie\/\"\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Term life insurance is the most economical coverage in Quebec: starting at $15 per month for $500,000 of coverage at age 30, [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":59225,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"T10, T20, T30 Term Life Insurance Quebec 2026 | Assur360","_seopress_titles_desc":"T10 starting at $15\/month. 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