{"id":58422,"date":"2026-04-21T10:42:43","date_gmt":"2026-04-21T14:42:43","guid":{"rendered":"https:\/\/www.assur360.ca\/universal-life-insurance-quebec-2026-protection-tax-investment\/"},"modified":"2026-05-22T00:43:45","modified_gmt":"2026-05-22T04:43:45","slug":"universal-life-insurance-quebec-2026-protection-tax-investment","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/universal-life-insurance-quebec-2026-protection-tax-investment\/","title":{"rendered":"Universal Life Insurance Quebec 2026: Protection + Tax Investment"},"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=\"Universal-Life-Insurance-Quebec-2026-Protection-Tax-Investment\"><\/span>Universal Life Insurance Quebec 2026: Protection + Tax Investment<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-vie-universelle\/\",\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 universelle\", \"Assurance vie permanente\", \"Placement fiscalement abrit\u00e9\", \"Planification successorale\"],\n  \"hasCredential\": \"Certifi\u00e9 AMF (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>Universal life insurance<\/strong> combines two benefits in one policy: <strong>lifetime death protection<\/strong> and a <strong>tax-sheltered investment account<\/strong>. Your premiums in excess of the pure cost of insurance feed into an account that grows <strong>tax-free<\/strong>, much like a TFSA with no contribution limit. Ideal for <strong>professionals, entrepreneurs and high-income families<\/strong> who have maximized their RRSP and TFSA. <strong>Assur360<\/strong> compares the best universal products 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;\">SOUMISSION ASSURANCE VIE UNIVERSELLE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protection-a-vie-placement-fiscalement-abrite\"><\/span>Protection \u00e0 vie + placement fiscalement abrit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Comparez plus de 9 assureurs en 3 minutes. Courtiers ind\u00e9pendants certifi\u00e9s AMF.<\/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;\">Obtenir ma soumission gratuite<\/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;\">For life<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Guaranteed protection<\/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;\">0% tax<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">On growth<\/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\/vie-universelle-hero.jpg\" alt=\"Quebec couple 50 years old planning universal life insurance with a financial advisor\" 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=\"Lifetime-protection-tax-sheltered-investment\"><\/span>Lifetime protection + tax-sheltered investment<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>Universal life<\/strong> insurance combines permanent protection with a tax-sheltered investment account. This solution is popular with <strong>professionals and entrepreneurs<\/strong> whose RRSP and TFSA limits are already saturated. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\">Assur360 is an <strong>independent comparator<\/strong>. Our partner firms specializing in financial planning compare the illustrations of several Canadian insurers (Sun Life, Manulife, iA, Beneva). <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-universal-life-insurance-UL\"><\/span>What is universal life insurance (UL)?<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>Universal life<\/strong> is a type of permanent life insurance that separates two components: the <strong>pure cost of the insurance<\/strong> (called CPA or risk premiums) and an <strong>investment account<\/strong>. When you pay a premium that exceeds the pure cost, the surplus is invested in a tax-sheltered account \u2014 based on index, bond, equity or guaranteed rate funds that you select. <strong>This growth is tax-free as long as the money stays in the police<\/strong>. Upon your death, the death benefit (insured capital + accumulated value in some formulas) is paid to your beneficiaries <strong>100% tax-free<\/strong>.  <\/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\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Guaranteed lifetime protection<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The death benefit never goes out \u2014 as long as you pay the pure cost of the insurance. Unlike the T20 or T30, there is no maturity. <\/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\udcc8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Tax-sheltered investment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The growth of the investment account is <strong>tax-free<\/strong> as long as the funds remain in the policy \u2014 with no annual limit like a TFSA.<\/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\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Premium flexibility<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">You can increase your payments (to invest more) or temporarily reduce them (by drawing on the accumulated value) depending on your situation.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Universal-vs-Whole-Life-vs-Temporary-Quick-Comparison\"><\/span>Universal vs. Whole Life vs. Temporary: Quick Comparison<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&#8217;s how Universal Life compares to the other two major categories of life insurance available in Quebec:<\/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;\">Temporary Criterion<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">(T20)<\/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;\">Protection Duration<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">20 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;\">Premium flexibility<\/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;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Fixed Variable<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Flexibility of Fixed Modular<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Capital<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Investment Account<\/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;\">Guaranteed Value<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u00c0 la carte<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Investment Choices<\/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;\">Managed by the insurer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">More than 40 funds to choose from<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Tax Growth<\/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;\">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;font-weight:600;color:#0d1f2d;\">Access to Living 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, Policy Loan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, Withdrawal or Loan<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Simple<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Complexity Medium<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">High \u2014 guidance required<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><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;\">Protection 20 Years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Simple Estate<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Advanced 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;\">*Pour comprendre les alternatives, consultez <a href=\"https:\/\/www.assur360.ca\/assurance-temporaire-vie\/\">assurance temporaire T10\/T20\/T30<\/a> et <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\">assurance vie<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-a-universal-policy-work-in-practice\"><\/span>How does a universal policy work in practice?<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;\">You pay a premium (e.g. $500\/month)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The premium includes the pure cost of insurance (CPA), administrative fees, and the surplus that goes to the investment account.<\/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;\">The pure cost is deducted every month<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The insurer automatically deducts the CPA according to your age (it increases every year) \u2014 but your total premium can remain fixed if you choose it.<\/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;\">The surplus is invested according to your profile<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">You can choose from more than 40 funds (S&#038;P\/TSX index, bond, balanced, sector) or guaranteed interest (GIC). Your choices can be changed at no charge. <\/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;\">Accumulated value grows tax-free<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">As long as the money remains in the policy, the investment gains are <strong>tax-free<\/strong>. Considerable compositional effect over 20-40 years. <\/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;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Upon death, capital + value paid out tax-free<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Depending on the type of principal you choose (level, ascend or &#8220;account + capital&#8221;), your beneficiaries receive a tax-free amount \u2014 sometimes including the accumulated investment value.<\/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;\">Golden rule \u2014 Exhaust TFSAs and RRSPs first<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Universal life is <strong style=\"color:#ffffff;\">rarely the right choice if you haven&#8217;t already maxed out your TFSA ($7,000\/year) and RRSP.<\/strong> Both of these vehicles offer similar tax benefits with fewer fees and more liquidity. The UL becomes relevant <strong style=\"color:#ffffff;\">after these accounts have been saturated<\/strong> , or for specific purposes: inheritance transfer, incorporation, complex tax planning.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-is-universal-life-insurance-for\"><\/span>Who is universal life insurance for?<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;\">\ud83d\udc54 Incorporated Professionals<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Doctors, dentists, lawyers, pharmacists, incorporated engineers looking to get money out of their CCPC with minimal tax \u2014 the corporate UL is a powerful tool.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfe2 Entrepreneurs and SMEs<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">To fund a buy-sell agreement between partners, cover a &#8220;key person&#8221; or plan for the transfer of the business to the next generation.<\/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\udc8e High net assets ($1M+)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Minimize death tax on taxable investments, income properties, stocks or RRSPs (50% final tax in Quebec).<\/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\udc68 \ud83d\udc69 \ud83d\udc67 \ud83d\udc66 Families with complex heritage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Equalize the inheritance between heirs, leave a bequest to a foundation, or create a family trust funded by the death benefit.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-monthly-premium-%E2%80%94-universal-policies\"><\/span>Indicative monthly premium \u2014 universal policies<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;\">Rates vary depending on the type of principal (level, ascending, or account + principal) and pure cost (T100 guaranteed vs. annual renewable). Examples for <strong>$500,000<\/strong>, non-smoking, good health, CPA T100 guaranteed: <\/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;\">Male CPA T100<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Female CPA T100<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Min monthly contribution<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Max exempt contribution<\/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;\">$185\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$150\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$55\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$780\/month<\/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;\">$225\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$175\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$72\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$950\/month<\/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;\">$285\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$220\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$95\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,200\/month<\/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;\">360\/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;\">$125\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,580\/month<\/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;\">$475\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$370\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$165\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,100\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">55 years $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">625\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$490\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$220\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,850\/month<\/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;\">825\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$650\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$295\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$3,850\/month<\/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;\">*Primes indicatives 2026. La contribution \u00ab max exon\u00e9r\u00e9e \u00bb respecte la limite LIA\/TAR pour conserver l&#8217;exon\u00e9ration fiscale. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Obtenez votre plan personnalis\u00e9<\/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 tax exemption limit (TAR)<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">If your investment account exceeds the <strong>actuarial limit prescribed by the CRA<\/strong>, the policy loses its exempt status and the gains become taxable annually. Your AMF broker will calculate the <strong>maximum exempt contribution<\/strong> based on your age, capital and expected term \u2014 never contribute more than this limit. <\/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;\">PLAN PERSONNALIS\u00c9<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Obtenez votre analyse universelle gratuite<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Les courtiers de nos cabinets partenaires mod\u00e9lisent votre police et projettent sa croissance sur 20-40 ans.<\/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;\">Comparer maintenant<\/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=\"3-types-of-UL-death-benefit\"><\/span>3 types of UL death benefit<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;\">\u2796<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Leveled capital<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The death benefit remains the same for life (e.g., always $500,000). <strong>Lower premium<\/strong> \u2013 the investment value is absorbed into the capital, does not increase the benefit.<\/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;\">Increasing capital (account + capital)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Initial capital + accumulated value paid at death. <strong>Higher premium<\/strong> \u2014 but death benefit grows with your investment. Maximizes legacy. <\/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\udd04<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Indexed capital (CPI)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The capital is indexed to inflation automatically. Purchasing power protection for beneficiaries. About 10-15% more expensive than a level.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UL-Investment-Strategies\"><\/span>UL Investment Strategies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);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;\">\ud83c\udf10<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Global Index Funds<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Replicate the major indices (S&#038;P 500, TSX, MSCI World) with very low fees (0.5-1.5% annually). Ideal for a long horizon (20+ years). <\/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\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Guaranteed Interest (GIA\/GIC)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Guaranteed fixed rate over 1, 3, 5 or 10 years. No capital risk. For the conservative portion of the portfolio or after age 65.  <\/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;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Managed balanced funds<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Automatic mix of equities and bonds rebalanced by the manager (60\/40 or 70\/30). For savers who don&#8217;t want to actively monitor their investments. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfaf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Lifecycle portfolio<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Mix automatically recalibrates to your age \u2014 no more stocks at 35, no more bonds at 65. Simplicity and autopilot. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-access-your-policy-money\"><\/span>How to access your policy money?<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;\">\ud83c\udfe6 Policy Loan<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Borrow from your own accumulated value at a prime rate. <strong>Neither taxable nor reported to the CRA<\/strong>. You can repay or not \u2014 the balance is deducted from the death benefit. <\/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\udcb3 Direct withdrawal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Take out some of the accumulated value directly. <strong>Possibly taxable<\/strong> on the portion of earnings (above the adjusted cost basis \u2014 ACB). Tax strategy to be planned. <\/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\udd04 Partial redemption<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Reduce your face amount to free up a portion of value. Reduces your future benefit but frees up immediate cash. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfe2 Bank loan guarantee<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Use your universal policy as collateral for a bank loan. You borrow from a bank at a commercial rate rather than dipping into the police \u2014 advanced strategy. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key-Tax-Benefits-for-Incorporated-Persons\"><\/span>Key Tax Benefits for Incorporated Persons<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;\">For professionals and entrepreneurs with a business corporation (<strong>CCPC<\/strong>), universal corporate life has unique advantages:<\/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\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Reducing corporate taxes<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Excess premiums are <strong>tax-free invested in the corporation<\/strong> \u2014 unlike a corporate investment that is taxable at 50%+ in Quebec.<\/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\udcb8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Capital Dividend Account (CDA)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The death benefit generates a credit to the CDA, allowing heirs to receive a <strong>tax-free dividend<\/strong> from the corporation.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfaf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Buy-sell agreement<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Finances the redemption of a deceased shareholder&#8217;s shares by the other shareholders \u2014 with tax-exempt corporate funds.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Universal-Life-Insurance-in-Quebec-Where-We-Serve\"><\/span>Universal Life 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;\">The brokers of our <strong>Assur360<\/strong> partner firms support Quebec professionals and contractors throughout the province. We particularly serve <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Brossard<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Thetford Mines<\/strong>. Universal Living is a complex product that requires <strong>personalized tax analysis<\/strong> \u2014 our brokers work with your accountant or tax professional to structure the optimal solution, no matter where you&#8217;re in any region.  <\/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;\">Assurance vie au Qu\u00e9bec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Vue d&#8217;ensemble des produits : temporaire, permanente, universelle \u2014 tous les types expliqu\u00e9s.<\/p>\n  <\/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;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance temporaire T10\/T20\/T30<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protection temporaire \u00e9conomique \u00e0 partir de 15 $\/mois \u2014 id\u00e9ale pour hypoth\u00e8que ou jeunes enfants.<\/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;\">Assurance maladies graves<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Capital forfaitaire d\u00e8s le diagnostic d&#8217;un cancer, AVC, infarctus ou 21 autres maladies.<\/p>\n  <\/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;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance vie sans examen m\u00e9dical<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">\u00c9mission simplifi\u00e9e pour les personnes avec ant\u00e9c\u00e9dents de sant\u00e9 particuliers.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Universal-Life-Insurance\"><\/span>Frequently Asked Questions \u2014 Universal 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;\">Quelle est la diff\u00e9rence entre vie universelle et vie enti\u00e8re (T100) ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">La <strong>vie enti\u00e8re<\/strong> a une prime fixe et une valeur de rachat garantie g\u00e9r\u00e9e par l&#8217;assureur \u2014 vous n&#8217;avez aucun choix d&#8217;investissement. La <strong>vie universelle<\/strong> vous donne le contr\u00f4le : primes flexibles, choix parmi 40+ fonds, et capital modulable. En \u00e9change, vous portez le risque de performance et devez suivre votre police. La vie enti\u00e8re convient aux profils \u00ab passifs \u00bb ; la VU aux profils impliqu\u00e9s ou ayant des conseils professionnels.<\/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;\">Est-ce que la croissance du placement dans une VU est vraiment libre d&#8217;imp\u00f4t ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Oui, tant que les fonds restent dans la police<\/strong> et que la police respecte la <strong>limite d&#8217;exon\u00e9ration fiscale (TAR)<\/strong> prescrite par l&#8217;ARC. Si vous retirez des gains, la portion au-del\u00e0 du co\u00fbt de base rajust\u00e9 (CBR) est imposable. Au d\u00e9c\u00e8s, tout est transmis <strong>100 % non imposable<\/strong>.<\/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;\">Puis-je perdre de l&#8217;argent dans une vie universelle ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Oui, dans la portion de placement<\/strong> si vos fonds boursiers baissent. Le capital d\u00e9c\u00e8s de base, lui, reste garanti tant que le co\u00fbt pur est pay\u00e9. Pour \u00e9viter les pertes, vous pouvez choisir 100 % en int\u00e9r\u00eats garantis (GIC) \u2014 mais la croissance sera limit\u00e9e \u00e0 3-5 %\/an. Strat\u00e9gie id\u00e9ale : mixage conservateur + actions indicielles sur long terme.<\/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;\">\u00c0 partir de quel revenu une VU est-elle int\u00e9ressante ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">G\u00e9n\u00e9ralement d\u00e8s que vos <strong>revenus imposables d\u00e9passent 150 000 $\/an<\/strong> et que vous avez d\u00e9j\u00e0 maximis\u00e9 CELI et REER. En de\u00e7\u00e0, les avantages fiscaux ne compensent pas les frais de la police. Pour les incorpor\u00e9s, le seuil est plus bas (80 000 $\/an dans la soci\u00e9t\u00e9) gr\u00e2ce aux avantages corporatifs et au CDC.<\/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;\">Combien co\u00fbtent les frais d&#8217;une police universelle ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Les frais incluent : <strong>frais d&#8217;administration<\/strong> (2-10 $\/mois), <strong>frais de gestion des fonds<\/strong> (RFG de 0,5 \u00e0 2,5 % annuel), <strong>frais de rachat anticip\u00e9<\/strong> les premi\u00e8res 10-15 ann\u00e9es. Les produits indiciels \u00e0 faible co\u00fbt existent \u2014 nos <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">courtiers AMF<\/a> comparent les structures tarifaires de chaque assureur.<\/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;\">Puis-je mettre une VU dans mon SPCC (soci\u00e9t\u00e9 par actions) ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Oui<\/strong>, c&#8217;est m\u00eame l&#8217;une des applications les plus puissantes. La soci\u00e9t\u00e9 paie les primes avec des dollars apr\u00e8s imp\u00f4t corporatif (26,5 % au Qu\u00e9bec) plut\u00f4t qu&#8217;avec des dollars apr\u00e8s imp\u00f4t personnel (50 %+). Au d\u00e9c\u00e8s, le capital g\u00e9n\u00e8re un CDC permettant aux h\u00e9ritiers de recevoir un dividende libre d&#8217;imp\u00f4t. Consultation avec votre comptable requise.<\/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;\">Que se passe-t-il si je n&#8217;atteins pas la contribution minimale ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Votre police puise automatiquement dans la valeur de placement pour couvrir le co\u00fbt pur. Tant qu&#8217;il reste de la valeur, la police reste en vigueur. <strong>Si la valeur tombe \u00e0 z\u00e9ro et que vous n&#8217;ajoutez rien, la police se r\u00e9silie<\/strong>. D&#8217;o\u00f9 l&#8217;importance d&#8217;une planification long terme avec votre courtier.<\/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;\">Puis-je transf\u00e9rer ma vie universelle \u00e0 mes enfants ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Oui<\/strong>, vous pouvez c\u00e9der la propri\u00e9t\u00e9 de votre police \u00e0 un enfant majeur sans disposition imposable (selon l&#8217;ARC, si la cession est \u00e0 <strong>co\u00fbt de base rajust\u00e9<\/strong>). Strat\u00e9gie avanc\u00e9e de transfert interg\u00e9n\u00e9rationnel utilis\u00e9e pour planifier la succession et minimiser l&#8217;imp\u00f4t.<\/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;\">Vie universelle ou CELI : lequel en premier ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>CELI en premier, toujours.<\/strong> Plafond 2026 : 7 000 $\/an, 102 000 $ cumulatif. Aucuns frais de gestion impos\u00e9s par un assureur, liquidit\u00e9 totale, et m\u00eame traitement fiscal (croissance exon\u00e9r\u00e9e). La VU est compl\u00e9mentaire au CELI, pas substitutive \u2014 on l&#8217;utilise quand on a \u00e9puis\u00e9 les v\u00e9hicules enregistr\u00e9s.<\/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;\">Est-ce qu&#8217;un courtier peut m&#8217;aider \u00e0 analyser si la VU me convient ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Oui, gratuitement<\/strong>. Les courtiers de nos cabinets partenaires r\u00e9alisent une <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">analyse compl\u00e8te de besoins<\/a> : profil fiscal, objectifs, tol\u00e9rance au risque, patrimoine actuel. Ils projettent les sc\u00e9narios sur 20, 30 et 40 ans et recommandent (ou d\u00e9conseillent) la VU selon votre r\u00e9alit\u00e9. Nous ne vendons pas \u2014 nous conseillons.<\/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 vie universelle et vie enti\u00e8re (T100) ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"La <strong>vie enti\u00e8re a une prime fixe et une valeur de rachat garantie g\u00e9r\u00e9e par l'assureur \u2014 vous n'avez aucun choix d'investissement. La <\/strong><strong>vie universelle vous donne le contr\u00f4le : primes flexibles, choix parmi 40+ fonds, et capital modulable. En \u00e9change, vous portez le risque de performance et devez suivre votre police. La vie enti\u00e8re convient aux profils \u00ab passifs \u00bb ; la VU aux profils impliqu\u00e9s ou ayant des conseils professionnels.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce que la croissance du placement dans une VU est vraiment libre d'imp\u00f4t ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, tant que les fonds restent dans la police et que la police respecte la <\/strong><strong>limite d'exon\u00e9ration fiscale (TAR) prescrite par l'ARC. Si vous retirez des gains, la portion au-del\u00e0 du co\u00fbt de base rajust\u00e9 (CBR) est imposable. Au d\u00e9c\u00e8s, tout est transmis <\/strong><strong>100 % non imposable.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je perdre de l'argent dans une vie universelle ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, dans la portion de placement si vos fonds boursiers baissent. Le capital d\u00e9c\u00e8s de base, lui, reste garanti tant que le co\u00fbt pur est pay\u00e9. Pour \u00e9viter les pertes, vous pouvez choisir 100 % en int\u00e9r\u00eats garantis (GIC) \u2014 mais la croissance sera limit\u00e9e \u00e0 3-5 %\/an. Strat\u00e9gie id\u00e9ale : mixage conservateur + actions indicielles sur long terme.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u00c0 partir de quel revenu une VU est-elle int\u00e9ressante ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"G\u00e9n\u00e9ralement d\u00e8s que vos <\/strong><strong>revenus imposables d\u00e9passent 150 000 $\/an et que vous avez d\u00e9j\u00e0 maximis\u00e9 CELI et REER. En de\u00e7\u00e0, les avantages fiscaux ne compensent pas les frais de la police. Pour les incorpor\u00e9s, le seuil est plus bas (80 000 $\/an dans la soci\u00e9t\u00e9) gr\u00e2ce aux avantages corporatifs et au CDC.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbtent les frais d'une police universelle ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les frais incluent : <\/strong><strong>frais d'administration (2-10 $\/mois), <\/strong><strong>frais de gestion des fonds (RFG de 0,5 \u00e0 2,5 % annuel), <\/strong><strong>frais de rachat anticip\u00e9 les premi\u00e8res 10-15 ann\u00e9es. Les produits indiciels \u00e0 faible co\u00fbt existent \u2014 nos <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">courtiers AMF comparent les structures tarifaires de chaque assureur.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je mettre une VU dans mon SPCC (soci\u00e9t\u00e9 par actions) ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<strong>Oui, c'est m\u00eame l'une des applications les plus puissantes. La soci\u00e9t\u00e9 paie les primes avec des dollars apr\u00e8s imp\u00f4t corporatif (26,5 % au Qu\u00e9bec) plut\u00f4t qu'avec des dollars apr\u00e8s imp\u00f4t personnel (50 %+). Au d\u00e9c\u00e8s, le capital g\u00e9n\u00e8re un CDC permettant aux h\u00e9ritiers de recevoir un dividende libre d'imp\u00f4t. Consultation avec votre comptable requise.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que se passe-t-il si je n'atteins pas la contribution minimale ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Votre police puise automatiquement dans la valeur de placement pour couvrir le co\u00fbt pur. Tant qu'il reste de la valeur, la police reste en vigueur. <\/strong><strong>Si la valeur tombe \u00e0 z\u00e9ro et que vous n'ajoutez rien, la police se r\u00e9silie. D'o\u00f9 l'importance d'une planification long terme avec votre courtier.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je transf\u00e9rer ma vie universelle \u00e0 mes enfants ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, vous pouvez c\u00e9der la propri\u00e9t\u00e9 de votre police \u00e0 un enfant majeur sans disposition imposable (selon l'ARC, si la cession est \u00e0 <\/strong><strong>co\u00fbt de base rajust\u00e9). Strat\u00e9gie avanc\u00e9e de transfert interg\u00e9n\u00e9rationnel utilis\u00e9e pour planifier la succession et minimiser l'imp\u00f4t.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Vie universelle ou CELI : lequel en premier ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>CELI en premier, toujours. Plafond 2026 : 7 000 $\/an, 102 000 $ cumulatif. Aucuns frais de gestion impos\u00e9s par un assureur, liquidit\u00e9 totale, et m\u00eame traitement fiscal (croissance exon\u00e9r\u00e9e). La VU est compl\u00e9mentaire au CELI, pas substitutive \u2014 on l'utilise quand on a \u00e9puis\u00e9 les v\u00e9hicules enregistr\u00e9s.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce qu'un courtier peut m'aider \u00e0 analyser si la VU me convient ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, gratuitement. Les courtiers de nos cabinets partenaires r\u00e9alisent une <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">analyse compl\u00e8te de besoins : profil fiscal, objectifs, tol\u00e9rance au risque, patrimoine actuel. Ils projettent les sc\u00e9narios sur 20, 30 et 40 ans et recommandent (ou d\u00e9conseillent) la VU selon votre r\u00e9alit\u00e9. Nous ne vendons pas \u2014 nous conseillons.\"\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 Chambre de l&#8217;assurance<\/strong> and Chambre de l&#8217;assurance<\/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;\">SOUMISSION GRATUITE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Votre plan de vie universelle personnalis\u00e9<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Courtiers AMF ind\u00e9pendants, collaboration avec votre comptable possible \u2014 sans frais, sans engagement.<\/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;\">Obtenir ma soumission<\/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 universelle\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-vie-universelle\/\"\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 Assurance vie \u2014 Page principale<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Comparez tous les types d&#8217;assurance vie au Qu\u00e9bec en 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 Assurance vie temporaire T10\/T20\/T30<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">La plus abordable. Id\u00e9ale pour 10, 20 ou 30 ans.<\/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 Assurance vie permanente<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Couverture \u00e0 vie + valeur de rachat.<\/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 Assurance vie universelle<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Protection + placement fiscal flexible.<\/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 Sans examen m\u00e9dical<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Approbation rapide, sans visite m\u00e9dicale.<\/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 Assurance maladie grave<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Capital vers\u00e9 d\u00e8s le diagnostic d&#8217;une des 24 maladies couvertes.<\/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 % qu\u00e9b\u00e9cois<\/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;\">Sp\u00e9cialiste collectif<\/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;\">Coop\u00e9ratif 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 Industrielle Alliance<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Centenaire<\/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;\">Manuvie<\/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;\">Solidit\u00e9 financi\u00e8re<\/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;\">Issu 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;\">Britannique mondial<\/p><\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Universal Life Insurance Quebec 2026: Protection + Tax Investment Universal life insurance combines two benefits in one policy: lifetime death protection and [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":59223,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Universal Life Insurance Quebec 2026 | Assur360","_seopress_titles_desc":"Permanent protection + tax-sheltered investment. Assur360 compares 9 insurers via AMF brokers.  Free quote in 3 minutes.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-58422","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/58422","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=58422"}],"version-history":[{"count":10,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/58422\/revisions"}],"predecessor-version":[{"id":67900,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/58422\/revisions\/67900"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/59223"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=58422"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}