{"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":"2026-06-26T00:27:37","modified_gmt":"2026-06-26T04:27:37","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\": [\"Universal life insurance\", \"Permanent life insurance\", \"Tax-sheltered investment\", \"Estate planning\"],\n  \"hasCredential\": \"AMF Certified (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>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;\">UNIVERSAL LIFE INSURANCE QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><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:#94a3b8;margin:0 0 28px;\">Compare over 9 insurers in 3 minutes. AMF-certified independent brokers.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my free quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">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 policy<\/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;\">*To understand the alternatives, consult <a href=\"https:\/\/www.assur360.ca\/assurance-temporaire-vie\/\">temporary insurance T10\/T20\/T30<\/a> and <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\">life insurance<\/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;\">*Indicative premiums 2026. The &#8220;max exempt contribution&#8221; respects the LIA\/TAR limit to maintain tax exemption. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Get your personalized plan<\/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;\">PERSONALIZED PLAN<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Get your free universal analysis<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">The brokers from our partner firms model your policy and project its growth over 20-40 years.<\/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;\">Compare now<\/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;\">Life Insurance in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Overview of products: term, permanent, universal \u2014 all types explained.<\/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;\">Term Insurance T10\/T20\/T30<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Affordable temporary protection starting at $15\/month \u2014 ideal for mortgage or young children.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Critical Illness Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Lump sum payment upon diagnosis of cancer, stroke, heart attack, or 21 other illnesses.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-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;\">No Medical Exam Life Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Simplified issuance for individuals with specific health histories.<\/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;\">What is the difference between universal life and whole life (T100)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Whole life has a fixed premium and a guaranteed cash value managed by the insurer \u2014 you have no investment choices. Universal life gives you control: flexible premiums, choice of 40+ funds, and adjustable capital. In exchange, you bear the performance risk and must monitor your policy. Whole life is suitable for &#8220;passive&#8221; profiles; universal life is for engaged profiles or those with professional advice.<\/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 growth of investments in a universal life policy really tax-free?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes, as long as the funds remain in the policy<\/strong> and the policy adheres to the <strong>tax exemption limit (TEL)<\/strong> prescribed by the CRA. If you withdraw gains, the portion above the adjusted cost base (ACB) is taxable. Upon death, everything is transferred <strong>100% tax-free<\/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;\">Can I lose money in a universal life policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes, in the investment portion<\/strong> if your stock funds decline. The basic death benefit remains guaranteed as long as the pure cost is paid. To avoid losses, you can choose 100% in guaranteed interest (GIC) \u2014 but growth will be limited to 3-5%\/year. Ideal strategy: conservative mix + index stocks for the long term.<\/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;\">At what income level is a universal life policy interesting?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Generally, as soon as your <strong>taxable income exceeds $150,000\/year<\/strong> and you have already maximized your TFSA and RRSP. Below that, the tax benefits do not offset the policy costs. For incorporated individuals, the threshold is lower ($80,000\/year in the corporation) due to corporate benefits and the CDA.<\/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 do the fees for a universal life policy cost?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Fees include: <strong>administration fees<\/strong> ($2-10\/month), <strong>fund management fees<\/strong> (MER of 0.5% to 2.5% annually), <strong>early withdrawal fees<\/strong> for the first 10-15 years. Low-cost index products exist \u2014 our <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">AMF brokers<\/a> compare the fee structures of each insurer.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I put a universal life policy in my corporation (incorporated company)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes<\/strong>, it is even one of the most powerful applications. The corporation pays the premiums with after-tax corporate dollars (26.5% in Quebec) rather than with after-tax personal dollars (50%+). Upon death, the capital generates a CDA allowing heirs to receive a tax-free dividend. Consultation with your accountant is required.<\/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 do not meet the minimum contribution?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Your policy automatically draws from the cash value to cover the pure cost. As long as there is cash value remaining, the policy remains in force. <strong>If the cash value drops to zero and you do not add anything, the policy is terminated<\/strong>. Hence the importance of long-term planning with your insurance broker.<\/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 transfer my universal life policy to my children?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes<\/strong>, you can transfer ownership of your policy to an adult child without taxable disposition (according to the CRA, if the transfer is at <strong>adjusted cost base<\/strong>). This advanced intergenerational transfer strategy is used to plan succession and minimize tax.<\/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;\">Universal life or TFSA: which one first?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>TFSA first, always.<\/strong> 2026 limit: $7,000\/year, $102,000 cumulative. No management fees imposed by an insurer, total liquidity, and the same tax treatment (tax-exempt growth). Universal life is complementary to TFSA, not substitutive \u2014 it is used when registered vehicles are exhausted.<\/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 a broker help me analyze if universal life is right for me?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes, for free<\/strong>. Brokers from our partner firms conduct a <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">comprehensive needs analysis<\/a>: tax profile, objectives, risk tolerance, current assets. They project scenarios over 20, 30, and 40 years and recommend (or advise against) universal life based on your reality. We do not sell \u2014 we advise.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between universal life and whole life (T100)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Whole <strong>life has a fixed premium and a guaranteed cash value managed by the insurer \u2014 you have no investment choices. Universal <\/strong><strong>life gives you control: flexible premiums, choice among 40+ funds, and adjustable capital. In exchange, you bear the performance risk and must monitor your policy. Whole life is suitable for \\\"passive\\\" profiles; UL is for engaged profiles or those with professional advice.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is the growth of an investment in a UL really tax-free?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Yes, as long as the funds remain in the policy and the policy complies with the <\/strong><strong>tax exemption limit (TEL) prescribed by the CRA. If you withdraw gains, the portion above the adjusted cost base (ACB) is taxable. Upon death, everything is transferred <\/strong><strong>100% tax-free.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I lose money in a universal life?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Yes, in the investment portion if your stock funds decline. The basic death benefit remains guaranteed as long as the pure cost is paid. To avoid losses, you can choose 100% in guaranteed interest (GIC) \u2014 but growth will be limited to 3-5%\/year. Ideal strategy: conservative mix + index equities for the long term.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"At what income level is a UL interesting?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Generally, as soon as your <\/strong><strong>taxable income exceeds $150,000\/year and you have already maximized your TFSA and RRSP. Below that, the tax benefits do not offset the policy costs. For incorporated individuals, the threshold is lower ($80,000\/year in the corporation) due to corporate benefits and the CDC.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much do the fees for a universal policy cost?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Fees include: <\/strong><strong>administration fees ($2-10\/month), <\/strong><strong>fund management fees (MER of 0.5% to 2.5% annually), <\/strong><strong>early withdrawal fees in the first 10-15 years. Low-cost index products exist \u2014 our <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">AMF brokers compare the pricing structures of each insurer.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I put a UL in my CCPC (Canadian-controlled private corporation)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<strong>Yes, it is even one of the most powerful applications. The corporation pays the premiums with after-corporate tax dollars (26.5% in Quebec) rather than with after-personal tax dollars (50%+). Upon death, the capital generates a CDC allowing heirs to receive a tax-free dividend. Consultation with your accountant required.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if I do not meet the minimum contribution?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Your policy automatically draws from the cash value to cover the pure cost. As long as there is value remaining, the policy stays in force. <\/strong><strong>If the value falls to zero and you do not add anything, the policy is terminated. Hence the importance of long-term planning with your insurance broker.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I transfer my universal life to my children?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Yes, you can transfer ownership of your policy to an adult child without a taxable disposition (according to the CRA, if the transfer is at <\/strong><strong>adjusted cost base). Advanced intergenerational transfer strategy used to plan succession and minimize tax.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Universal life or TFSA: which one first?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>TFSA first, always. 2026 limit: $7,000\/year, $102,000 cumulative. No management fees imposed by an insurer, total liquidity, and the same tax treatment (tax-exempt growth). UL is complementary to TFSA, not substitutive \u2014 it is used when registered vehicles have been exhausted.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can a broker help me analyze if UL is right for me?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Yes, for free. Brokers from our partner firms conduct a <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">comprehensive needs analysis: tax profile, objectives, risk tolerance, current assets. They project scenarios over 20, 30, and 40 years and recommend (or advise against) UL based on your reality. We do not sell \u2014 we advise.\"\n      }\n    }\n  ]\n}\n<\/a><\/strong><\/a><\/strong><\/script> \n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner platform of <strong>AMF-certified<\/strong> firms<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner firms that <strong>are members of the Chamber of Insurance<\/strong> and Chamber of Insurance<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Independent brokers, conflict-free<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Response within <strong>24 business hours<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your personalized universal life plan<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Independent AMF insurance brokers, collaboration with your accountant possible \u2014 at no cost, no obligation.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get my quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Home\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Insurance Products\",\n      \"item\": \"https:\/\/www.assur360.ca\/produit-assurance\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Universal Life Insurance\",\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 Life Insurance \u2014 Main Page<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Compare all types of life insurance in Quebec in 3 minutes.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-temporaire-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\u23f1\ufe0f Term Life Insurance T10\/T20\/T30<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">The most affordable. Ideal for 10, 20, or 30 years.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-permanente\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\u267e\ufe0f Permanent Life Insurance<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Lifetime coverage + cash value.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-universelle\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83d\udcb0 Universal Life Insurance<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Protection + flexible tax placement.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-sans-examen-medical\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83e\ude7a No Medical Exam<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Quick approval, no medical visit.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83c\udfe5 Critical Illness Insurance<\/h3><p style=\"color:#334155;font-size:14px;margin:0;\">Capital paid upon diagnosis of one of the 24 covered illnesses.<\/p><\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurer-partners-compared-by-Assur360\"><\/span>Insurer partners compared by Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/lunique\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">L&#8217;Unique<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">100% Quebec<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/ssq-assurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">SSQ<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Collective specialist<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/desjardins-assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Desjardins<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">QC Cooperative<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/industrielle-alliance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">iA Financial Group<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Centenary<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/manuvie-assurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Manulife<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">International<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/sun-life-assurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Sun Life<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Financial strength<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/beneva-assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Beneva<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">From La Capitale+SSQ<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/economical\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Economical<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Definity Group<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/aviva\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:14px;margin:0 0 4px;\">Aviva<\/h3><p style=\"color:#64748b;font-size:12px;margin:0;\">Global British<\/p><\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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. 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