{"id":60134,"date":"2026-04-27T13:09:46","date_gmt":"2026-04-27T17:09:46","guid":{"rendered":"https:\/\/www.assur360.ca\/online-disability-disability-insurance-quote-protect-your-income\/"},"modified":"2026-04-27T13:28:57","modified_gmt":"2026-04-27T17:28:57","slug":"online-disability-disability-insurance-quote-protect-your-income","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/online-disability-disability-insurance-quote-protect-your-income\/","title":{"rendered":"Online disability disability insurance quote | Protect your income"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:32px 0;text-align:center;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px 16px;\">\n    <div style=\"font-size:32px;font-weight:800;color:#10c4c7;\">70 %<\/div>\n    <div style=\"font-size:13px;color:#64748b;margin-top:4px;\">of your covered salary<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px 16px;\">\n    <div style=\"font-size:32px;font-weight:800;color:#10c4c7;\">1\/3<\/div>\n    <div style=\"font-size:13px;color:#64748b;margin-top:4px;\">of Canadians will experience a disability before age 65<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px 16px;\">\n    <div style=\"font-size:32px;font-weight:800;color:#10c4c7;\">2.6 years<\/div>\n    <div style=\"font-size:13px;color:#64748b;margin-top:4px;\">Average duration of long-term disability<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px 16px;\">\n    <div style=\"font-size:32px;font-weight:800;color:#10c4c7;\">100 %<\/div>\n    <div style=\"font-size:13px;color:#64748b;margin-top:4px;\">Tax-free if you pay your premiums<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"formulaire\" style=\"color:#0d1f2d;\"><span class=\"ez-toc-section\" id=\"Request-your-free-quote\"><\/span>Request your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#64748b;line-height:1.6;font-size:14px;\">Answer a few essential questions: income, professional status, state of health. A Financial Security Advisor will contact you within 24 business hours with a personalized comparison of the best coverage on the market. <\/p>\n\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:32px;margin:24px 0;\">\n<div class='fluentform ff-default fluentform_wrapper_62 ffs_custom_wrap'><form data-form_id=\"62\" id=\"fluentform_62\" class=\"frm-fluent-form fluent_form_62 ff-el-form-top ff_form_instance_62_1 ff-form-loading ff-form-has-steps ffs_custom\" data-form_instance=\"ff_form_instance_62_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Soumission assurance salaire invalidite<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='60134' \/><input type=\"hidden\" id=\"_fluentform_62_fluentformnonce\" name=\"_fluentform_62_fluentformnonce\" value=\"925ebf5668\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/pages\/60134\" \/><div class='ff-step-container' data-name=\"step_start-62_4\" data-disable_auto_focus=\"no\" data-enable_auto_slider=\"no\" data-enable_step_data_persistency=\"no\" data-enable_step_page_resume=\"no\" data-animation_type=\"slide\" ><div class='ff-step-header'><ul class='ff-step-titles'><li class='ff_active'><span><\/span><\/li><li><span><\/span><\/li><li><span><\/span><\/li><li><span><\/span><\/li><\/ul><\/div><span class='ff_step_start'><\/span><div class='ff-step-body'><div class=\"fluentform-step active\" data-name=\"step_start-62_4\" data-disable_auto_focus=\"no\" data-enable_auto_slider=\"no\" data-enable_step_data_persistency=\"no\" data-enable_step_page_resume=\"no\" data-animation_type=\"slide\" ><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_revenu_annuel' id='label_ff_62_revenu_annuel' aria-label=\"Quel est votre revenu annuel brut ?\">Quel est votre revenu annuel brut ?<\/label><div class=\"ff-el-tooltip\" data-content=\"Necessaire pour determiner le montant de couverture\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 25 25\"><path d=\"m329 393l0-46c0-2-1-4-2-6-2-2-4-3-7-3l-27 0 0-146c0-3-1-5-3-7-2-1-4-2-7-2l-91 0c-3 0-5 1-7 2-1 2-2 4-2 7l0 46c0 2 1 5 2 6 2 2 4 3 7 3l27 0 0 91-27 0c-3 0-5 1-7 3-1 2-2 4-2 6l0 46c0 3 1 5 2 7 2 1 4 2 7 2l128 0c3 0 5-1 7-2 1-2 2-4 2-7z m-36-256l0-46c0-2-1-4-3-6-2-2-4-3-7-3l-54 0c-3 0-5 1-7 3-2 2-3 4-3 6l0 46c0 3 1 5 3 7 2 1 4 2 7 2l54 0c3 0 5-1 7-2 2-2 3-4 3-7z m182 119c0 40-9 77-29 110-20 34-46 60-80 80-33 20-70 29-110 29-40 0-77-9-110-29-34-20-60-46-80-80-20-33-29-70-29-110 0-40 9-77 29-110 20-34 46-60 80-80 33-20 70-29 110-29 40 0 77 9 110 29 34 20 60 46 80 80 20 33 29 70 29 110z\" transform=\"scale(0.046875 0.046875)\"><\/path><\/svg><\/div><\/div><div class='ff-el-input--content'><select name=\"revenu_annuel\" id=\"ff_62_revenu_annuel\" class=\"ff-el-form-control\" data-name=\"revenu_annuel\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_62_revenu_annuel\"><option value=\"\">- Selectionner -<\/option><option value=\"Moins de 30 000 $\"  >Moins de 30 000 $<\/option><option value=\"30 000 $ - 50 000 $\"  >30 000 $ - 50 000 $<\/option><option value=\"50 000 $ - 75 000 $\"  >50 000 $ - 75 000 $<\/option><option value=\"75 000 $ - 100 000 $\"  >75 000 $ - 100 000 $<\/option><option value=\"100 000 $ - 150 000 $\"  >100 000 $ - 150 000 $<\/option><option value=\"Plus de 150 000 $\"  >Plus de 150 000 $<\/option><\/select><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_statut_professionnel' id='label_ff_62_statut_professionnel' aria-label=\"Quel est votre statut professionnel ?\">Quel est votre statut professionnel ?<\/label><div class=\"ff-el-tooltip\" data-content=\"Le type de couverture differe selon votre situation\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 25 25\"><path d=\"m329 393l0-46c0-2-1-4-2-6-2-2-4-3-7-3l-27 0 0-146c0-3-1-5-3-7-2-1-4-2-7-2l-91 0c-3 0-5 1-7 2-1 2-2 4-2 7l0 46c0 2 1 5 2 6 2 2 4 3 7 3l27 0 0 91-27 0c-3 0-5 1-7 3-1 2-2 4-2 6l0 46c0 3 1 5 2 7 2 1 4 2 7 2l128 0c3 0 5-1 7-2 1-2 2-4 2-7z m-36-256l0-46c0-2-1-4-3-6-2-2-4-3-7-3l-54 0c-3 0-5 1-7 3-2 2-3 4-3 6l0 46c0 3 1 5 3 7 2 1 4 2 7 2l54 0c3 0 5-1 7-2 2-2 3-4 3-7z m182 119c0 40-9 77-29 110-20 34-46 60-80 80-33 20-70 29-110 29-40 0-77-9-110-29-34-20-60-46-80-80-20-33-29-70-29-110 0-40 9-77 29-110 20-34 46-60 80-80 33-20 70-29 110-29 40 0 77 9 110 29 34 20 60 46 80 80 20 33 29 70 29 110z\" transform=\"scale(0.046875 0.046875)\"><\/path><\/svg><\/div><\/div><div class='ff-el-input--content'><select name=\"statut_professionnel\" id=\"ff_62_statut_professionnel\" class=\"ff-el-form-control\" data-name=\"statut_professionnel\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_62_statut_professionnel\"><option value=\"\">- Selectionner -<\/option><option value=\"Salarie\"  >Salarie<\/option><option value=\"Travailleur autonome\"  >Travailleur autonome<\/option><option value=\"Proprietaire d&#039;entreprise\"  >Proprietaire d'entreprise<\/option><option value=\"Professionnel incorpore\"  >Professionnel incorpore<\/option><\/select><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_profession' id='label_ff_62_profession' aria-label=\"Votre profession ou metier\">Votre profession ou metier<\/label><div class=\"ff-el-tooltip\" data-content=\"Le risque varie selon le type de travail\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 25 25\"><path d=\"m329 393l0-46c0-2-1-4-2-6-2-2-4-3-7-3l-27 0 0-146c0-3-1-5-3-7-2-1-4-2-7-2l-91 0c-3 0-5 1-7 2-1 2-2 4-2 7l0 46c0 2 1 5 2 6 2 2 4 3 7 3l27 0 0 91-27 0c-3 0-5 1-7 3-1 2-2 4-2 6l0 46c0 3 1 5 2 7 2 1 4 2 7 2l128 0c3 0 5-1 7-2 1-2 2-4 2-7z m-36-256l0-46c0-2-1-4-3-6-2-2-4-3-7-3l-54 0c-3 0-5 1-7 3-2 2-3 4-3 6l0 46c0 3 1 5 3 7 2 1 4 2 7 2l54 0c3 0 5-1 7-2 2-2 3-4 3-7z m182 119c0 40-9 77-29 110-20 34-46 60-80 80-33 20-70 29-110 29-40 0-77-9-110-29-34-20-60-46-80-80-20-33-29-70-29-110 0-40 9-77 29-110 20-34 46-60 80-80 33-20 70-29 110-29 40 0 77 9 110 29 34 20 60 46 80 80 20 33 29 70 29 110z\" transform=\"scale(0.046875 0.046875)\"><\/path><\/svg><\/div><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"profession\" id=\"ff_62_profession\" class=\"ff-el-form-control\" placeholder=\"Ex: infirmiere, electricien, comptable...\" data-name=\"profession\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Pr\u00e9c\u00e9dent'>Pr\u00e9c\u00e9dent<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Suivant'>Suivant<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-62_1\" ><div data-type=\"name-element\" data-name=\"names\" class=\" ff-field_container ff-name-field-wrapper\" ><div class='ff-t-container'><div class='ff-t-cell '><div class='ff-el-group  ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_names_first_name_' id='label_ff_62_names_first_name_' >Pr\u00e9nom<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[first_name]\" id=\"ff_62_names_first_name_\" class=\"ff-el-form-control\" placeholder=\"Pr\u00e9nom\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell '><div class='ff-el-group  ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_names_last_name_' id='label_ff_62_names_last_name_' >Nom de famille<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[last_name]\" id=\"ff_62_names_last_name_\" class=\"ff-el-form-control\" placeholder=\"Nom de famille\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><\/div><div class=\"ff-name-address-wrapper fluent-address\" data-type=\"address-element\" data-name=\"address_1\" ><div class='ff-el-input--label'><label aria-label=\"Adresse\">Adresse<\/label><\/div><div class='ff-el-input--content'><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_62_address_1_address_line_1_' id='label_ff_62_address_1_address_line_1_' aria-label=\"Adresse ligne 1\">Adresse ligne 1<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"address_1[address_line_1]\" id=\"ff_62_address_1_address_line_1_\" class=\"ff-el-form-control\" placeholder=\"Adresse ligne 1\" data-key_name=\"address_line_1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_62_address_1_city_' id='label_ff_62_address_1_city_' aria-label=\"Ville\">Ville<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"address_1[city]\" id=\"ff_62_address_1_city_\" class=\"ff-el-form-control\" placeholder=\"Ville\" data-key_name=\"city\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_62_address_1_state_' id='label_ff_62_address_1_state_' aria-label=\"Province\">Province<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"address_1[state]\" id=\"ff_62_address_1_state_\" class=\"ff-el-form-control\" placeholder=\"Qu\u00e9bec seulement\" data-key_name=\"state\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_62_address_1_zip_' id='label_ff_62_address_1_zip_' aria-label=\"Code postal\">Code postal<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"address_1[zip]\" id=\"ff_62_address_1_zip_\" class=\"ff-el-form-control\" placeholder=\"Code Postal\" data-key_name=\"zip\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_1\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_phone' id='label_ff_62_phone' aria-label=\"T\u00e9l\u00e9phone\/mobile\">T\u00e9l\u00e9phone\/mobile<\/label><\/div><div class='ff-el-input--content'><input name=\"phone\" class=\"ff-el-form-control ff-el-phone ff_el_with_extended_validation\" type=\"tel\" placeholder=\"###-###-####\" data-name=\"phone\" id=\"ff_62_phone\" inputmode=\"tel\"  aria-invalid='false' aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_email' id='label_ff_62_email' aria-label=\"Courriel\">Courriel<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_62_email\" class=\"ff-el-form-control\" placeholder=\"Email\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Pr\u00e9c\u00e9dent'>Pr\u00e9c\u00e9dent<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Suivant'>Suivant<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-62_2\" ><div data-name=\"ff_cn_id_2\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_62_datetime_1' id='label_ff_62_datetime_1' aria-label=\"Votre date de naissance\">Votre date de naissance<\/label><\/div><div class='ff-el-input--content'><input  aria-label='Votre date de naissance Use arrow keys to navigate dates. Press enter to select a date.'  aria-haspopup='dialog' data-type-datepicker data-format='d\/m\/Y' type=\"text\" name=\"datetime_1\" id=\"ff_62_datetime_1\" class=\"ff-el-form-control ff-el-datepicker\" data-name=\"datetime_1\"  aria-invalid='false' aria-required=false><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_fumeur' id='label_ff_62_fumeur' aria-label=\"Etes-vous fumeur ?\">Etes-vous fumeur ?<\/label><\/div><div class='ff-el-input--content'><select name=\"fumeur\" id=\"ff_62_fumeur\" class=\"ff-el-form-control\" data-name=\"fumeur\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_62_fumeur\"><option value=\"\">- Selectionner -<\/option><option value=\"Non\"  >Non<\/option><option value=\"Oui\"  >Oui<\/option><option value=\"Ex-fumeur (&gt;12 mois)\"  >Ex-fumeur (>12 mois)<\/option><\/select><\/div><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_62_couverture_actuelle' id='label_ff_62_couverture_actuelle' aria-label=\"Avez-vous deja une couverture invalidite ?\">Avez-vous deja une couverture invalidite ?<\/label><\/div><div class='ff-el-input--content'><select name=\"couverture_actuelle\" id=\"ff_62_couverture_actuelle\" class=\"ff-el-form-control\" data-name=\"couverture_actuelle\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_62_couverture_actuelle\"><option value=\"\">- Selectionner -<\/option><option value=\"Aucune\"  >Aucune<\/option><option value=\"Par mon employeur\"  >Par mon employeur<\/option><option value=\"Personnelle\"  >Personnelle<\/option><option value=\"Les deux\"  >Les deux<\/option><option value=\"Je ne sais pas\"  >Je ne sais pas<\/option><\/select><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Pr\u00e9c\u00e9dent'>Pr\u00e9c\u00e9dent<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Suivant'>Suivant<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-62_3\" ><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label   aria-label=\"Les informations recueillies \u00e0 cette section nous permettent entre autres d\u2019effectuer une pr\u00e9qualification concernant vos besoins en assurance et potentiellement vous proposer une soumission d\u2019assurance. Les informations fournies sont conserv\u00e9es de fa\u00e7on \u00e0 r\u00e9pondre aux exigences l\u00e9gislatives et r\u00e8glementaires. Par ailleurs, en remplissant le formulaire, vous consentez \u00e0 ce que nous utilisions, communiquions ou partagions \u00e0 l\u2019interne et \u00e0 l\u2019externe (notamment \u00e0 des cabinets partenaires et\/ou assureurs) et que nous conservions ces informations.\">Les informations recueillies \u00e0 cette section nous permettent entre autres d\u2019effectuer une pr\u00e9qualification concernant vos besoins en assurance et potentiellement vous proposer une soumission d\u2019assurance. Les informations fournies sont conserv\u00e9es de fa\u00e7on \u00e0 r\u00e9pondre aux exigences l\u00e9gislatives et r\u00e8glementaires. Par ailleurs, en remplissant le formulaire, vous consentez \u00e0 ce que nous utilisions, communiquions ou partagions \u00e0 l\u2019interne et \u00e0 l\u2019externe (notamment \u00e0 des cabinets partenaires et\/ou assureurs) et que nous conservions ces informations.<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='checkbox_1_bd8cd1ff16833f910396c36d1feb9db2'><input  type=\"checkbox\" name=\"checkbox_1[]\" data-name=\"checkbox_1\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\"J&#039;accepte\"  id='checkbox_1_bd8cd1ff16833f910396c36d1feb9db2' aria-label='J&#039;accepte' aria-invalid='false' aria-required=true> <span>J'accepte<\/span><\/label><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label   aria-label=\"Je d\u00e9sire m&#039;abonner \u00e0 l&#039;infolettre d&#039;Assur360 pour ses concours, promotions et informations\">Je d\u00e9sire m'abonner \u00e0 l'infolettre d'Assur360 pour ses concours, promotions et informations<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_1_64a9c22cb74ce35a58426cf162ac5230'><input  type=\"radio\" name=\"input_radio_1\" data-name=\"input_radio_1\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Oui\"  id='input_radio_1_64a9c22cb74ce35a58426cf162ac5230' aria-label='Oui' aria-invalid='false' aria-required=false> <span>Oui<\/span><\/label><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_62_description' id='label_ff_62_description' aria-label=\"Informations additionnelles\">Informations additionnelles<\/label><\/div><div class='ff-el-input--content'><textarea aria-required=\"false\" aria-labelledby=\"label_ff_62_description\" name=\"description\" id=\"ff_62_description\" class=\"ff-el-form-control\" rows=\"3\" cols=\"2\" data-name=\"description\" ><\/textarea><\/div><\/div>        <div class=\"ff-step-t-container ff-inner_submit_container ff-column-container ff_columns_total_2\">\n            <div class=\"ff-t-cell ff-t-column-1\"><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><\/div><\/div>\n            <div class=\"ff-t-cell ff-t-column-2\">\n                <div class='ff-el-group ff-text-left ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-md ff_btn_style\"  aria-label=\"Obtenir ma soumission gratuite\">Obtenir ma soumission gratuite<\/button><\/div>            <\/div>\n        <\/div>\n        <\/div><\/div><\/div>\n        <\/fieldset><\/form><div id='fluentform_62_errors' class='ff-errors-in-stack ff_form_instance_62_1 ff-form-loading_errors ff_form_instance_62_1_errors'><\/div><\/div>            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obligatoire\"}},\"description\":{\"required\":{\"value\":false,\"message\":\"Ce champ est obligatoire\",\"global\":false,\"global_message\":\"Ce champ est obligatoire\"}}},\"debounce_time\":300};\n                            <\/script>\n            \n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;\"><span class=\"ez-toc-section\" id=\"Why-Disability-Insurance-Is-Essential\"><\/span>Why Disability Insurance Is Essential<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Your income is your #1 asset<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Over 30 years, a $60,000 employee will earn <strong>$1.8 million<\/strong>. You insure your house, your car \u2014 why not the income that pays for it all? <\/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;\">\ud83e\ude7a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Health insurance does NOT replace your pay<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The RAMQ covers care, not loss of wages. The QPIP stops at 26 weeks. <strong>Salary insurance takes over<\/strong> until age 65 if necessary. <\/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\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Self-Employed Workers: Even More Essential<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Without an employer, without a CNESST, you are your only safety net. <strong>Personal protection<\/strong> is often the only option in the event of a work stoppage.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;\"><span class=\"ez-toc-section\" id=\"How-it-works\"><\/span>How it works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:24px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#ffffff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">1<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">You fill out the form (3 min)<\/h3>\n      <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Income, employment status, occupation, and some health information \u2014 that&#8217;s all you need to pre-qualify your application.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#ffffff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">2<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">A Financial Security Advisor will contact you (24 business hours)<\/h3>\n      <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">It analyzes your profile, compares the offers of several insurers and presents you with the best coverage according to your budget.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#ffffff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">3<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">You choose and sign online<\/h3>\n      <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">No commitment before signing. Coverage that begins as soon as the insurer approves it. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;\">How much does salary insurance cost?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The premium is generally <strong>1 to 3% of your annual income<\/strong>, depending on your age, profession and the waiting period you choose. For a 35-year-old employee at $60,000, count on about <strong>$40 to $90\/month<\/strong>. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;\">If I already have coverage from my employer, is it enough?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Not always. Group plans often cover <strong>50 to 60%<\/strong> of salary (vs. 70% for staff), are <strong>taxable<\/strong>, and <strong>disappear<\/strong> if you change jobs or are fired. Complementary personal coverage follows you everywhere.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;\">I am self-employed \u2014 can I benefit from it?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Absolutely, and it&#8217;s <strong>highly recommended<\/strong>. Without a CNESST or group insurance, you&#8217;re your only financial safety net. Insurers offer products specific to self-employed workers based on your declared business income.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;\">How long does it take for the benefits to start?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The <strong>waiting period<\/strong> ranges from 30 to 180 days after the onset of disability. The longer the waiting period, the less expensive the premium. The choice depends on your emergency fund and other coverages.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;\">Are the benefits taxable?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If you pay your premiums <strong>out of pocket<\/strong> (personal insurance), the benefits are <strong>100% tax-free<\/strong>. If the employer pays all or part of it, the corresponding portion becomes taxable. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;\">How long are benefits paid?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Depending on the contract: <strong>2 years, 5 years, or up to the age of 65<\/strong>. &#8220;Long-term&#8221; coverage up to the age of 65 is the most comprehensive and recommended for the majority of professionals. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;\">What is not covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Exclusions vary but generally affect: undeclared pre-existing conditions, self-inflicted injuries, acts of war, certain extreme sports. A Financial Security Advisor explains each clause to you before signing. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;\">Why go through a Financial Security Advisor rather than directly through an insurer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A Financial Security Advisor compares <strong>several insurers<\/strong> in a single application, which saves time and money. He represents you, not the insurer \u2014 including in the event of a claim. <\/div>\n  <\/details>\n<\/div>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:16px;padding:32px;margin:32px 0;\">\n  <h2 style=\"color:#0d1f2d;font-size:24px;margin:0 0 20px;\"><span class=\"ez-toc-section\" id=\"Why-choose-Assur360\"><\/span>Why choose Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:16px;\">\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><span style=\"color:#334155;\"><strong>AMF-certified<\/strong> financial security advisor and member of the <strong>CSF<\/strong><\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span> <span style=\"color:#334155;\">Comparison of <strong>multiple insurers<\/strong> in a single application<\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><span style=\"color:#334155;\">More than <strong>100,000 Quebecers<\/strong> served since 2014<\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><span style=\"color:#334155;\"><strong>100% free<\/strong> and non-binding service<\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><span style=\"color:#334155;\">Personal support and <strong>impartial advice<\/strong><\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span> <span style=\"color:#334155;\"><strong>Confidential<\/strong> and Bill 25 compliant data<\/span><\/div>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance salaire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La prime repr\u00e9sente g\u00e9n\u00e9ralement 1 \u00e0 3 % de votre revenu annuel selon votre \u00e2ge, profession et d\u00e9lai de carence. 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Protect up to 70% of your income in the event of a work stoppage.  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