{"id":66982,"date":"2026-05-20T23:46:59","date_gmt":"2026-05-21T03:46:59","guid":{"rendered":"https:\/\/www.assur360.ca\/term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360\/"},"modified":"2026-06-26T03:24:04","modified_gmt":"2026-06-26T07:24:04","slug":"term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360\/","title":{"rendered":"Term vs Permanent Life Insurance 2026 \u2014 Which One To Choose? | Assur360"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360\/#Term-vs-Permanent-Life-Insurance-2026-%E2%80%94-Which-One-To-Choose-Assur360\" >Term vs Permanent Life Insurance 2026 \u2014 Which One To Choose? | Assur360<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360\/#Detailed-Temporary-vs-Permanent-Comparison\" >Detailed Temporary vs Permanent Comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360\/#Term-Life-%E2%80%94-For-Whom\" >Term Life \u2014 For Whom?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360\/#Permanent-Life-%E2%80%94-For-Whom\" >Permanent Life \u2014 For Whom?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360\/#Hybrid-strategy-combining-temporary-permanent\" >Hybrid strategy: combining temporary + permanent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/term-vs-permanent-life-insurance-2026-which-one-to-choose-assur360\/#Frequently-asked-questions\" >Frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\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=\"Term-vs-Permanent-Life-Insurance-2026-%E2%80%94-Which-One-To-Choose-Assur360\"><\/span>Term vs Permanent Life Insurance 2026 \u2014 Which One To Choose? | Assur360<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Term vs Permanent Life Insurance \u2014 2026 Comparison\",\"author\":{\"@type\":\"Organization\",\"name\":\"Assur360\"},\"datePublished\":\"2026-05-20\",\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/10\/logo-assur360.png\"}}}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">When you shop for life insurance in Quebec, there are two main families available to you: <strong>term<\/strong> (T10, T20, T30) and <strong>permanent<\/strong> (whole life or universal). The right choice depends on your protection needs, your budget and your wealth strategy. Here is the complete comparison in 2026 with numerical examples.  <\/p>\n\n<figure class=\"wp-block-image alignright size-medium is-resized is-style-rounded\" style=\"max-width:380px;margin:8px 0 16px 24px;\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/famille-quebec-assurance-vie-planification.jpg\" alt=\"Quebec family comparing term and permanent life insurance\" class=\"wp-image-66881\" style=\"border-radius:12px;box-shadow:0 6px 20px rgba(13,31,45,0.12);width:380px;height:auto;max-width:100%;\"  sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\" style=\"text-align:center;color:#64748b;font-size:13px;font-style:italic;margin-top:8px;line-height:1.4;\">The right choice depends on the age of the children, your mortgage and your protection horizon.<\/figcaption><\/figure>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#0d1f2d;color:#ffffff;padding:24px;text-align:center;border-right:1px solid #1a3a4a;\"><h3 style=\"color:#10c4c7;font-size:24px;margin:0 0 8px;\">Temporary<\/h3><p style=\"color:#94a3b8;font-size:13px;margin:0;\">T10 \/ T20 \/ T30 \u2014 affordable<\/p><\/div>\n  <div style=\"background:#0d1f2d;color:#ffffff;padding:24px;text-align:center;\"><h3 style=\"color:#10c4c7;font-size:24px;margin:0 0 8px;\">Permanent<\/h3><p style=\"color:#94a3b8;font-size:13px;margin:0;\">Whole Life \/ Universal \u2014 Heritage<\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Detailed-Temporary-vs-Permanent-Comparison\"><\/span>Detailed Temporary vs Permanent Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 16px;text-align:left;\">Criterion<\/th>\n<th style=\"padding:14px 16px;text-align:center;\">Term<\/th>\n Life<th style=\"padding:14px 16px;text-align:center;\">Permanent life<\/th>            \n    <\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Duration<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">10, 20 or 30 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Lifetime (until death)<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Monthly Premium (40 years old, non-smoker, $250K)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">Starting at $22<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$145<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Cash value<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#ef4444;\">None<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">Increasing over time<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Renewal<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Every 10\/20\/30 (premium increases)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">None \u2014 fixed lifetime premium<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Death Payment<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">If Death During the Guaranteed Period<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">Early or Late<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Investment Stream<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#ef4444;\">\u2717<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 (Universal)<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Significant Limited<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">Tax Benefits (Estate, Tax Shelter)<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\"><\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Convertible to permanent<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;\">\u2713 (without reinsurer)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">N\/A<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Total cost over 30 years (40-70 years)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">~$12,000 (T30)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">~$52,000<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Term-Life-%E2%80%94-For-Whom\"><\/span>Term Life \u2014 For Whom?<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:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\u2705 Ideal if&#8230;<\/h3><ul style=\"color:#334155;font-size:14px;line-height:1.7;margin:0;padding-left:20px;\"><li>You have dependent children or a mortgage<\/li><li>Your budget is tight (priority protection vs. accumulation)<\/li><li>You anticipate needing coverage for 10, 20 or 30 years<\/li><li>You want to maximize the death benefit at the lowest cost<\/li><\/ul><\/div>\n  <div style=\"background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\u26a0\ufe0f Avoid if&#8230;<\/h3><ul style=\"color:#334155;font-size:14px;line-height:1.7;margin:0;padding-left:20px;\"><li>You are looking for a tool for transferring wealth after death<\/li><li>You want to accumulate cash value<\/li><li>You plan to live beyond the term of the contract (coverage ends)<\/li><li>You want to pay a fixed premium for life<\/li><\/ul><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Permanent-Life-%E2%80%94-For-Whom\"><\/span>Permanent Life \u2014 For Whom?<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:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\u2705 Ideal if&#8230;<\/h3><ul style=\"color:#334155;font-size:14px;line-height:1.7;margin:0;padding-left:20px;\"><li>You want to leave a guaranteed estate to your heirs<\/li><li>You are looking for a complementary (universal) tax shelter<\/li><li>You want to lock in a fixed premium before your health\/age changes<\/li><li>You have an active estate strategy<\/li><li>You are in a high tax bracket and are looking to diversify outside of a taxed RRSP\/TFSA<\/li><\/ul><\/div>\n  <div style=\"background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\u26a0\ufe0f Avoid if&#8230;<\/h3><ul style=\"color:#334155;font-size:14px;line-height:1.7;margin:0;padding-left:20px;\"><li>Your budget is tight (5-10 premium\u00d7 higher than the term)<\/li><li>You haven&#8217;t maxed your registered plans (RRSP\/TFSA\/FHSA)<\/li><li>Your protection needs are temporary (mortgage, young children)<\/li><li>You don&#8217;t like the complexity of insurance-related financial products<\/li><\/ul><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hybrid-strategy-combining-temporary-permanent\"><\/span>Hybrid strategy: combining temporary + permanent<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">For many Quebec families, the <strong>optimal solution<\/strong> is to combine the two types \u2014 a <strong>large term coverage<\/strong> for a high need, and a <strong>small permanent policy<\/strong> for the long term.<\/p>\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;\">Example hybrid strategy<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\"><strong style=\"color:#ffffff;\">35-year-old family, children 5 and 7 years old, mortgage $350,000<\/strong> :<br \/>\u2192 <strong style=\"color:#ffffff;\">$500,000 T20 life<\/strong> covers the next 20 years (independent children + mortgage paid): premium ~$35\/month<br \/><strong style=\"color:#ffffff;\">\u2192 $100,000 permanent life<\/strong> for final wealth transfer: ~$60\/month premium<br \/><strong style=\"color:#ffffff;\">Total: $95\/month<\/strong> for $600K of upfront coverage and $100K guaranteed for life.<\/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;\">LIFE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Find the optimal formula in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">The brokers from our partner firms compare T10\/T20\/T30 and permanent with 9+ insurers.<\/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;\">Call<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><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:32px 0;\">\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can you convert a temporary life into a permanent one?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. The majority of term policies offer a <strong>right to convert<\/strong> without a new medical exam, usually before age 65 or 70. The premium becomes that of a permanent \u2014 higher but for life. Great option if your health has deteriorated.  <\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the cash value of permanent life taxable?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">As long as you don&#8217;t withdraw the cash value, the <strong>growth is tax-free<\/strong> (tax shelter). If you withdraw, only the &#8220;return&#8221; part is taxed. Upon death, the death benefit is <strong>paid tax-free<\/strong> to the beneficiary.  <\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Universal Life vs. Whole Life \u2014 What&#8217;s the Difference?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Both are permanent<\/strong>. <strong>Whole life<\/strong>: fixed guaranteed premium and death benefit, simplicity. <strong>Universal life<\/strong>: flexible premium, cash value invested according to your choice (fund, fixed rate), more complex but more tax advantages for high incomes.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">T10 or T20 \u2014 which one should you choose?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The <strong>T20 is more advantageous<\/strong> for the majority (young parents, 25-year mortgages). The T10 is only suitable if you expect to no longer need coverage after 10 years (often rare). The initial cost of T20 is slightly higher but secures in the long run.  <\/div><\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can you convert a term life insurance policy to a permanent one?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \u2014 most term policies offer a conversion option without a new medical exam before age 65 or 70.\"}},{\"@type\":\"Question\",\"name\":\"Universal life vs whole life?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Both are permanent. Whole life = guaranteed fixed premium. Universal life = flexible premium + invested cash value.\"}}]}\n<\/script>\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-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:16px;margin:0 0 8px;\">Term Life Insurance T10\/T20\/T30<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">More affordable. Starting at $15\/month in Quebec.<\/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:16px;margin:0 0 8px;\">Permanent Life Insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">For life + increasing 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:16px;margin:0 0 8px;\">Universal Life Insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Protection + flexible tax-advantaged investment.<\/p><\/a>\n  <a href=\"\/calculateur-assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Life Insurance Needs Calculator<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">DIME method + replacement capital.<\/p><\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Life Insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-vie\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Term vs Permanent\",\"item\":\"https:\/\/www.assur360.ca\/assurance-vie-temporaire-vs-permanente\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Term vs Permanent Life Insurance 2026 \u2014 Which One To Choose? | Assur360 When you shop for life insurance in Quebec, there [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":71298,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Term vs Permanent Life Insurance 2026 \u2014 Comparison | Assur360","_seopress_titles_desc":"Comparison of term vs permanent life insurance in Quebec 2026: price, duration, cash value, taxation. 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