{"id":66984,"date":"2026-05-20T23:47:01","date_gmt":"2026-05-21T03:47:01","guid":{"rendered":"https:\/\/www.assur360.ca\/life-insurance-broker-in-quebec-comparison-of-9-insurers-assur360\/"},"modified":"2026-07-02T20:40:24","modified_gmt":"2026-07-03T00:40:24","slug":"life-insurance-broker-in-quebec-comparison-of-9-insurers-assur360","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/life-insurance-broker-in-quebec-comparison-of-9-insurers-assur360\/","title":{"rendered":"Life Insurance Broker in Quebec \u2014 Comparison of 9+ Insurers | Assur360"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\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=\"Life-Insurance-Broker-in-Quebec-%E2%80%94-Comparison-of-9-Insurers-Assur360\"><\/span>Life Insurance Broker in Quebec \u2014 Comparison of 9+ Insurers | Assur360<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">A <strong>life insurance broker<\/strong> is an <strong>AMF-certified<\/strong> professional who works for you (not for a single insurer), and who compares the offers of several insurers to find you optimal coverage at the right price. <strong>Assur360<\/strong>, an independent comparison platform, compares 9+ insurers in 3 minutes \u2014 free, no obligation, in French in Quebec.<\/p>\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;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">9+<\/div><div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">3 min<\/div><div style=\"color:#64748b;font-size:13px;\">Online Quote<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">100,000+<\/div><div style=\"color:#64748b;font-size:13px;\">Submissions since 2014<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">-40 %<\/div><div style=\"color:#64748b;font-size:13px;\">Potential savings<\/div><\/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 INSURANCE BROKER QUEBEC<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Free-Quote-in-3-Minutes\"><\/span>Free Quote in 3 Minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Comparison with 9+ Quebec insurers. No commitment.<\/p>\n  <a href=\"\/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;\">Start my quote<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Broker-vs-Agent-vs-Bank-%E2%80%94-Whats-the-Difference\"><\/span>Broker vs. Agent vs. Bank \u2014 What&#8217;s the Difference?<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;\">Broker of our partner<\/th>\n firms<th style=\"padding:14px 16px;text-align:center;\">Captive<\/th>\n Agent<th style=\"padding:14px 16px;text-align:center;\">Bank Advisor<\/th>                  \n    <\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Number of insurers offered<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">: 9+ insurers<\/td>, <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">1 only<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">1-2 (subsidiaries)<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Independence<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 Works for you<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;text-align:center;\">\u2717 Works for the insurer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;text-align:center;\">\u2717 Works for the bank<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Personal advice<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713\u2713\u2713<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2713\u2713\u2713<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2713 (often generic)<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Average Premium<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">Price-20 to -40%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Market Price<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;text-align:center;\">Often +30-50%<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Fees for you<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">$0 (paid by insurer)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$0 $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">0<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Claims Support<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 (Advocate Role)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Variable<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Limited<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-choose-a-life-insurance-broker\"><\/span>Why choose a life insurance broker?<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-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udcb0<\/div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Actual savings 20-40%<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Comparing 9+ insurers makes it possible to find surprising differences for <strong>identical coverage.<\/strong> A 40-year-old non-smoking man can pay $22\/month for one and $45\/month for the other \u2014 for the same policy, $250K T20. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><div style=\"font-size:28px;margin-bottom:12px;\">\ud83c\udfaf<\/div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Independent personal advice<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The broker listens to you, analyzes your profile (needs, mortgage, children, health) and <strong>recommends the right product<\/strong> \u2014 not the one that pays the most commission.<\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><div style=\"font-size:28px;margin-bottom:12px;\">\u26a1<\/div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Quick Quote<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">3 minutes online via Assur360. Personalized response within 24 hours with 2-3 quantified proposals. <strong>No credit card required<\/strong>. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udee1\ufe0f<\/div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Complaint support<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If a loss occurs, your broker <strong>represents you before the insurer<\/strong>. In Quebec, this is a major advantage of the brokerage formula. <\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-Assur360-an-independent-life-insurance-comparison-platform-in-Quebec-work\"><\/span>How does Assur360, an independent life insurance comparison platform in Quebec, work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<figure style=\"max-width:520px;margin:24px auto 40px;\">\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\/courtier-lunique-assurance-conseil-quebec.jpg\" alt=\"Life insurance broker in Quebec analyzing a policy\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n<\/figure>\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;\"><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><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the form in 3 min<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your information: age, smoker\/not, general health, desired amount, type of coverage. No payment. <\/p><\/div><\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\"><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><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Analysis by an AMF broker<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your file is studied by a certified broker. It interviews 9+ partner insurers (L&#8217;Unique, SSQ, Desjardins, iA, Manulife, Sun Life, Beneva, etc.). <\/p><\/div><\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\"><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><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Receive 2-3 proposals within 24 hours<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Clear comparison: premium, coverage, additional coverage. No pressure. You choose freely.  <\/p><\/div><\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\"><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><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Subscribe online<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature. Policy active within 24 hours of approval. Average savings: <strong>20-40%.<\/strong>  <\/p><\/div><\/div>\n<\/div>\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;\">Our 9+ partner insurers in life insurance<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:12px;\">\n    <a href=\"\/lunique\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 L&#8217;Unique<\/a>\n    <a href=\"\/ssq-assurance\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 SSQ<\/a>\n    <a href=\"\/desjardins-assurance-vie\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 Desjardins<\/a>\n    <a href=\"\/industrielle-alliance\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 Industrial Alliance<\/a>\n    <a href=\"\/manuvie-assurance\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 Manulife<\/a>\n    <a href=\"\/sun-life-assurance\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 Sun Life<\/a>\n    <a href=\"\/beneva-assurance-vie\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 Beneva<\/a>\n    <a href=\"\/economical\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 Economical<\/a>\n    <a href=\"\/promutuel-assurance\/\" style=\"color:#0d1f2d;font-size:14px;text-decoration:none;font-weight:600;\">\u2192 Promutuel<\/a>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Life-insurance-broker\"><\/span>Frequently asked questions \u2014 Life insurance broker<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;\">Does the broker cost the client anything?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. The <strong>broker is paid by the insurer<\/strong> in the form of a commission, not by you. Your premium is the same as if you were buying directly \u2014 and often less, because we compared for you. <\/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;\">How do I verify that a broker is legitimate in Quebec?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Check its <strong>AMF partner firm number<\/strong> on <a href=\"https:\/\/lautorite.qc.ca\" target=\"_blank\" rel=\"noopener\">lautorite.qc.ca<\/a>. All life insurance brokers in Quebec must be registered with the Autorit\u00e9 des march\u00e9s financiers (AMF) and a member of the Chamber of Insurance. Assur360 = partner platform of AMF-certified firms, brokers who are members of the Chamber of Insurance.  <\/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;\">Can I change brokers during the course of the contract?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, at any time. All you have to do is <strong>notify your insurer in writing<\/strong> of the change of broker. Your policy remains active, but now the new broker is with you.  <\/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;\">How long does it take to get a quote?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Via Assur360: <strong>3 minutes to fill in the form<\/strong>, then <strong>24 hours<\/strong> to receive 2-3 quantified proposals. If you accept an offer: <strong>an additional 24-48 hours<\/strong> to take out and activate the policy (depending on the medical examination requested). <\/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;\">Can my broker change my policy after I have taken out?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Your broker remains your single point of contact for <strong>adjusting the coverage<\/strong> (changing the amount, adding a guarantee, converting a temporary to a permanent, etc.). Everything goes through him \u2014 easier than talking directly to the insurer. <\/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;\">Which insurers does Assur360 represent?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">9+ <strong>insurers: L&#8217;Unique, SSQ, Desjardins, Industrial Alliance, Manulife, Sun Life, Beneva, Economical, Promutuel<\/strong>, and others depending on your profile. This diversity = a solid basis for comparison and negotiation. <\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What&#8217;s the difference between term and permanent life insurance?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Term life insurance<\/strong> covers you for a set period (10, 20, 30 years) at a lower premium, ideal for temporary needs (mortgage, dependents). <strong>Permanent life<\/strong> (whole life, universal life) lasts your entire life and builds cash value, but premiums are 5 to 10\u00d7 higher. The right choice depends on your goals and horizon.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much life insurance do I need?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A common rule: <strong>10 to 12\u00d7 your annual salary<\/strong> if you have dependents, plus enough to clear the mortgage and fund children&#8217;s education. Advisors often use the <strong>DIME formula<\/strong> (Debt + Income replacement + Mortgage + Education). Your Assur360 partner broker helps quantify it for your situation.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I compare life insurance rates online?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Assur360&#8217;s <strong>AMF-certified partner life brokers<\/strong> compare rates from <strong>9+ insurers<\/strong> (Manuvie, Sun Life, iA, Beneva, Desjardins, SSQ, Industrielle Alliance, RBC, Empire Life). A single form gives you multiple quotes to compare.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does life insurance require a medical exam?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It depends on age and coverage amount. <strong>Under $500K and under 45<\/strong>, most insurers offer <strong>simplified issue<\/strong> (no exam, just a questionnaire). <strong>Higher amounts or older applicants<\/strong> typically require a <strong>paramedical exam<\/strong> (blood, urine, blood pressure). Some insurers offer no-exam policies at slightly higher rates.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is my quote free?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Getting a life insurance quote via Assur360 is <strong>100% free with no obligation<\/strong>. Only when you accept a proposal does the underwriting process begin \u2014 and even then, you retain the right to cancel during the free-look period (typically 10-30 days).<\/div>\n<\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Does the broker cost the client anything?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No \u2014 the broker is paid by the insurer in the form of a commission. Your premium is the same as if you were buying directly, often less because we compared for you.\"}},{\"@type\":\"Question\",\"name\":\"How do I verify that a broker is legitimate in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Check its AMF partner firm number on lautorite.qc.ca. Assur360 = partner platform of AMF-certified firms, brokers who are members of the Chamber of Insurance.\"}}]}\n<\/script>\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;\">READY TO COMPARE?<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Find the best life insurance in Quebec<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">3 minutes online. 9+ insurers compared. No commitment.<\/p>\n  <a href=\"\/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;\">Start my quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-pages\"><\/span>Related pages<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=\"\/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 in Quebec<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Term, permanent, universal.<\/p><\/a>\n  <a href=\"\/assurance-vie-temporaire-vs-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;\">Term vs Permanent<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Detailed comparison based on your profile.<\/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  <a href=\"\/soumission-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;\">3 min life quote<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Direct AMF broker form.<\/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\":\"Life insurance broker\",\"item\":\"https:\/\/www.assur360.ca\/courtier-assurance-vie\/\"}]}\n<\/script>\n\n\n\n<div style=\"max-width:1100px;margin:48px auto;padding:32px;background:#ffffff;border-radius:16px;box-shadow:0 1px 3px rgba(13,31,45,.06);\">\n  <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:2px;margin:0 0 6px;\">Also see<\/p>\n  <h3 style=\"color:#0d1f2d;font-size:22px;font-weight:800;font-family:'Sora',sans-serif;margin:0 0 20px;\">Pages related to this one<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px;margin:0 0 20px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/who-are-we-comparator\/\" style=\"display:block;padding:14px 18px;background:#f8fafc;border-left:3px solid #10c4c7;border-radius:6px;text-decoration:none;color:#0d1f2d;transition:all .2s;font-size:14px;font-weight:600;line-height:1.4;\">Assur360: Your Independent Property and Casualty Insurance Broker in Quebec<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/comparator-2\/\" style=\"display:block;padding:14px 18px;background:#f8fafc;border-left:3px solid #10c4c7;border-radius:6px;text-decoration:none;color:#0d1f2d;transition:all .2s;font-size:14px;font-weight:600;line-height:1.4;\">Compare<\/a>\n\n  <\/div>\n  <div style=\"display:flex;gap:12px;flex-wrap:wrap;margin-top:8px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/\" style=\"display:inline-block;background:transparent;color:#0d1f2d;padding:10px 22px;border-radius:6px;text-decoration:none;font-weight:700;border:2px solid #0d1f2d;font-size:13px;\">Voir la cat\u00e9gorie \u2192<\/a>\n    <a href=\"https:\/\/www.assur360.ca\/en\/insurance-quick-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:10px 22px;border-radius:6px;text-decoration:none;font-weight:700;font-size:13px;\">Get a free quote<\/a>\n  <\/div>\n<\/div>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/www.assur360.ca\/en\/life-insurance-broker-in-quebec-comparison-of-9-insurers-assur360\/#faq\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Does the broker cost the client anything?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The broker is paid by the insurer in the form of a commission, not by you. Your premium is the same as if you were buying directly \u2014 and often less, because we compared for you.\"}},{\"@type\":\"Question\",\"name\":\"How do I verify that a broker is legitimate in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Check its AMF partner firm number on lautorite.qc.ca . All life insurance brokers in Quebec must be registered with the Autorit\u00e9 des march\u00e9s financiers (AMF) and a member of the Chamber of Insurance. Assur360 = partner platform of AMF-certified firms, brokers who are members of the Chamber of Insurance.\"}},{\"@type\":\"Question\",\"name\":\"Can I change brokers during the course of the contract?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, at any time. All you have to do is notify your insurer in writing of the change of broker. Your policy remains active, but now the new broker is with you.\"}},{\"@type\":\"Question\",\"name\":\"How long does it take to get a quote?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Via Assur360: 3 minutes to fill in the form , then 24 hours to receive 2-3 quantified proposals. If you accept an offer: an additional 24-48 hours to take out and activate the policy (depending on the medical examination requested).\"}},{\"@type\":\"Question\",\"name\":\"Can my broker change my policy after I have taken out?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Your broker remains your single point of contact for adjusting the coverage (changing the amount, adding a guarantee, converting a temporary to a permanent, etc.). Everything goes through him \u2014 easier than talking directly to the insurer.\"}},{\"@type\":\"Question\",\"name\":\"Which insurers does Assur360 represent?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"9+ insurers: L'Unique, SSQ, Desjardins, Industrial Alliance, Manulife, Sun Life, Beneva, Economical, Promutuel , and others depending on your profile. This diversity = a solid basis for comparison and negotiation.\"}},{\"@type\":\"Question\",\"name\":\"What's the difference between term and permanent life insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Term life insurance covers you for a set period (10, 20, 30 years) at a lower premium, ideal for temporary needs (mortgage, dependents). Permanent life (whole life, universal life) lasts your entire life and builds cash value, but premiums are 5 to 10\u00d7 higher. The right choice depends on your goals and horizon.\"}},{\"@type\":\"Question\",\"name\":\"How much life insurance do I need?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A common rule: 10 to 12\u00d7 your annual salary if you have dependents, plus enough to clear the mortgage and fund children's education. Advisors often use the DIME formula (Debt + Income replacement + Mortgage + Education). Your Assur360 partner broker helps quantify it for your situation.\"}},{\"@type\":\"Question\",\"name\":\"Can I compare life insurance rates online?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Assur360's AMF-certified partner life brokers compare rates from 9+ insurers (Manuvie, Sun Life, iA, Beneva, Desjardins, SSQ, Industrielle Alliance, RBC, Empire Life). A single form gives you multiple quotes to compare.\"}},{\"@type\":\"Question\",\"name\":\"Does life insurance require a medical exam?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on age and coverage amount. Under $500K and under 45 , most insurers offer simplified issue (no exam, just a questionnaire). Higher amounts or older applicants typically require a paramedical exam (blood, urine, blood pressure). Some insurers offer no-exam policies at slightly higher rates.\"}},{\"@type\":\"Question\",\"name\":\"Is my quote free?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Getting a life insurance quote via Assur360 is 100% free with no obligation . Only when you accept a proposal does the underwriting process begin \u2014 and even then, you retain the right to cancel during the free-look period (typically 10-30 days).\"}}]}<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Life Insurance Broker in Quebec \u2014 Comparison of 9+ Insurers | Assur360 A life insurance broker is an AMF-certified professional who works [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Compare Life Insurance Brokers Quebec \u2014 Partner Firms | Assur360","_seopress_titles_desc":"Compare life insurance brokers in Quebec via Assur360: connect with 9+ AMF-certified partner firms. 3 min submission, 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