{"id":81782,"date":"2026-07-02T21:55:08","date_gmt":"2026-07-03T01:55:08","guid":{"rendered":"https:\/\/www.assur360.ca\/funeral-expenses-insurance-in-quebec-2026-capital-5-25k-assur360\/"},"modified":"2026-07-02T21:55:35","modified_gmt":"2026-07-03T01:55:35","slug":"funeral-expenses-insurance-in-quebec-2026-capital-5-25k-assur360","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/funeral-expenses-insurance-in-quebec-2026-capital-5-25k-assur360\/","title":{"rendered":"Funeral expenses insurance in Quebec 2026: capital $5-25K | Assur360"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<p><!-- HERO --><\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:20px;padding:56px 40px;margin:24px 0 32px;box-shadow:0 20px 50px rgba(13,31,45,0.22);text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:3px;margin:0 0 14px;\">Funeral expenses \u00b7 Quebec 2026<\/p>\n  <h1 style=\"color:#ffffff;font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,40px);font-weight:800;margin:0 0 18px;line-height:1.2;max-width:820px;margin-left:auto;margin-right:auto;\"><span class=\"ez-toc-section\" id=\"Funeral-Expenses-Insurance-in-Quebec-2026\"><\/span>Funeral Expenses Insurance in Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p style=\"color:#cbd5e1;font-size:17px;line-height:1.65;margin:0 auto 28px;max-width:720px;\">A lump sum capital of <strong style=\"color:#ffffff;\">$5,000 to $25,000<\/strong> paid to the beneficiary of your choice upon your death. Simple to take out, useful for relieving your loved ones \u2014 but with some limitations to understand. Compare offers via Assur360&#8217;s <strong style=\"color:#ffffff;\">AMF-certified partner firms and brokers<\/strong> .  <\/p>\n  <div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"\/soumission-rapide-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 30px;border-radius:10px;font-weight:800;text-decoration:none;font-size:15px;display:inline-block;\">Compare offers \u2192<\/a>\n    <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 30px;border-radius:10px;font-weight:700;text-decoration:none;font-size:15px;border:2px solid rgba(255,255,255,0.4);display:inline-block;\">\ud83d\udcde 1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n<p><!-- FLEX INTRO --><\/p>\n\n<div style=\"display:flex;align-items:center;gap:44px;margin:32px 0 44px;flex-wrap:wrap;\">\n  <div style=\"flex:1 1 42%;min-width:280px;\">\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\/07\/001-assurance-frais-funeraires-quebec-2026-assur360.jpg\" alt=\"Quebec couple planning their funeral expense insurance with the help of a loved one \u2014 Assur360 comparator\" style=\"width:100%;height:auto;border-radius:14px;box-shadow:0 12px 32px rgba(13,31,45,0.14);display:block;\" loading=\"eager\"\/>\n  <\/div>\n  <div style=\"flex:1 1 52%;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin:0 0 10px;\">At a glance<\/p>\n    <h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;line-height:1.25;margin:0 0 14px;\"><span class=\"ez-toc-section\" id=\"A-financial-boost-for-your-loved-ones\"><\/span>A financial boost for your loved ones<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#334155;font-size:15.5px;line-height:1.75;margin:0 0 12px;\"><strong>Funeral expense insurance<\/strong> \u2014 sometimes called <em>funeral insurance<\/em> \u2014 is a low-value life insurance policy designed to cover the costs related to a death: ceremony, burial or cremation, urn, monument, announcement, reception.<\/p>\n    <p style=\"color:#334155;font-size:15.5px;line-height:1.75;margin:0;\">The capital, usually between <strong>$5,000 and $25,000<\/strong>, is <strong>paid to the beneficiary<\/strong> of your choice (spouse, children, executor) who uses it freely. No direct payment to the funeral home \u2014 the family manages the funds received. <\/p>\n  <\/div>\n<\/div>\n<p><!-- STATS BAR --><\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px;margin:32px 0 48px;\">\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83d\udcb0<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">$5\u201325K<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Typical lump sum capital<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\u26a1<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">24\u201372 hrs<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Typical payment after death<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83d\udc74<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">40\u201385 years<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Current Age of Admission<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83d\udcdd<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">3 min<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Online Comparator<\/p>\n  <\/div>\n<\/div>\n<p><!-- COMMENT \u00c7A FONCTIONNE --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-funeral-expense-insurance-work\"><\/span>How does funeral expense insurance work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:22px;margin:24px 0 40px;\">\n  <div style=\"display:flex;align-items:flex-start;gap:22px;\">\n    <div style=\"flex:0 0 40px;height:40px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:17px;\">1<\/div>\n    <div style=\"flex:1;\">\n      <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:18px;font-weight:800;margin:0 0 6px;\">You choose the amount of capital<\/h3>\n      <p style=\"color:#334155;font-size:15px;line-height:1.65;margin:0;\">Between $5,000 and $25,000 depending on your needs. A full funeral service costs an average of <strong>$7,000 to $12,000<\/strong> in Quebec in 2026 (Corporation des thanatologues du Qu\u00e9bec). <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:22px;\">\n    <div style=\"flex:0 0 40px;height:40px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:17px;\">2<\/div>\n    <div style=\"flex:1;\">\n      <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:18px;font-weight:800;margin:0 0 6px;\">You designate the beneficiary<\/h3>\n      <p style=\"color:#334155;font-size:15px;line-height:1.65;margin:0;\">Spouse, child, executor, other trusted person. The beneficiary may be different from your legal heir. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:22px;\">\n    <div style=\"flex:0 0 40px;height:40px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:17px;\">3<\/div>\n    <div style=\"flex:1;\">\n      <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:18px;font-weight:800;margin:0 0 6px;\">You pay a premium for life<\/h3>\n      <p style=\"color:#334155;font-size:15px;line-height:1.65;margin:0;\">Premium generally fixed for the duration of the contract (lifetime or for X years depending on the formula). Payable monthly or annually. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:22px;\">\n    <div style=\"flex:0 0 40px;height:40px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:17px;\">4<\/div>\n    <div style=\"flex:1;\">\n      <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:18px;font-weight:800;margin:0 0 6px;\">The capital is paid out quickly after death<\/h3>\n      <p style=\"color:#334155;font-size:15px;line-height:1.65;margin:0;\">Within 24 to 72 business hours after receipt of the death certificate, usually tax-free. The recipient uses the funds as they see fit. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<p><!-- AVERTISSEMENT INFLATION --><\/p>\n\n<div style=\"background:linear-gradient(135deg,#fef2f2 0%,#fee2e2 100%);border-left:6px solid #ef4444;border-radius:12px;padding:28px 32px;margin:32px 0;\">\n  <p style=\"color:#dc2626;font-size:12px;font-weight:800;letter-spacing:3px;text-transform:uppercase;margin:0 0 10px;\">\u26a0\ufe0f Attention \u00e0 l&#8217;inflation<\/p>\n  <h3 style=\"color:#7f1d1d;font-family:'Sora',sans-serif;font-size:18px;font-weight:800;margin:0 0 10px;\">Le capital ne suit pas l&#8217;inflation<\/h3>\n  <p style=\"color:#7f1d1d;font-size:15px;line-height:1.7;margin:0;\">Un capital de 10 000 $ souscrit \u00e0 55 ans peut valoir <strong>l&#8217;\u00e9quivalent de 5 000 \u00e0 6 000 $ en pouvoir d&#8217;achat<\/strong> 25 ans plus tard, avec une inflation moyenne de 2 \u00e0 3 %\/an. Choisissez votre montant en tenant compte de cette \u00e9rosion, ou consid\u00e9rez une <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"color:#7f1d1d;text-decoration:underline;font-weight:700;\">assurance vie enti\u00e8re<\/a> dont la valeur peut cro\u00eetre au fil du temps.<\/p>\n<\/div>\n<p><!-- TABLEAU PRIX --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-funeral-expense-insurance-cost-in-2026\"><\/span>How much does funeral expense insurance cost in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The premium depends mainly on your <strong>age at the time of subscription<\/strong>, the <strong>capital chosen<\/strong>, your <strong>state of health<\/strong> and your smoking or non-smoking status. The ranges below are indicative of 2026 for a healthy non-smoker. <\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0 40px;border-radius:14px;box-shadow:0 4px 16px rgba(13,31,45,0.06);\">\n<table style=\"width:100%;border-collapse:collapse;background:#ffffff;font-size:15px;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:16px 18px;text-align:left;font-weight:700;letter-spacing:.5px;text-transform:uppercase;font-size:13px;\">Age at subscription<\/th>\nPrincipal $\n<th style=\"padding:16px 18px;text-align:left;font-weight:700;letter-spacing:.5px;text-transform:uppercase;font-size:13px;\">10,000<\/th>Principal $\n<th style=\"padding:16px 18px;text-align:left;font-weight:700;letter-spacing:.5px;text-transform:uppercase;font-size:13px;\">15,000<\/th><th style=\"padding:16px 18px;text-align:left;font-weight:700;letter-spacing:.5px;text-transform:uppercase;font-size:13px;\">Principal $25,000<\/th>                  \n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">50\u201355 years $<\/td><td style=\"padding:14px 18px;color:#334155;\">20\u201335\/month<\/td><td style=\"padding:14px 18px;color:#334155;\">$28\u201350\/month<\/td><td style=\"padding:14px 18px;color:#334155;\">$45\u201380\/month<\/td><\/tr>\n    <tr style=\"background:#ffffff;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">55\u201365 years $<\/td><td style=\"padding:14px 18px;color:#334155;\">30\u201355\/month<\/td><td style=\"padding:14px 18px;color:#334155;\">$45\u201380\/month<\/td><td style=\"padding:14px 18px;color:#334155;\">$70\u2013130\/month<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">65\u201375 years $<\/td><td style=\"padding:14px 18px;color:#334155;\">55\u201395\/month<\/td><td style=\"padding:14px 18px;color:#334155;\">$80\u2013140\/month<\/td><td style=\"padding:14px 18px;color:#334155;\">$130\u2013240\/month<\/td><\/tr>\n    <tr style=\"background:#ffffff;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">75-85 years $<\/td><td style=\"padding:14px 18px;color:#334155;\">100\u2013170\/month<\/td><td style=\"padding:14px 18px;color:#334155;\">$150\u2013260\/month<\/td><td style=\"padding:14px 18px;color:#334155;\">$250\u2013430\/month<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n<p style=\"color:#64748b;font-size:12px;font-style:italic;margin:-24px 0 32px;\">*2026 indicative ranges for a healthy non-smoker. The exact premium depends on the profile, the formula and the insurer. <\/p>\n<p><!-- FRAIS FUN\u00c9RAIRES VS PR\u00c9-ARRANGEMENTS --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Funeral-Expense-Insurance-vs-Funeral-Pre-Arrangements\"><\/span>Funeral Expense Insurance vs. Funeral Pre-Arrangements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Two different products, often confused. Here are the main distinctions: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;margin:24px 0 40px;\">\n  <div style=\"background:#f0fdfa;border-radius:16px;padding:26px;border-top:4px solid #10c4c7;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:19px;font-weight:800;margin:0 0 14px;\">Funeral Expense Insurance (Insurance Policy)<\/h3>\n    <ul style=\"color:#334155;font-size:14.5px;line-height:1.8;margin:0;padding-left:20px;\">\n      <li>Capital paid to the <strong>beneficiary<\/strong> (person of their choice)<\/li>\n      <li>The beneficiary uses the money freely<\/li>\n      <li>You do not choose funeral services in advance<\/li>\n      <li>Portable: remains valid if you move, change living room<\/li>\n      <li>Regulated by <strong>the Chambre de l&#8217;assurance<\/strong> and the AMF<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:16px;padding:26px;border-top:4px solid #64748b;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:19px;font-weight:800;margin:0 0 14px;\">Funeral pre-arrangements (contract with a funeral home)<\/h3>\n    <ul style=\"color:#334155;font-size:14.5px;line-height:1.8;margin:0;padding-left:20px;\">\n      <li>Contract signed with a <strong>specific funeral home<\/strong><\/li>\n      <li>You now choose the services (coffin, urn, service, etc.)<\/li>\n      <li>The money is paid in trust at the salon<\/li>\n      <li>Less portable: linked to the signatory lounge<\/li>\n      <li>Regulated under the Act respecting prearranged funeral services (Quebec)<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n<p><!-- QUAND SOUSCRIRE --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-is-it-relevant-to-subscribe\"><\/span>When is it relevant to subscribe?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0 40px;\">\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 10px;\">\u2705 Souvent pertinent quand<\/h3>\n    <ul style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0;padding-left:20px;\">\n      <li>Vous n&#8217;avez pas d&#8217;autre assurance vie<\/li>\n      <li>Vous voulez \u00e9pargner vos proches d&#8217;un stress financier imm\u00e9diat<\/li>\n      <li>Vous \u00eates admissible malgr\u00e9 des conditions m\u00e9dicales (garanties \u00e9mises sans examen m\u00e9dical)<\/li>\n      <li>Vous voulez un produit simple, prime fixe, versement rapide<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 10px;\">\u26a0\ufe0f \u00c0 reconsid\u00e9rer si<\/h3>\n    <ul style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0;padding-left:20px;\">\n      <li>Vous avez d\u00e9j\u00e0 une assurance vie couvrant vos frais finaux<\/li>\n      <li>Vous \u00eates jeune (moins de 50 ans) et en bonne sant\u00e9 \u2014 une <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"color:#10c4c7;font-weight:700;\">assurance vie enti\u00e8re<\/a> a souvent un meilleur rendement<\/li>\n      <li>Vous voulez planifier les d\u00e9tails pr\u00e9cis de vos obs\u00e8ques (pr\u00e9f\u00e9rez le pr\u00e9-arrangement)<\/li>\n      <li>Le montant \u00e0 prot\u00e9ger est important (100 K$+) \u2014 une police vie standard est plus adapt\u00e9e<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n<p><!-- FAQ --><\/p>\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:24px 0 48px;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Le capital doit-il obligatoirement servir aux fun\u00e9railles\u00a0?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Non. Le capital est vers\u00e9 au b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 qui l&#8217;utilise comme il le souhaite. En pratique, il sert souvent aux frais fun\u00e9raires, mais il peut \u00e9galement couvrir dettes, factures m\u00e9dicales, aide aux petits-enfants ou tout autre besoin de la famille.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Y a-t-il un examen m\u00e9dical obligatoire\u00a0?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Souvent non. Beaucoup d&#8217;assurances frais fun\u00e9raires sont \u00e9mises sans examen m\u00e9dical, avec seulement quelques questions de sant\u00e9 (\u00ab \u00e9mission garantie \u00bb ou \u00ab \u00e9mission simplifi\u00e9e \u00bb). C&#8217;est une des raisons de leur popularit\u00e9 chez les 60+ avec conditions m\u00e9dicales.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Y a-t-il un d\u00e9lai de carence avant que la couverture soit active\u00a0?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Souvent oui pour les polices \u00e9mises sans examen m\u00e9dical. Le d\u00e9lai typique est de <strong>24 mois<\/strong>. Si le d\u00e9c\u00e8s survient par cause naturelle pendant ce d\u00e9lai, seule la somme des primes pay\u00e9es (parfois +10 %) est rembours\u00e9e, pas le capital total. En cas de d\u00e9c\u00e8s accidentel, le capital complet est habituellement vers\u00e9 sans d\u00e9lai.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Le versement est-il imposable\u00a0?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Non. Comme pour toute assurance vie vers\u00e9e \u00e0 un b\u00e9n\u00e9ficiaire nomm\u00e9, le capital vers\u00e9 est <strong>libre d&#8217;imp\u00f4t au Qu\u00e9bec et au Canada<\/strong>. Le b\u00e9n\u00e9ficiaire re\u00e7oit le montant int\u00e9gral.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Puis-je souscrire pour un parent \u00e2g\u00e9\u00a0?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Oui, mais avec deux conditions\u00a0: le parent doit signer le contrat lui-m\u00eame (consentement) et l&#8217;assureur doit reconna\u00eetre un <strong>int\u00e9r\u00eat assurable<\/strong> entre vous. Un enfant qui souscrit sur la vie de son parent, avec son accord, est une situation courante.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Que se passe-t-il si j&#8217;arr\u00eate de payer les primes\u00a0?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">La couverture cesse et vous perdez g\u00e9n\u00e9ralement les primes d\u00e9j\u00e0 vers\u00e9es. Certaines polices avec valeur de rachat permettent de r\u00e9cup\u00e9rer un pourcentage. Un courtier peut expliquer les options avant de choisir un contrat.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Assurance frais fun\u00e9raires ou assurance vie enti\u00e8re\u00a0?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">\u00c7a d\u00e9pend. L&#8217;assurance frais fun\u00e9raires est plus simple, souvent sans examen m\u00e9dical, mais avec capital fixe. L&#8217;<a href=\"\/assurance-vie\/\" style=\"color:#10c4c7;font-weight:700;\">assurance vie enti\u00e8re<\/a> peut offrir un meilleur rendement \u00e0 long terme et une valeur de rachat, mais n\u00e9cessite un examen m\u00e9dical. Un courtier partenaire peut comparer les deux options selon votre profil.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Assur360 est-il un courtier en assurance\u00a0?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Non. Assur360 est un <strong>comparateur d&#8217;assurance ind\u00e9pendant<\/strong> qui met en relation les Qu\u00e9b\u00e9cois avec des <strong>cabinets et courtiers partenaires certifi\u00e9s AMF<\/strong> sp\u00e9cialis\u00e9s en assurance vie et frais fun\u00e9raires.<\/div>\n  <\/details>\n<\/div>\n<p><!-- EEAT --><\/p>\n\n<div style=\"background:linear-gradient(135deg,#f0fdfa 0%,#ecfeff 100%);border-radius:20px;padding:40px 36px;margin:48px 0;\">\n  <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:3px;text-transform:uppercase;margin:0 0 14px;\">Why Compare with Assur360<\/p>\n  <h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:22px;font-weight:800;margin:0 0 20px;line-height:1.25;\"><span class=\"ez-toc-section\" id=\"A-comparator-backed-by-an-AMF-certified-firm\"><\/span>A comparator backed by an AMF-certified firm<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;\">\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><span style=\"color:#0d1f2d;font-size:15px;line-height:1.6;\"><strong>Independent comparator<\/strong> \u2014 multiple life insurers evaluated in 3 minutes<\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span> <span style=\"color:#0d1f2d;font-size:15px;line-height:1.6;\">Certified partner firms and brokers <strong>with the Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong><\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><span style=\"color:#0d1f2d;font-size:15px;line-height:1.6;\"><strong>Members of the Insurance Chamber<\/strong><\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><span style=\"color:#0d1f2d;font-size:15px;line-height:1.6;\">Brokers trained to support <strong>the 50+<\/strong> \u2014 listening and teaching<\/span><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;grid-column:1\/-1;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><span style=\"color:#0d1f2d;font-size:15px;line-height:1.6;\"><strong>100% free<\/strong> \u2014 brokers are paid by insurers, no extra cost to you<\/span><\/div>\n  <\/div>\n<\/div>\n<p><!-- CTA FINAL --><\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:20px;padding:56px 40px;margin:48px 0 32px;text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:3px;text-transform:uppercase;margin:0 0 14px;\">3 minutes flat<\/p>\n  <h2 style=\"color:#ffffff;font-family:'Sora',sans-serif;font-size:clamp(24px,3.5vw,32px);font-weight:800;margin:0 0 14px;line-height:1.2;\"><span class=\"ez-toc-section\" id=\"Protect-your-loved-ones-from-financial-stress\"><\/span>Protect your loved ones from financial stress<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#cbd5e1;font-size:16px;line-height:1.6;margin:0 auto 28px;max-width:620px;\">Personalized quote by a broker from an AMF-certified partner firm, usually called back within 24 business hours. No strings attached. <\/p>\n  <div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"\/soumission-rapide-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 32px;border-radius:10px;font-weight:800;text-decoration:none;font-size:16px;display:inline-block;\">My free comparison\u2192<\/a>\n    <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 32px;border-radius:10px;font-weight:700;text-decoration:none;font-size:16px;border:2px solid rgba(255,255,255,0.4);display:inline-block;\">\ud83d\udcde 1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n<p><!-- LIENS INTERNES --><\/p>\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(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Produit<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Assurance vie au Qu\u00e9bec<\/p>\n  <\/a>\n  <a href=\"\/assurance-vie-entiere\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Produit<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Assurance vie enti\u00e8re<\/p>\n  <\/a>\n  <a href=\"\/assurance-vie-temporaire\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Produit<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Assurance vie temporaire<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/courtier-assurance-vie\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Courtier<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Courtier assurance vie<\/p>\n  <\/a>\n<\/div>\n<p><!-- SCHEMAS --><\/p>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"@id\":\"https:\/\/www.assur360.ca\/#organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"description\":\"Comparateur d'assurance ind\u00e9pendant au Qu\u00e9bec, op\u00e9r\u00e9 par le cabinet Assur360 tek inc. certifi\u00e9 AMF.\",\"areaServed\":{\"@type\":\"AdministrativeArea\",\"name\":\"Qu\u00e9bec, Canada\"},\"telephone\":\"+1-866-357-4451\"}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance vie\",\"item\":\"https:\/\/www.assur360.ca\/assurance-vie\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Frais fun\u00e9raires\",\"item\":\"https:\/\/www.assur360.ca\/assurance-frais-funeraires\/\"}]}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Le capital doit-il obligatoirement servir aux fun\u00e9railles ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Le capital est vers\u00e9 au b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 qui l'utilise comme il le souhaite. En pratique, il sert souvent aux frais fun\u00e9raires mais peut couvrir dettes, factures ou tout autre besoin.\"}},\n{\"@type\":\"Question\",\"name\":\"Y a-t-il un examen m\u00e9dical obligatoire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Souvent non. Beaucoup d'assurances frais fun\u00e9raires sont \u00e9mises sans examen m\u00e9dical, avec seulement quelques questions de sant\u00e9 (\u00e9mission garantie ou simplifi\u00e9e).\"}},\n{\"@type\":\"Question\",\"name\":\"Y a-t-il un d\u00e9lai de carence avant que la couverture soit active ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Souvent oui pour les polices \u00e9mises sans examen. Le d\u00e9lai typique est de 24 mois. 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Compare via AMF partner firms.  <\/p>\n","protected":false},"author":49,"featured_media":81783,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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