{"id":20181,"date":"2018-08-21T10:57:52","date_gmt":"2018-08-21T14:57:52","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/term-life-insurance-2\/"},"modified":"2026-04-17T20:01:44","modified_gmt":"2026-04-18T00:01:44","slug":"term-life-insurance-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/","title":{"rendered":"Term life insurance"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/comparateur\/vie-temporaire\/#article\", \"headline\": \"Assurance vie temporaire au Qu\u00e9bec \u2014 Guide complet 2026\", \"url\": \"https:\/\/www.assur360.ca\/blog\/comparateur\/vie-temporaire\/\", \"datePublished\": \"2018-08-21T10:57:52\", \"dateModified\": \"2026-04-05T08:00:00\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault est courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec et propri\u00e9taire d'Assur360.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\", \"width\": 200, \"height\": 60}}, \"inLanguage\": \"fr-CA\", \"isPartOf\": {\"@type\": \"WebSite\", \"url\": \"https:\/\/www.assur360.ca\", \"name\": \"Assur360\"}, \"description\": \"Guide complet sur l'assurance vie temporaire au Qu\u00e9bec : T10, T20, T30, co\u00fbts, comparaison avec le permanent, protection hypoth\u00e9caire et conseils de courtier.\"}\n<\/script>\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/#Why-take-out-term-life-insurance\" >Why take out term life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/#T10-T20-T30-term-life-insurance-%E2%80%94-which-term-should-you-choose\" >T10, T20, T30 term life insurance \u2014 which term should you choose?<\/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\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/#How-much-does-term-life-insurance-cost-in-Quebec\" >How much does term life insurance cost in Quebec?<\/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\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/#Term-vs-Permanent-Life-Insurance-%E2%80%94-Which-One-Is-Right-for-You\" >Term vs. Permanent Life Insurance \u2014 Which One Is Right for You?<\/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\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/#Term-life-insurance-for-your-mortgage\" >Term life insurance for your mortgage<\/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\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/#How-to-get-the-best-term-life-insurance-in-Quebec\" >How to get the best term life insurance in Quebec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/term-life-insurance-2\/#Frequently-asked-questions-%E2%80%94-Term-life-insurance\" >Frequently asked questions \u2014 Term life insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-take-out-term-life-insurance\"><\/span>Why take out term life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">What is the role of term life insurance?<\/h3>\n\n<p class=\"wp-block-paragraph\">For fixed-term insurance needs, <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\">term life insurance<\/a> is highly recommended. This solution stands out for its flexibility and low cost: it can be subscribed for a period of 10, 20 or 30 years, depending on your needs. It also has the advantage that it can be converted into permanent protection, without having to undergo a full medical investigation again.  <\/p>\n\n<p class=\"wp-block-paragraph\">Term life insurance is for anyone who wants to protect themselves, their loved ones or even their business for a well-defined period of time. It is still more affordable than <a href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/\">permanent life insurance<\/a>, but it is important to know that premiums are subject to an increase with each renewal, unlike permanent coverage whose premiums are constant. <\/p>\n\n<p class=\"wp-block-paragraph\">Both types of contracts ensure the payment of the death benefit to the beneficiaries named in the policy. If the policy matures before the insured&#8217;s death, no lump sum is paid out \u2014 beneficiaries can only receive a benefit if the policy is still in force. <\/p>\n\n<p class=\"wp-block-paragraph\">Note that term life insurance has no cash value, unlike <a href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/\">permanent life insurance<\/a>, which includes a savings component. To learn more about the conditions of insurability in Qu\u00e9bec, visit the website of the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/assurance-vie\" target=\"_blank\" rel=\"noopener noreferrer\">Autorit\u00e9 des march\u00e9s financiers (AMF).<\/a> <\/p>\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\"><img decoding=\"async\" width=\"1200\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2018\/08\/assurance-vie-temporaire.jpg\" alt=\"Term life insurance in Quebec\" class=\"wp-image-3666\"  sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n<h3 class=\"wp-block-heading\">Who is term life insurance for?<\/h3>\n\n<p class=\"wp-block-paragraph\">Term life insurance is suitable for anyone who wants protection over a well-defined period. It is particularly well suited to the following profiles: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Young families<\/strong> : Protecting family income during the years when children are dependents.<\/li>\n\n\n\n<li><strong>Homeowners<\/strong> : pay off the mortgage in the event of the premature death of the primary breadwinner.<\/li>\n\n\n\n<li><strong>Entrepreneurs<\/strong> : To cover a business debt or an agreement between partners for a fixed period.<\/li>\n\n\n\n<li><strong>People on a budget<\/strong> : get maximum coverage at the lowest possible cost.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Generally available until age 75 depending on the insurer, term life insurance can be renewed at maturity \u2014 although premiums increase with each renewal. To find the ideal coverage, a broker can compare several insurers for you. You can also explore <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/\">life insurance without a medical exam<\/a> if your health is a challenge.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"T10-T20-T30-term-life-insurance-%E2%80%94-which-term-should-you-choose\"><\/span>T10, T20, T30 term life insurance \u2014 which term should you choose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Term length is one of the most important decisions when purchasing term life insurance. Here&#8217;s how to choose according to your situation. <\/p>\n\n<h3 class=\"wp-block-heading\">T10 (10 years) \u2014 for whom?<\/h3>\n\n<p class=\"wp-block-paragraph\">The 10-year term offers the lowest premiums in the short term. It is particularly suitable for people who: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Have a need for temporary and well-defined protection (e.g., coverage for a car or personal loan).<\/li>\n\n\n\n<li>Anticipate an improvement in their financial situation in 10 years (debt repayment, children who have become independent).<\/li>\n\n\n\n<li>Want coverage at a very low cost and regularly reassess their needs.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Please note<\/strong> : with each renewal, the premiums increase considerably. A 55-year-old who renews a T10 will pay much more than a 35-year-old who purchased a T20 from the start. <\/p>\n\n<h3 class=\"wp-block-heading\">T20 (20 years) \u2014 the most popular choice<\/h3>\n\n<p class=\"wp-block-paragraph\">The term 20 years is by far the most common in Quebec. It represents the best balance between the duration of protection and the cost of premiums. This term is ideal for:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Young parents (25-40 years old) who want to protect their family until the children are independent.<\/li>\n\n\n\n<li>Homeowners with a 20- to 25-year mortgage.<\/li>\n\n\n\n<li>People who want to lock in fixed premiums for the next two decades.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Purchased at age 35, a T20 protects you until age 55 \u2014 for the entire period when your family is most dependent on your income. This is often the term recommended by experienced brokers. <\/p>\n\n<h3 class=\"wp-block-heading\">T30 (30 years) \u2014 maximum coverage<\/h3>\n\n<p class=\"wp-block-paragraph\">The 30-year term offers the longest protection available in term insurance. It is suitable for people who: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Want complete peace of mind until retirement.<\/li>\n\n\n\n<li>Have young children (under 5 years old) and want to be covered until they are completely financially independent.<\/li>\n\n\n\n<li>Have a 25-30 year mortgage and want to synchronize their coverage with their debt.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">T30 premiums are higher than T10 or T20 premiums, but they remain fixed for the entire term \u2014 which can represent substantial savings over the long term compared to multiple T10 renewals.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-term-life-insurance-cost-in-Quebec\"><\/span>How much does term life insurance cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The cost of term life insurance varies depending on age, gender, health, amount of coverage and length of term. Here are indicative monthly estimates for a healthy non-smoker in Quebec (20-year term): <\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Age<\/th><th>$250,000<\/th><th>$500,000<\/th><th>$1,000,000<\/th><\/tr><\/thead><tbody><tr><td>25 years<\/td><td>~$12\/month<\/td><td>~$20\/month<\/td><td>~$35\/month<\/td><\/tr><tr><td>35 years<\/td><td>~$18\/month<\/td><td>~$30\/month<\/td><td>~$55\/month<\/td><\/tr><tr><td>45 years<\/td><td>~$35\/month<\/td><td>~$65\/month<\/td><td>~$120\/month<\/td><\/tr><tr><td>55 years old<\/td><td>~$80\/month<\/td><td>~$150\/month<\/td><td>~$280\/month<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>These amounts are average estimates. Actual premiums vary depending on the insurer, your medical record, and your lifestyle (smoking, extreme sports, etc.). A broker can get you comparative quotes from several insurers in a single process.  <\/em><\/p>\n\n<p class=\"wp-block-paragraph\">To find out the exact price according to your profile, get a <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\">free life insurance quote<\/a> with Assur360.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Term-vs-Permanent-Life-Insurance-%E2%80%94-Which-One-Is-Right-for-You\"><\/span>Term vs. Permanent Life Insurance \u2014 Which One Is Right for You?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The choice between term and permanent insurance depends mainly on your goals and your planning horizon.<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Criterion<\/th><th>Term life insurance<\/th><th>Permanent life insurance<\/th><\/tr><\/thead><tbody><tr><td>Duration<\/td><td>10, 20 or 30 years<\/td><td>All life<\/td><\/tr><tr><td>Monthly cost<\/td><td>Low at the start<\/td><td>Higher, but fixed<\/td><\/tr><tr><td>Cash value<\/td><td>None<\/td><td>Yes (accumulation)<\/td><\/tr><tr><td>Conversion possible<\/td><td>Yes (permanent verse)<\/td><td>Not applicable<\/td><\/tr><tr><td>Best for<\/td><td>Debts, family, mortgage<\/td><td>Inheritance, bequests, tax planning<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">For most Quebecers in the accumulation phase (30-50 years old), term insurance perfectly meets the needs: to cover family income, protect the mortgage and pay off debts. <a href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/\">Permanent life insurance<\/a>, on the other hand, is more for people who want to incorporate insurance into their estate planning or take advantage of the cash value over the long term. <\/p>\n\n<p class=\"wp-block-paragraph\">In many cases, the optimal strategy combines the two: a temporary one to cover current needs at a lower cost, and a small permanent one for the future bequest.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Term-life-insurance-for-your-mortgage\"><\/span>Term life insurance for your mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">If you have a mortgage, your bank has probably offered you its own mortgage default insurance product. Before accepting, it is important to understand the major differences between bank protection and an individual policy taken out through a broker. <\/p>\n\n<p class=\"wp-block-paragraph\">The main difference: with bank insurance, the beneficiary is the bank \u2014 not your family. In the event of death, the bank is reimbursed directly and your loved ones have no control over the funds. With individual term life insurance, <strong>your family receives the benefit and decides for themselves how to use it<\/strong> : pay off the mortgage, maintain the standard of living, pay for the children&#8217;s education.  <\/p>\n\n<p class=\"wp-block-paragraph\">In addition, the bank coverage is decreasing (the insured balance decreases with your mortgage) while the premium remains fixed. With an individual policy, you pay for fixed coverage \u2014 and the price per insured dollar decreases over time. <\/p>\n\n<p class=\"wp-block-paragraph\">To go further on this subject, read our full article: <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/mortgage-life-insurance-why-you-should-always-refuse-your-banks\/\">Mortgage life insurance: why refuse the bank&#8217;s insurance<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-the-best-term-life-insurance-in-Quebec\"><\/span>How to get the best term life insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Here are the 5 steps to take out the best coverage at the best price:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Assess your real needs<\/strong> : Calculate the amount needed to replace your income, pay off your debts (mortgage, loans) and provide for your children&#8217;s education. A general rule of thumb: aim for 10 to 12 times your gross annual income. <\/li>\n\n\n\n<li><strong>Choose the length of the term<\/strong> : T10 for a short-term need, T20 for standard family protection, T30 for full coverage until retirement.<\/li>\n\n\n\n<li><strong>Compare several insurers<\/strong> : premiums can vary by 30 to 50% from one insurer to another for an identical profile. An independent broker has access to all companies in the Quebec market. <\/li>\n\n\n\n<li><strong>Check conversion clauses<\/strong> : Make sure your policy offers the option to convert to permanent without a new medical investigation \u2014 a valuable benefit if your health deteriorates.<\/li>\n\n\n\n<li><strong>Designate your beneficiaries carefully<\/strong> : name irrevocable or revocable beneficiaries based on your family situation, and update your designation after each major life change (marriage, divorce, birth).<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">At Assur360, our certified life and health insurance broker partners compare the best offers on the market for you. <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\">Request a free quote<\/a> \u2014 free connection in a few hours.<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\"><strong>Related Resources:<\/strong> <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\">Life Insurance Guide in Quebec<\/a> | <a href=\"https:\/\/www.assur360.ca\/en\/permanent-life-insurance-in-quebec\/\">Permanent Life Insurance<\/a> | <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/\">Life insurance without a medical exam<\/a><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Term-life-insurance\"><\/span>Frequently asked questions \u2014 Term life insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details id=\"quest-ce-que-lassurance-vie-temporaire\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is term life insurance?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Term life insurance is an insurance policy that protects you for a set period of time (10, 20 or 30 years). If you die during this period, your beneficiaries receive the death benefit. If you survive the term, the policy expires with no cash surrender value. This is the most affordable form of life insurance.   <\/p>\n<\/details>\n\n<details id=\"quelle-est-la-difference-entre-t10-t20-t30\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is the difference between T10, T20 and T30?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">T10, T20 and T30 denote the length of the term in years. A T10 covers you for 10 years at lower premiums, but you&#8217;ll need to renew at a higher cost at maturity. The T20 is the most popular \u2014 it offers a good balance of time and cost. The T30 offers the longest protection with fixed premiums over 30 years.   <\/p>\n<\/details>\n\n<details id=\"combien-coute-assurance-vie-temporaire-quebec\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How much does term life insurance cost in Quebec?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">A $500,000 T20 term life insurance costs about $20\/month for a 25-year-old non-smoker, $30\/month at age 35, $65\/month at age 45, and $150\/month at age 55. The price varies according to age, health, gender and insurer. A broker can compare several offers to find you the best price.  <\/p>\n<\/details>\n\n<details id=\"peut-on-convertir-temporaire-en-permanente\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can you convert term life insurance to permanent?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Yes, most term policies include a conversion clause that allows you to switch to permanent insurance without a new medical investigation, before a certain age (usually 65 years old). This is an important benefit if your health deteriorates and you would not otherwise be insurable. <\/p>\n<\/details>\n\n<details id=\"assurance-temporaire-vaut-elle-mieux-que-celle-de-la-banque\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is individual term life insurance better than my bank&#8217;s?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">In the vast majority of cases, yes. Individual life insurance purchased through a broker is often cheaper, with fixed (non-decreasing) coverage and a beneficiary of your choice \u2014 not the bank. Bank mortgage default insurance has coverage that decreases with your balance, but you pay the same premium until the end.  <\/p>\n<\/details>\n\n<details id=\"faut-il-un-examen-medical-pour-assurance-temporaire\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Do I need a medical exam to get term life insurance?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">It depends on the amount requested and your age. Below certain thresholds (often $500,000 before age 40), a simple health questionnaire is sufficient. For higher amounts or more complex medical profiles, an examination may be required. There are also <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-without-a-medical-exam-in-quebec\/\">life insurance products without a medical exam<\/a>, with different conditions.   <\/p>\n<\/details>\n\n<details id=\"que-se-passe-t-il-a-la-fin-du-terme\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What happens at the end of my term of term life insurance?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">At the end of the term, you have three options: renew the policy (at higher premiums depending on your age), convert it to permanent insurance (without a medical exam if your policy allows it), or let the policy expire if you no longer need coverage. No value is refunded at expiry. <\/p>\n<\/details>\n\n<details id=\"comment-choisir-montant-couverture-assurance-vie\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How do I choose the right amount of coverage?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">A simple rule: aim for 10 to 12 times your gross annual income. Then add your mortgage balance, other debts, and a provision for your children&#8217;s education. A broker can do a complete and free needs analysis to help you determine the exact amount for your situation.  <\/p>\n<\/details>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qu'est-ce que l'assurance vie temporaire ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance vie temporaire est une police d'assurance qui vous prot\u00e8ge pendant une dur\u00e9e d\u00e9termin\u00e9e (10, 20 ou 30 ans). Si vous d\u00e9c\u00e9dez pendant cette p\u00e9riode, vos b\u00e9n\u00e9ficiaires re\u00e7oivent la prestation de d\u00e9c\u00e8s. Si vous survivez au terme, la police expire sans valeur de rachat. C'est la forme d'assurance vie la plus abordable.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelle est la diff\u00e9rence entre T10, T20 et T30 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"T10, T20 et T30 d\u00e9signent la dur\u00e9e du terme en ann\u00e9es. Un T10 vous couvre 10 ans \u00e0 des primes plus basses, mais vous devrez renouveler \u00e0 un co\u00fbt plus \u00e9lev\u00e9 \u00e0 l'\u00e9ch\u00e9ance. Le T20 est le plus populaire \u2014 il offre un bon \u00e9quilibre entre dur\u00e9e et co\u00fbt. Le T30 offre la protection la plus longue avec des primes fixes sur 30 ans.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbte une assurance vie temporaire au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Une assurance vie temporaire T20 de 500 000 $ co\u00fbte environ 20 $\/mois pour un non-fumeur de 25 ans, 30 $\/mois \u00e0 35 ans, 65 $\/mois \u00e0 45 ans, et 150 $\/mois \u00e0 55 ans. Le prix varie selon l'\u00e2ge, la sant\u00e9, le sexe et l'assureur. Un courtier peut comparer plusieurs offres pour vous trouver le meilleur prix.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Peut-on convertir une assurance vie temporaire en permanente ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui, la plupart des polices temporaires incluent une clause de conversion vous permettant de passer \u00e0 une assurance permanente sans nouvelle enqu\u00eate m\u00e9dicale, avant un certain \u00e2ge (g\u00e9n\u00e9ralement 65 ans). C'est un avantage important si votre sant\u00e9 se d\u00e9t\u00e9riore et que vous ne seriez plus assurable autrement.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"L'assurance vie temporaire individuelle vaut-elle mieux que celle de ma banque ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Dans la grande majorit\u00e9 des cas, oui. L'assurance vie individuelle souscrite via un courtier est souvent moins ch\u00e8re, avec une couverture fixe (non d\u00e9croissante) et un b\u00e9n\u00e9ficiaire de votre choix \u2014 pas la banque. L'assurance pr\u00eat hypoth\u00e9caire bancaire a une couverture qui diminue avec votre solde, mais vous payez la m\u00eame prime jusqu'\u00e0 la fin.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Faut-il passer un examen m\u00e9dical pour souscrire une assurance vie temporaire ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Cela d\u00e9pend du montant demand\u00e9 et de votre \u00e2ge. En dessous de certains seuils (souvent 500 000 $ avant 40 ans), un simple questionnaire de sant\u00e9 suffit. Pour des montants plus \u00e9lev\u00e9s ou des profils m\u00e9dicaux plus complexes, un examen peut \u00eatre requis. Il existe aussi des produits d'assurance vie sans examen m\u00e9dical, avec des conditions diff\u00e9rentes.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que se passe-t-il \u00e0 la fin du terme de mon assurance vie temporaire ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u00c0 la fin du terme, vous avez trois options : renouveler la police (\u00e0 des primes plus \u00e9lev\u00e9es selon votre \u00e2ge), la convertir en assurance permanente (sans examen m\u00e9dical si votre police le permet), ou laisser la police expirer si vous n'avez plus besoin de couverture. Aucune valeur n'est rembours\u00e9e \u00e0 l'expiration.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment choisir le bon montant de couverture ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Une r\u00e8gle simple : visez 10 \u00e0 12 fois votre revenu annuel brut. Ajoutez ensuite le solde de votre hypoth\u00e8que, vos autres dettes et une provision pour les \u00e9tudes de vos enfants. Un courtier peut faire une analyse de besoins compl\u00e8te et gratuite pour vous aider \u00e0 d\u00e9terminer le montant exact selon votre situation.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Why take out term life insurance? What is the role of term life insurance? For fixed-term insurance needs, term life insurance is [&hellip;]<\/p>\n","protected":false},"author":50,"featured_media":36105,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Term Life Insurance in Quebec: Prices and Comparison \u2014 Assur360","_seopress_titles_desc":"Compare T10, T20, T30 term life insurance in Quebec. Our certified partner brokers find the best deal \u2014 free connection in 3 minutes. 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