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Protect your family and your estate with term life insurance. Compare term life insurance prices with our most competitive partners in Quebec. Complete the following online life insurance form and you will get the best offer on the market from among the 12 largest Canadian insurers. Challenge us to find the best price for your insurance through our partners!
To shop for your life insurance across several partner brokerages in a single step, you can also go through AccesDirect, the online comparator that acts as an intermediary between you and Quebec partner brokerages.
If you do not know exactly what your term life insurance needs are, you can analyze your needs yourself using our life insurance calculator.
Compare Quebec life insurance companies
Our comparison tool lets you compare among all Quebec life insurance companies to identify which one will best meet your needs.
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Fill out the short 5-question form by first choosing the type of insurance you need. Press one of the two orange buttons on your right to begin.
Information on online life insurance
Online personal insurance: Financially protecting your family or your business provides peace of mind from generation to generation. Most of the time, we underestimate the impact that the premature death of one of the family’s financial providers could have on daily standard of living. PERSONAL INSURANCE, whose death benefit is tax-free, is an essential way to provide your loved ones with the financial support needed to allow life to continue on its course.
Term life insurance
Term life insurance coverage offers you the following benefits:
* A term life insurance coverage at low cost with guaranteed premiums, offering protection for the chosen period. * A coverage amount, premiums, policy fees and conversion options guaranteed for the duration of your policy. * A known and guaranteed renewal term premium. * The possibility of qualifying for preferred rating and thus obtaining a more advantageous premium. * Term coverage flexible enough to be converted into permanent coverage according to your needs. * A range of additional riders to customize your coverage, such as hospitalization and long-term care insurance, paramedical care in case of accident, critical illness protection, income protection in case of accident or illness, and many more. Permanent personal insurance: Permanent coverage offers you the following benefits:
* Permanent life insurance is an attractive option at every stage of your life because it offers coverage for which you choose the payment period but for which you are insured for your entire life, and which provides a cash surrender value * Your permanent life insurance premiums, coverage amount and surrender values are guaranteed. No surprises, no worries * Various payment options for your permanent life insurance * You can choose to be released from premium payments after 10, 15 or 20 years, and even up to 30 years (child protection) or up to age 65 or 100. This lets you set your budget according to your priorities * You customize your policy, at issue or at any other time, thanks to a wide selection of riders and additional benefits
Life insurance for your children
The Child Life and Child Health Insurance Duo is a simple, unique and complete insurance solution to protect your child (from 0 to 20 years old). Payable until your child turns 30, this life insurance has the distinctive feature of paying a benefit equal to 50% of the coverage amount if a critical illness is diagnosed before the end of the premium payment period * For all child coverage purchased between 0 and 20 years old (except T100), we guarantee that the insured will be able, as an adult, to increase their coverage regardless of health status. * Healthy lifestyle habits pay off! Children insured between 0 and 14 years old benefit from a 40% increase in their initial coverage starting in adolescence if they meet certain health criteria, at no additional cost.
Life insurance for every type of loan (mortgage, personal loan, line of credit etc.)
Permanent coverage offers you the following benefits:
You chose your home with great care. Online loan insurance lets you enjoy it in complete peace of mind because it protects the investment of a lifetime. Go ahead! Enjoy the joys and unforgettable moments your home will bring you
- An individual online mortgage insurance policy that you own, unlike group-based coverage offered by most financial institutions;
- Protection against interest-rate increases since premiums are level and guaranteed for the entire term
- The option of receiving benefits that cover your mortgage payments in case of disability or critical illness
- The choice of individual or joint life insurance coverage according to your personal situation, allowing you to benefit from significant premium savings
- The advantage of keeping your insurance even if you refinance or change lenders. Your coverage always remains in force
- The privilege of converting your mortgage insurance into a regular online life insurance policy without having to answer health questions;
- The option to designate a beneficiary other than your financial institution
Protect your home, preserve your loved ones’ freedom
The freedom for your heirs to use the benefits to repay your loan or to meet more pressing needs, since the insurance benefit is paid to the beneficiary and not to your lending institution.
Practical tips: – Some life insurers allow a non-smoker classification for online life insurance if there is only occasional cigar or pipe use. – If you take medication to successfully control your blood pressure or cholesterol, you are likely eligible for a standard online life insurance premium. – In Canada, an alarming percentage of people qualify for a better health classification on their life insurance, and therefore lower premiums. The plan they are enrolled in is often less than competitive. – We have several practical tax options related to online life insurance that self-employed workers and small business owners can benefit from. – Death benefit, survivor allowance and life annuity are all synonyms for similar products, including whether personal insurance or pension money is paid. – It is important to consider taxes, which can make a big difference on the amounts paid to a deceased person’s beneficiaries.
Frequently asked questions — life insurance Quebec
Life insurance ensures the financial security of your loved ones if you die prematurely. It can be used to pay off the mortgage, maintain your family’s standard of living, pay funeral expenses and debts, and replace your income. If people depend on you financially, life insurance is essential. Term life insurance protects you for a defined period (10, 20 or 30 years) and is generally less expensive. It is ideal for covering a mortgage or protecting dependent children. Permanent life insurance (universal life or whole life) covers you for your entire life and can accumulate a cash surrender value, but premiums are higher. A general rule is to insure yourself for 7 to 10 times your gross annual income. You should also take into account your mortgage balance, your debts, your children’s future needs (education, etc.) and the income your spouse will have to replace. An AccesDirect advisor can perform a personalized analysis of your real needs. Yes, certain medical conditions can lead to an additional premium, specific exclusions or, in severe cases, a refusal. It is important to be honest on the application — any false declaration can invalidate the policy at the time of death. A life insurance advisor can direct you to the insurers most open to your health profile. The beneficiary is the person who will receive the coverage amount at the time of your death. Designating a beneficiary (spouse, children, etc.) prevents the coverage amount from passing through your estate, speeds up payment and protects the coverage amount from creditors. You can change your beneficiary at any time if the designation is revocable. No, the life insurance benefit paid to the designated beneficiary is generally not taxable in Canada. This is one of the significant tax advantages of life insurance. If the coverage amount is paid to the estate rather than to a named beneficiary, it could become part of the estate’s assets, subject to fees and delays. Group insurance offered by an employer is often limited to 1 or 2 times the annual salary, which is generally insufficient for people with dependents, a mortgage or significant debt. Furthermore, it disappears if you change jobs. A complementary personal policy is strongly recommended. The cost varies based on your age, your health, whether you smoke, the type of policy and the coverage amount. A $500,000 T-20 term life policy can cost between $30 and $80 per month for a healthy adult in their thirties. The longer you wait, the higher the premiums will be. Comparing early is worthwhile. Most term life insurance policies include an option to convert to a permanent policy without a medical exam, before a certain date (often age 65). This is an important benefit if your health deteriorates over time. Check whether your policy includes this clause at the time of purchase. For term insurance, the policy is suspended after a grace period (usually 30 days) and you lose your coverage. For a permanent policy with cash surrender value, options may exist: temporary suspension, use of the accumulated value or conversion to a paid-up policy. Consult your life insurance advisor before making a decision.Why do I need life insurance?
What is the difference between term and permanent life insurance?
How much life insurance should I have?
Do pre-existing conditions affect my eligibility for life insurance?
How do I designate a beneficiary and why is it important?
Is the death benefit taxable in Canada?
Is my group life insurance at work enough?
What is the cost of life insurance in Quebec?
Can I convert my term insurance to permanent insurance?
What happens if I stop paying my life insurance premiums?
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