Are you looking for life insurance to give your loved ones greater peace of mind? Whether you’re considering term life insurance or permanent life insurance, we have many solutions that will suit your individual needs.
Taking out life insurance is first and foremost about providing financial security for your loved ones. In the event of death, your life insurance policy pays a predetermined amount to your beneficiaries to cover expenses, debts, or simply help maintain their quality of life.
With ClicAssure, compare some of the best life insurance options in Quebec in just a few minutes, offered by recognized insurers. Whether you’re looking for term life insurance for a specific period or permanent life insurance for lifelong protection, we help you find the ideal coverage based on your needs and your budget.
👉 Get a free life insurance quote today and protect your family right now.
ClicAssure is Quebec’s #1 life insurance comparison platform. Whether it’s for term life insurance, permanent life insurance, disability insurance, or to protect yourself financially against a critical illness, ClicAssure will connect you with specialists whose mission is to do everything they can to find you the best insurance at the best price.
✅ ClicAssure, as well as all of its life insurance partners, are duly registered with the Autorité des marchés financiers (AMF).
By clicking START NOW, you grant the permissions below and accept our terms of use.*
*Permissions:
I authorize ClicAssure to collect and share my personal information with some of its business partners who may provide me with an insurance quote. I also authorize ClicAssure and its partners to contact me by email, text, phone, or mail to respond to my request or finalize my quote.
I also consent to ClicAssure and its partners collecting, using, sharing, and retaining my personal information for the purposes of:
• Creating and updating my profile;
• Assessing the products and services they can offer me;
• Obtaining my feedback on my interactions with them or on their products and services;
• Conducting studies and creating statistical models;
• Providing me with personalized recommendations;
• Fulfilling their legal obligations.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
Privacy
Use of cookies
14
people online
3M +
completed forms until now by our users
4.7 stars
+ than 1000 Google reviews
Life insurance is a contract between you and an insurance company. In exchange for regular premiums, the insurer agrees to pay a predetermined amount to your beneficiaries upon your death. This amount can be used to:
At ClicAssure, you can compare different types of coverage available in Quebec:
Ideal for short- or medium-term needs, such as protecting your family while paying off your mortgage or until retirement.
Offers lifetime protection and may include a cash value.
This coverage is recommended if you want to:
Even if you don’t have dependents, life insurance can still protect your loved ones from unexpected expenses related to your death.
In addition to term and permanent life insurance, ClicAssure allows you to shop for various personal insurance options, such as universal life insurance, mortgage life insurance, disability insurance, group insurance, salary insurance, and critical illness insurance.
Life insurance, whether permanent or term, offers several advantages depending on your needs.
It provides financial security to your loved ones during an emotionally difficult time in the event of your death. The amount paid to your beneficiaries can help cover funeral expenses, pay off potential debts or loans, and relieve them of a financial burden you likely want to spare them.
Taking out life insurance is the best way to ensure your family can continue to be financially supported after your death.
| Type of Insurance | Main Features | Best Suited For |
| Term Life Insurance | Temporary coverage for a set period (e.g., 5, 10, 20, 30 years), often more affordable initially, can be converted to permanent insurance. | Individuals with temporary financial obligations (e.g., mortgage, young children), those seeking cost-effective options. |
| Whole Life Insurance | Permanent lifetime coverage, fixed premiums that never increase, guaranteed death benefit, cash value accumulation over time, potential dividends (participating policies). | Individuals seeking lifetime protection, estate planning needs, guaranteed growth, and potential access to funds during their lifetime. |
| Universal Life Insurance | Permanent lifetime coverage, flexible premiums (within certain limits), an investment component with various account options for tax-sheltered growth, adjustable death benefit. | Individuals seeking lifetime protection with greater premium flexibility and the potential for investment growth within the policy. |
Permanent life insurance protects you for your entire life, as long as you continue to pay your premiums. It does not expire, and generally, your payments will not increase over time.
Term life insurance, on the other hand, protects you for a predetermined period and is more affordable than permanent insurance. However, once that period ends and you still want coverage, you will need to renew it or find another policy, likely at a higher cost because you will be older.
The choice between term and permanent life insurance depends on your financial needs and long-term goals. If you need coverage for a specific period—for example, until your children are financially independent—term life insurance may be more appropriate. Conversely, if you want to leave an inheritance or cover final expenses without an expiration date, permanent life insurance would be a better choice.
There is no minimum or maximum age to take out life insurance. However, the younger you are when you purchase a policy, the lower your premiums are likely to be, since your health is generally better than if you wait until an older age.
In terms of family security, couples with children have every reason to take out life insurance for themselves and their children to ensure a secure future in the event of a parent’s death.
Everyone should have life insurance, regardless of age or life stage. It is even more important if you have a child, student debt, loans, or other obligations that would fall on your loved ones if you were to pass away.
The cost of life insurance varies based on several factors, including your age, health status, type of insurance (term or permanent), coverage amount, and policy duration. In general, term life insurance premiums are lower than those for permanent life insurance. To get an accurate estimate, it is recommended to request quotes from multiple insurers through an online comparison tool like ClicAssure.com.
Insurance companies typically offer several payment options for life insurance premiums. You can choose to pay your premiums monthly, quarterly, semi-annually, or annually. Some policies also allow one-time lump-sum payments for those who prefer to pay all at once. It is important to choose a payment option that fits your budget and your financial preferences.
Most life insurance policies offer a grace period of 30 to 31 days to pay your premium without penalty. If you do not pay within this period, your policy may lapse. However, with a permanent life insurance policy, the insurer may use the accumulated cash value to cover unpaid premiums. If you stop paying your life insurance premiums, the consequences depend on the type of policy you have. For term life insurance, coverage will end after the grace period and you will no longer be insured. For permanent life insurance, you may have several options, such as using the accumulated cash value to pay premiums, reducing the coverage amount, or converting the policy into a reduced paid-up policy. It is crucial to understand the terms of your policy and to speak with your insurer if you are considering stopping payments.
Life insurance can cover deaths due to pre-existing conditions, but this depends on your policy terms and on the disclosure of your health status at the time of application. If you disclosed all relevant information and the insurer agreed to cover you, death due to a pre-existing condition is generally covered. However, some policies may have exclusions or waiting periods for certain pre-existing conditions. It is important to read your policy terms carefully and discuss your situation with your insurer.
Cash value is an important aspect of permanent life insurance. It is a portion of the premiums you have paid that is set aside by the insurer and accumulates value over time. You can borrow against this cash value, withdraw it, or use it to pay your insurance premiums. Cash value can be a significant advantage of permanent life insurance, offering added financial flexibility.
To save money on your life insurance premium, consider purchasing a policy at a younger age, as premiums are generally lower when you are younger and in better health. Comparing offers from different companies using a comparison tool like ClicAssure.com can also help you find a better deal. Maintaining a healthy lifestyle by avoiding tobacco and managing your health can also reduce your premium costs.
This depends on the type of life insurance you choose and the insurance company. For most traditional life insurance policies, a medical exam is often required to assess your health and determine your premium. However, there are no-medical-exam options, such as simplified or guaranteed issue policies, which allow you to apply without medical tests, although premiums may be higher and coverage amounts more limited.
For individuals over 50, there are specific policies that do not require a medical exam but impose waiting periods before full coverage takes effect. It is always recommended to review the specific terms of each policy and speak with your insurer to choose the option best suited to your situation.
In general, death benefits from a life insurance policy are not taxable for beneficiaries. However, it is advisable to consult a tax advisor for specific situations, especially if the death benefit is paid as part of a large estate that may be subject to estate taxes.
Online life insurance quoting is a simple and convenient process. On ClicAssure.com, you fill out a form with basic information about yourself and your life insurance needs. Once the form is submitted, our comparison tool analyzes offers from multiple insurers in Quebec to provide you with personalized quotes. You can then compare available options in terms of coverage and price and choose the policy that best suits you. This process saves you time and helps you obtain the best possible offer without having to contact each insurer individually.
You can take out life insurance at any time. However, it is important to remember that the younger and healthier you are at the time of application, the lower your premiums will be. As a result, Quebecers benefit from shopping for life insurance at a young age to take advantage of the most competitive premiums. As you age, your premiums will increase.
Some group insurance plans offer a life insurance option. However, unless you have access to a very high-end group insurance plan (which is extremely expensive), the life insurance coverage included in your group plan is often very basic. It is very rare for a group insurance plan to offer life insurance coverage exceeding one times an employee’s annual salary. This coverage may cover certain expenses such as funeral costs, but it will not be sufficient to provide your heirs with a substantial amount of money that would allow them to maintain their lifestyle with peace of mind. To leave your heirs $200,000 or more in the event of your death, the best possible option is to choose private life insurance.
*All the data presented in the tables below are courtesy of our partner, IDC Worldsource Insurance Network.
(30-year-old, non-smoker, standard health risk)
| Policy Type | Male | Female |
|---|---|---|
| 10-Year Term Insurance | $20.25 | $13.95 |
| 15-Year Term Insurance | $25.20 | $18.89 |
| 20-Year Term Insurance | $27.90 | $19.80 |
| 30-Year Term Insurance | $42.75 | $31.05 |
| Permanent Life Insurance | $251.59 | $214.40 |
| Universal Life Insurance | $225.86 | $197.65 |
(Non-smoking female, standard health risk)
| Age | 10-Year Term Insurance | 20-Year Term Insurance | Permanent Life Insurance |
|---|---|---|---|
| 25 years | $12.60 | $19.35 | $168.12 |
| 35 years | $14.40 | $22.05 | $261.10 |
| 45 years | $27.00 | $49.95 | $434.25 |
| 55 years | $74.20 | $150.30 | $663.75 |
| 65 years | $234.51 | $463.95 | $1,282.95 |
(30-year-old female, non-smoker, standard health risk)
| Policy Type | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|---|
| 10-Year Term Insurance | $7.92 | $7.92 | $10.57 | $13.95 | $22.95 |
| 15-Year Term Insurance | $8.75 | $8.46 | $12.60 | $18.89 | $30.60 |
| 20-Year Term Insurance | $9.44 | $9.09 | $12.60 | $19.80 | $32.85 |
| 30-Year Term Insurance | $9.72 | $11.34 | $19.13 | $31.05 | $57.15 |
| Permanent Life Insurance | $29.68 | $50.29 | $114.92 | $214.40 | $406.43 |
| Universal Life Insurance | $29.58 | $48.83 | $108.21 | $197.65 | $372.20 |
.jpg "Ellipse assurances"){kind=logo}
