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Life insurance · Québec
Understanding life insurance in Québec
Clear guides on the types of coverage, Québec's public plans and estates — with the numbers and the sources. When you're ready, a single request with a licensed partner is enough to receive your quotes.
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Three steps
How it works
You fill out a single request with our licensed comparison partner. The insurers come back to you.
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Complete one request
One simple online form with our licensed comparison partner.
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Receive up to three quotes
Insurers and brokers licensed in Québec come back to you with their prices.
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You choose — or you don't. No obligation, no cost to you.
The Québec context
Three numbers before you choose an amount
What funerals really cost in Québec, and what the public plan covers.
$5,700
Average cost of a funeral at a private funeral home in Québec
Survey by the Corporation des thanatologues du Québec (CTQ)
$2,500
Maximum QPP death benefit, paid in a single payment
Retraite Québec
$3,200
The gap left to fund some other way, at minimum
Calculation: $5,700 minus $2,500, assuming the maximum benefit
Before you request a quote
What you should know
Different products
Term life, permanent life, funeral insurance: each type protects differently. Comparing helps you choose the one that fits your situation.
One single form
Rather than contacting insurers one by one, a single request is enough to receive several quotes.
Our library
Our guides
Clear reference points on life insurance in Québec, the public plans and estates — numbers included, sources cited.
Featured guide
Critical illness, disability or life: three products people confuse
Critical illness insurance pays only if the diagnosis matches the contract's definition. What really separates the three, according to the AMF.
Read the guide →
After a death in Québec: the steps of the first few weeks
One form signed at the funeral home notifies six organizations at once. The order of the steps, the deadlines already running and the documents to obtain.
Is a Life Insurance Death Benefit Taxable in Québec?
The death benefit paid to the beneficiary is tax-free according to Éducaloi. But the QPP death benefit is taxable, and a policy can generate a tax slip.
Your Debts When You Die: What Survives and What Is Extinguished
Your heirs pay no more than what they receive, unless they skip the inventory. What the Civil Code extinguishes at death, and what stays owing.
SME Shareholders: The Agreement, Death and Life Insurance
Without a buy-sell clause, you become the business partner of your co-shareholder's heirs. How life insurance funds the buyout of shares at death.
Turned down by an insurer: what it means and what to do
A refusal is neither final nor without recourse. Your rights of access to your file, the law on genetic tests, and the doors that stay open.
Protecting a Minor Child: Tutorship, Trusts and Designations
Naming your child as beneficiary means handing them the money at 18. What the Civil Code provides, and the tools for framing the money differently.
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