About and Disclosure

Our mission

SoumissionVie.ca explains life insurance to Quebecers. Life insurance is one of the few major purchases most people make without ever comparing, partly because the vocabulary is opaque and partly because Québec’s rules differ from what you read elsewhere in Canada.

We publish guides that are clear, backed by numbers and sourced. When you are ready to get real quotes, you request them from an authorized comparison platform — free, and with no obligation. We explain; it is authorized partners who quote you.

Who operates this site

SoumissionVie.ca is operated by Clench Media LLC. The site is an independent information outlet about insurance in Québec. It is not affiliated with any insurer and is not part of any financial group.

How the site is funded (full disclosure)

SoumissionVie.ca is funded by affiliate arrangements: when you request a quote from a partner after clicking one of our links, that partner may pay us compensation. Our main comparison partner is ClicAssure, a Québec platform that passes your request on to authorized insurers and brokers.

Three things to know:

• This compensation never increases the price you pay. Quotes are free and carry no obligation.
• We accept no compensation for speaking well of a particular product. Our guides compare categories of products, not brands.
• You remain entirely free: comparing commits you to nothing.

We would rather write this out plainly than bury it in a terms page. A reader who knows how a site earns its living can judge what they are reading.

What we are not

We are not an insurer, not a firm in insurance of persons, and not a broker. We hold no licence from Québec’s Autorité des marchés financiers (AMF). We do not give personalized advice, and we collect no personal information on this site. Quotes are handled by our partners, on their platforms, under their policies.

In practice, that means you will never find here:

• a price, a premium or an insurance rate, not even as an indication — we have neither the licence nor the data for that;
• a ranking of insurers, or a recommendation naming one company rather than another;
• a quote form on our domain: our buttons take you to the authorized partner, where its privacy policy applies.

For a question that touches on your specific situation, the right person to speak to is a financial security advisor, a notary or a tax specialist, as the case may be. Our guides say so where it matters.

How we check our numbers

Our editorial rules are simple and we hold to them, because an information site that invents numbers is worth nothing.

• Every number is attributed in the sentence. When we cite an amount, a time limit or a threshold, the source is named in the text itself — Retraite Québec, the Autorité des marchés financiers, the Office de la protection du consommateur, Éducaloi, the Chambre des notaires — and listed at the end of the article with the date it was consulted.
• We read the law at the source. When a guide cites the Civil Code of Québec or a Québec statute, the article is checked against LégisQuébec’s official consolidation, not a second-hand summary. It takes longer, and it is the only way to be accurate.
• When we cannot find it, we say so. We have gone looking for a figure that circulates everywhere online and found that no primary source supports it. In that case we write the sentence without the number and explain why, rather than copying out an unverifiable statistic.
• Every guide is dated. The update date appears at the top of each article. Government amounts change from one year to the next: the date tells you what you are dealing with.
• No promises. No one can guarantee your premium or your eligibility before an insurer reviews the file; we will never write otherwise.

Our calculators

Our tools do your own arithmetic: they add up the obligations you enter, subtract the resources you enter, and show you the gap. They run entirely in your browser.

They never calculate a premium, a price or a cost of insurance, and they transmit nothing: no data entered in a calculator reaches us or is recorded. The result is an estimate based on your own numbers, not a quote.

Corrections

If you believe a number, a date or a rule of law is inaccurate in one of our guides, write to us. We check, we correct if necessary, and we update the article’s date. A useful correction is worth more than a page that merely looks current.

Contact us

Questions, corrections, comments: [email protected].