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Our online individual insurance quote requests are available to non-smoking applicants aged 65 and under, with no health condition to declare. You will be redirected to the home page.
Fill out the form in about two minutes. I compare products from several insurers based on your situation and get back to you with a personalized quote, free and with no obligation.
Affordable coverage for a set period (10, 20 or 30 years, for example), ideal while children are dependent or the mortgage is running.
Whole or universal life: lifetime coverage with a cash value or savings component, depending on the product.
Replaces part of your income if illness or injury keeps you from working.
Pays a lump sum upon diagnosis of a covered illness (such as cancer, heart attack or stroke), subject to the policy terms.
Coverage you own, with the benefit paid to your beneficiaries rather than to the lender.
For businesses: group insurance, group RRSP, VRSP and other savings plans for your employees.
A benefit paid to an employee's family in the event of death or accidental dismemberment.
Replacement income for an employee who can no longer work due to illness or injury.
Drugs, health professionals, vision and dental care, depending on the plan chosen.
Confidential support for mental health, finances or family life for your employees.
Retirement savings through payroll deduction, with or without an employer contribution.
Review of the plan's experience and re-marketing when needed.
Nothing. The quote is free and carries no obligation. You then decide freely whether you want to go ahead.
An insurer only presents its own products. As a financial security advisor, I can compare products from several insurers and recommend the one that best fits your needs and budget.
The online form is for non-smokers aged 65 and under with no health condition to declare. If that is not your case, call me at 438 889-6474: several options may still be available and we will review them together.
Your contact details, date of birth, the type of insurance you are looking for and a few questions about smoking status and health. This information allows the premium to be estimated accurately.
It depends on the insurer, the amount of coverage and your age. Some coverage only requires a questionnaire. I explain each insurer's requirements before you make a decision.
Yes. Your personal information is used only to prepare your quote and is handled confidentially, in accordance with Quebec's Law 25 on the protection of personal information.
Several insurers offer plans to small businesses with just a few employees. Eligibility conditions vary from one insurer to another: I show you the options available for the size of your team.
In Quebec, an employer with at least five eligible employees that does not already offer an eligible retirement savings plan through payroll deduction must offer a VRSP. A group RRSP can, under certain conditions, meet this obligation.
Generally, premiums and contributions paid by the employer are deductible for the business. In Quebec, however, the employer-paid portion of health and life insurance is a taxable benefit for the employee. Your accountant can confirm the tax treatment for your situation.
In many plans, part of the coverage is granted without evidence of insurability up to a certain amount. Above that, the insurer may require a questionnaire. I explain the rules of each proposal.
Ideally 60 to 90 days before the renewal date or the desired start date, to give insurers time to respond and you time to compare.
Yes. I compare your coverage, premiums and fees with what other insurers offer, and tell you frankly whether a change is worth it.
Sun vacation, visiting family abroad, studies or business travel: Quebec's public plan reimburses only a small part of emergency care received outside Canada. Travel insurance covers those costs, and often trip cancellation or interruption. I compare our partners' coverage for you.
Our travel insurance partners
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Our other coverage
Group insurance (life, disability, health and dental) and group retirement savings (group RRSP, VRSP, DPSP). A well-designed plan helps attract and keep employees, and employer contributions are generally deductible.
Our partners
An advisor will reply, free and without obligation.
Whole life insurance protects your family for life and builds a guaranteed cash surrender value. Participating policies may also pay annual dividends, which are not guaranteed.
Our partners
An advisor will reply, free and without obligation.
Universal life separates the cost of coverage from the savings component, which grows tax-sheltered within permitted limits. You adjust deposits to your budget and choose your investment options.
Our partners
An advisor will reply, free and without obligation.
Individual mortgage insurance belongs to you: the benefit is paid to your beneficiaries, who decide how to use it, and the coverage follows you if you change lenders. Compare it with the bank's offer before you sign.
Our partners
An advisor will reply, free and without obligation.