Beneva Insurance Quote in Quebec
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
Beneva, born from the merger of La Capitale and SSQ Insurance, is one of the largest insurers in Quebec. Compare its products with those of more than 20 other companies.
- Largest mutual insurance group in Canada
- Strong presence in Quebec with service in French
- Wide range of individual and group products
- Competitive rates thanks to the mutual model
About Beneva
Beneva is the largest mutual insurance group in Canada, created by the 2020 merger of La Capitale and SSQ Insurance. With more than 3.5 million members and clients, Beneva offers a complete range of life and health insurance and property and casualty products. Its head office is in Quebec City.
Formed from the merger of La Capitale (founded in 1940) and SSQ Insurance (founded in 1944), Beneva is a mutual: it belongs to its members, not to shareholders. That translates into competitive rates and service built around your needs. With a presence in more than 50 regions of Quebec, Beneva offers life and health insurance and property and casualty insurance under one roof.
Specialties
Products offered by Beneva
- 10-, 20- and 30-year term life insurance
- Permanent life insurance (whole and universal)
- Short- and long-term disability insurance
- Critical illness insurance
- Mortgage insurance
- Auto and home insurance
- Group insurance plans
Why consider Beneva?
Largest mutual insurance group in Canada
Strong presence in Quebec with service in French
Wide range of individual and group products
Competitive rates thanks to the mutual model
Life and health plus property and casualty insurance under one roof
Network spanning more than 50 regions of Quebec
Why compare Beneva with other insurers?
Even though Beneva offers excellent products, rates and coverage vary considerably from one insurer to the next. An independent advisor certified by the AMF can compare Beneva with more than 20 other companies to make sure you get the best coverage at the best rate.
Our partner insurers
We compare products from more than 16 insurance companies to bring you the best options at the best price
All our advisors are certified by the Autorité des marchés financiers (AMF)
Where Beneva is the cheapest in our survey
In our survey of October 30, 2026 among the insurers we compare, Beneva offers the lowest monthly premium in 80 of 606 combinations (about 13%), for a non-smoker in Quebec. Here they are, by product.
20-year term life insurance
- Woman, age 35, $500,000$22.05
- Woman, age 40, $500,000$32.40
- Woman, age 45, $500,000$49.95
- Woman, age 50, $500,000$81.00
- Man, age 30, $100,000$10.98
25-year term life insurance (mortgage)
- Woman, age 30, $200,000$14.76
- Woman, age 45, $200,000$36.00
- Man, age 30, $200,000$18.90
- Man, age 35, $200,000$22.32
- Man, age 35, $500,000$42.30
- Man, age 45, $300,000$67.50
Permanent life insurance (premiums payable for life)
- Woman, age 50, $50,000$65.61
- Woman, age 50, $100,000$118.89
- Woman, age 50, $250,000$288.90
- Woman, age 55, $50,000$81.23
- Woman, age 55, $100,000$145.62
- Woman, age 55, $250,000$341.33
- Woman, age 60, $25,000$55.91
- Woman, age 60, $50,000$101.84
- Woman, age 60, $100,000$195.39
- Woman, age 60, $250,000$463.05
- Woman, age 65, $25,000$72.92
- Woman, age 65, $50,000$140.45
- and 19 more combinations
Permanent life insurance, age 50 and over
- Woman, age 50, $100,000$118.89
- Woman, age 55, $100,000$145.62
- Woman, age 60, $25,000$55.91
- Woman, age 60, $100,000$195.39
- Woman, age 65, $25,000$72.92
- Woman, age 65, $100,000$264.06
- Woman, age 70, $100,000$350.82
- Woman, age 75, $100,000$484.83
- Man, age 50, $100,000$135.45
- Man, age 55, $100,000$171.72
- Man, age 60, $25,000$68.47
- Man, age 65, $100,000$296.10
- and 2 more combinations
20-year term critical illness insurance
- Woman, age 45, $50,000$38.97
- Woman, age 45, $100,000$68.67
- Woman, age 45, $150,000$100.31
- Woman, age 55, $100,000$137.52
- Woman, age 55, $150,000$203.58
- Man, age 55, $25,000$55.67
- Man, age 55, $50,000$104.63
- Man, age 55, $100,000$185.31
- Man, age 55, $150,000$275.27
20-year term life insurance, no medical exam (simplified issue)
- Woman, age 25, $500,000$26.55
- Woman, age 55, $50,000$28.31
- Man, age 45, $500,000$93.60
- Man, age 55, $50,000$38.34
Permanent life insurance, no medical exam (simplified issue)
- Woman, age 25, $100,000$53.01
- Woman, age 35, $100,000$75.78
- Man, age 25, $100,000$61.02
- Man, age 65, $25,000$100.35
- Man, age 65, $50,000$194.80
Guaranteed issue permanent life insurance (no health questions)
- Woman, age 80, $10,000$181.94
- Woman, age 80, $25,000$448.11
- Man, age 70, $50,000$568.76
- Man, age 75, $10,000$169.09
- Man, age 80, $10,000$224.62
- Man, age 80, $25,000$554.80
Lowest monthly premium among the insurers surveyed through WinQuote, standard class or simplified issue depending on the product. For guidance only: your rate depends on your profile. Get your actual rate.
Google reviews from our clients
Thousands of Quebecers trust us to compare their insurance
Back to the form: 2 minutes, no obligation.
The team behind the service
A small team that serves clients everywhere in Quebec. The person who calls you back works here.
Services financiers Finox inc.: an independent firm
A Quebec financial services firm registered with the Autorité des marchés financiers, based in Mascouche, independent from the insurers. 268 Google reviews, rated 5.0. Your information is used only to prepare your quotes; one person from our team calls you back.
Dany MichaudPartnerAMF no. 243405
Evan Juteau LapierrePartner and senior brokerAMF no. 260856
Étienne LejeuneSenior brokerAMF no. 250008
Alexandre ClémentAssociate advisorAMF no. 250201
Mathis Aubin SavardAdvisorAMF no. 277477
Cédric SénéchalDirector of strategic development and marketing
Kim CôtéProperty and casualty insurance
Zavier BinetteIntern
Émie BélangerAdvisor assistant
Jessica Archambault-LeonaSocial media manager
Questions about Beneva
Yes. Beneva is the largest mutual insurer in Canada. Born from the merger of La Capitale and SSQ, two well-established Quebec companies, Beneva offers competitive products and excellent service in French.
Beneva offers life insurance (term and permanent), disability insurance, critical illness insurance and mortgage insurance, as well as group plans and property and casualty insurance.
Fill out our free form in 2 minutes. An advisor certified by the AMF will compare Beneva’s products with those of more than 20 other companies to find you the best offer.
Yes. Beneva is one of the few insurers in Quebec to offer both property and casualty insurance (auto, home) and life and health insurance (life, disability, critical illness) under the same banner. Bundling may qualify you for multi-product discounts.
Yes. Every policy taken out with La Capitale or SSQ Insurance remains fully in force. Beneva ensures the continuity of all existing coverage.
Yes, Beneva is the largest mutual insurer in Canada. It has no shareholders to pay: profits are reinvested for the benefit of members, which often translates into competitive rates.
Compare Beneva with 20+ insurers
Get your free, no-obligation quote in 2 minutes.
Get my quote🔒 Free, confidential and with no obligation whatsoever