Canada Protection Plan Quote in Quebec
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
Canada Protection Plan is a specialist in no-medical-exam life insurance. Compare with more than 20 companies.
- #1 specialist in no-medical-exam insurance
- No health questions on certain products
- Guaranteed acceptance with guaranteed issue
- Ideal for people with pre-existing conditions
About Canada Protection Plan
Canada Protection Plan (CPP) specializes in guaranteed issue and simplified issue life insurance, with no medical exam required. CPP is especially popular with people who have pre-existing health conditions.
Canada Protection Plan (CPP) is Canada’s leader in no-medical-exam and simplified issue life insurance. Coverage is available up to $500,000 with no medical exam, blood tests or lab work. A subsidiary of Foresters Financial, CPP is ideal for people with pre-existing medical conditions, newcomers to Canada and self-employed workers.
Specialties
Products offered by CPP
- No-medical-exam life insurance (up to $500,000)
- Guaranteed issue life insurance
- Simplified issue life insurance
- Final expense insurance
- Term life insurance with no blood tests
- Permanent life insurance with no lab work
Why consider CPP?
#1 specialist in no-medical-exam insurance
No health questions on certain products
Guaranteed acceptance with guaranteed issue
Ideal for people with pre-existing conditions
Up to $500,000 of coverage with no blood tests
Subsidiary of Foresters Financial — financial strength
Why compare CPP with other insurers?
Even though CPP offers excellent products, rates and coverage vary considerably from one insurer to the next. An independent advisor certified by the AMF can compare CPP 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 Canada Protection Plan is the cheapest in our survey
In our survey of October 30, 2026 among the insurers we compare, Canada Protection Plan offers the lowest monthly premium in 51 of 606 combinations (about 8%), for a non-smoker in Quebec. Here they are, by product.
Permanent life insurance (premiums payable for life)
- Woman, age 70, $50,000$191.97
- Man, age 40, $50,000$49.01
- Man, age 45, $50,000$61.25
- Man, age 55, $50,000$96.44
20-year term critical illness insurance
- Woman, age 35, $50,000$21.60
Critical illness insurance to age 75
- Woman, age 25, $25,000$13.95
- Woman, age 25, $50,000$15.21
- Woman, age 35, $25,000$18.36
- Woman, age 35, $50,000$16.20
- Woman, age 45, $25,000$13.68
- Woman, age 45, $50,000$19.98
- Woman, age 55, $25,000$17.33
- Woman, age 55, $50,000$29.25
- Woman, age 60, $25,000$21.96
- Woman, age 60, $50,000$38.52
- Man, age 25, $25,000$15.23
- Man, age 25, $50,000$17.01
- and 8 more combinations
20-year term life insurance, no medical exam (simplified issue)
- Woman, age 25, $750,000$39.83
- Woman, age 35, $500,000$31.50
- Woman, age 35, $750,000$44.55
- Woman, age 45, $500,000$67.95
- Woman, age 45, $750,000$99.23
- Woman, age 55, $100,000$43.56
- Woman, age 55, $500,000$189.45
- Man, age 25, $500,000$36.45
- Man, age 25, $750,000$51.98
- Man, age 35, $500,000$40.50
- Man, age 35, $750,000$58.05
- Man, age 45, $750,000$139.05
- and 2 more combinations
Guaranteed issue permanent life insurance (no health questions)
- Woman, age 50, $50,000$144.59
- Woman, age 55, $50,000$177.53
- Woman, age 60, $50,000$231.30
- Woman, age 65, $50,000$301.37
- Woman, age 70, $50,000$419.72
- Woman, age 75, $10,000$117.30
- Woman, age 75, $25,000$285.14
- Woman, age 75, $50,000$564.89
- Man, age 50, $50,000$181.62
- Man, age 55, $50,000$229.86
- Man, age 60, $50,000$307.53
- Man, age 65, $50,000$428.31
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
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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 Canada Protection Plan
Guaranteed issue insurance asks no health questions and accepts every applicant. Premiums are higher, but it is an option for those who cannot get coverage any other way.
Yes, Canada Protection Plan offers its products everywhere in Quebec, with service in French. Certified advisors can guide you.
Premiums are generally higher than for standard insurance, because the insurer takes on more risk. Compare your options to find the best balance between coverage and cost.
Yes, CPP specializes in no-medical-exam insurance. Several products are designed for people with pre-existing medical conditions, with guaranteed acceptance or simplified issue options.
Canada Protection Plan is a subsidiary of Foresters Financial. CPP benefits from Foresters’ financial strength while keeping its specialization in no-medical-exam insurance.
Yes, Canada Protection Plan has an office in Quebec to better serve consumers in the province. All products are available in French.
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