Compare Life Insurance Quotes in Quebec
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
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Types of life insurance in Quebec
How much does life insurance cost? It depends on the type of protection, your age and your health. Here are the three types, with a starting rate for a healthy non-smoker. Your advisor will help you choose.
Term Life
Coverage for a fixed period (10, 20 or 30 years). The most affordable way to protect your family during the years that matter most.
Permanent Life
Lifetime protection that builds a cash value. Ideal for estate planning and permanent coverage.
Universal Life
Combines life insurance with investing. Maximum flexibility on premiums and coverage, with growth potential.
Sample life insurance rates for 2026
Real monthly premiums surveyed from the insurers we compare, by age and coverage amount. The form at the top of this page gives you the exact rate for your profile.
Sample rates: 20-year term life insurance
For a non-smoking woman
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $100,000 | $9.36 | $10.08 | $15.93 | $39.56 | $119.79 |
| $250,000 | $12.82 | $14.40 | $29.70 | $83.70 | $248.85 |
| $500,000 | $19.35 | $22.05 | $49.95 | $150.75 | $463.50 |
| $1,000,000 | $31.50 | $36.90 | $91.80 | $284.22 | $846.00 |
For a non-smoking man
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $100,000 | $10.44 | $11.34 | $20.52 | $55.71 | $173.70 |
| $250,000 | $17.10 | $18.68 | $40.95 | $114.71 | $366.75 |
| $500,000 | $27.90 | $29.70 | $69.30 | $207.00 | $661.05 |
| $1,000,000 | $47.70 | $51.30 | $131.40 | $404.10 | $1,272.60 |
* Lowest monthly premium among the 9 insurers surveyed through WinQuote on October 30, 2026, for a non-smoker in good health (standard class) living in Quebec. For guidance only: your rate depends on your health, your habits and the insurer chosen. Get your actual rate.
Sample rates: Permanent life insurance (premiums payable for life)
For a non-smoking woman
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $25,000 | $14.78 | $20.78 | $29.72 | $45.09 | $72.92 |
| $50,000 | $24.76 | $34.36 | $52.24 | $81.23 | $140.45 |
| $100,000 | $40.74 | $59.92 | $95.15 | $145.62 | $264.06 |
| $250,000 | $91.04 | $139.00 | $220.73 | $341.33 | $634.73 |
For a non-smoking man
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $25,000 | $17.23 | $23.55 | $35.01 | $51.28 | $89.86 |
| $50,000 | $28.55 | $39.89 | $61.25 | $96.44 | $170.68 |
| $100,000 | $48.30 | $70.69 | $112.77 | $171.72 | $296.10 |
| $250,000 | $109.94 | $160.73 | $272.25 | $407.03 | $725.63 |
* Lowest monthly premium among the 7 insurers surveyed through WinQuote on October 30, 2026, for a non-smoker in good health (standard class) living in Quebec. For guidance only: your rate depends on your health, your habits and the insurer chosen. Get your actual rate.
Companies compared
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Cost of the service
Why compare your life insurance?
Save big
For the same coverage, prices can be twice as high at one company as at another. Comparing can save you hundreds of dollars a year.
Coverage that fits
An advisor reviews your family and financial situation to recommend the coverage that matches your needs exactly.
A dedicated AMF-certified advisor
Work with an advisor certified by the AMF who guides you from the quote to the day your policy is in force.
Who needs life insurance?
Life insurance adapts to every stage of your life
Young parents
Protect your children’s future and make sure your debts are paid off.
Homeowners
Cover your mortgage so your family can keep the house.
Self-employed workers
With no employee benefits, individual life insurance is your safety net.
Estate planning
Leave a legacy or cover the taxes owed on your assets at death.
How does it work?
Getting an insurance quote has never been easier
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Answer a few questions about your insurance needs in under 2 minutes.
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A certified advisor reviews your profile and contacts you with the best options.
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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)
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Thousands of Quebecers trust us to compare their insurance
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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 Life Insurance in Quebec
Term life insurance covers you for a set period (10, 20 or 30 years) and is generally the more affordable option. Permanent life insurance covers you for your entire life and builds a cash value. The right choice depends on your needs and your budget.
The cost depends on your age, your health, the coverage amount and the type of insurance. A 30-year-old non-smoking man can get $250,000 of 20-year term coverage starting at roughly $15 to $25 a month. That is exactly why comparing matters!
Not always. Some products offer coverage without a medical exam, especially for smaller amounts (up to $100,000 or $250,000 depending on the product). Your advisor can guide you to the best options for your situation.
A common rule of thumb is to cover 10 to 15 times your annual income. But the ideal amount depends on your debts (mortgage, loans), the number of people who depend on you and your financial goals. An advisor can help you calculate the exact amount.
With term life insurance, your premiums are guaranteed for the entire term (10, 20 or 30 years). With permanent (whole) life insurance, premiums are fixed as well. Only renewable term insurance sees its premiums increase at renewal.
There are life insurance products for almost every health situation. Even with pre-existing conditions, an advisor can find suitable options, such as guaranteed issue or simplified issue life insurance.
Life insurance pays a benefit to your beneficiaries, who can use the money however they wish. The bank’s mortgage insurance only pays off the remaining mortgage balance, to the bank. Life insurance offers more flexibility and is often cheaper.
The complete guide to life insurance in Quebec
Life insurance is one of the pillars of financial planning in Quebec. Whether you are a young parent, a homeowner or self-employed, protection tailored to your situation guarantees your loved ones’ financial security if you die prematurely. In Quebec, financial security advisors are regulated by the Autorité des marchés financiers (AMF), which ensures professional, supervised service.
How much does life insurance cost in Quebec in 2026?
The cost of life insurance depends on several factors: your age, your health, whether you smoke, the type of coverage you choose (term, permanent or universal) and the amount insured. For example, a 30-year-old non-smoking man can get $250,000 of 20-year term coverage for roughly $15 to $25 a month. That is why comparing quotes from several companies is essential to get the best rate.
How do you choose between term and permanent life insurance?
Term insurance is ideal when your financial obligations have an end date, such as a mortgage or dependent children. Permanent insurance is better suited to estate planning, tax protection or leaving a legacy. A certified advisor can help you determine which option best fits your family and financial situation.
Life insurance available everywhere in Quebec
Our life insurance comparison service is available in every region of Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Saint-Jean-sur-Richelieu, Repentigny, Brossard, Drummondville, Saint-Jérôme, Granby, Blainville, Rimouski, Saint-Hyacinthe and everywhere across the province. Our advisors, certified by the AMF (Quebec’s Autorité des marchés financiers), help you free of charge, in person or remotely.
Average life insurance rates in Quebec (2026)
| Profile | Coverage | Type | Premium/month |
|---|---|---|---|
| Man, 30, non-smoker | $250,000 | 20-year term | ~$18/month |
| Woman, 35, non-smoker | $500,000 | 20-year term | ~$25/month |
| Man, 40, non-smoker | $100,000 | Permanent (whole life) | ~$55/month |
| Couple, 35, non-smokers | $500,000 each | 20-year term | ~$45/month total |
* Indicative rates based on 2026 Quebec market averages. Actual rates vary with your health profile. Source: comparison of 20+ insurance companies operating in Quebec.
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