Insurance Guides and Resources
Everything you need to know about insurance in Quebec to make informed decisions and protect your family.
Our complete guides
Insurance Rates in Quebec in 2026: The Rate Barometer
Real monthly premiums from 19 insurers, by product, age and coverage amount, surveyed every month. Life, no medical exam, mortgage, critical illness, disability.
How Much Does Life Insurance Cost After 50? Real Rates, and the Three Ways In
Real premiums from age 50 to 70, with or without a medical exam, and how to choose between standard underwriting, simplified issue and guaranteed issue.
Term or Permanent: The Tipping Point by Age
Rates side by side at ages 25, 35, 45, 55 and 65, the true cost over twenty years, and the simple rule that settles it.
The Bank’s Mortgage Insurance: What They Don’t Tell You
Six differences that matter, the real premiums of individual coverage, and the steps to switch without ever being left uncovered.
How to Choose Your Life Insurance in Quebec
A complete guide to the differences between term, permanent and universal life insurance. Learn how to determine the coverage amount you need.
Mortgage Insurance: Bank vs. Private
Find out why private mortgage insurance is often 30 to 50% cheaper than the bank’s and offers better coverage.
Protecting Your Income: A Guide to Disability Insurance
Understand why 1 worker in 3 will become disabled before age 65 and how disability insurance protects your greatest asset: your ability to earn an income.
Critical Illness Insurance: Standard vs. Return of Premium
Everything you need to know about critical illness insurance, the 100% return-of-premium option (Épargne Santé) and the 25+ conditions covered.
Final Expense Insurance: Protect Your Loved Ones
How final expense insurance covers funeral costs and protects your loved ones from an unexpected financial burden.
MEDIC Construction (CCQ) Top-Up
A guide for construction workers: understand your MEDIC coverage and how to top it up with individual disability insurance.
4 essential tips to get the right insurance
Always compare
For the same coverage, rates can be twice as high at one company as at another.
Buy young
The younger and healthier you are, the lower your premiums — and they are guaranteed.
Consult an AMF-certified broker
An independent certified broker compares offers from 20+ companies, unlike a bank agent.
Review every year
Your needs change (marriage, children, a house). Review your coverage every year.
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