Term Life Insurance in Quebec
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
Maximum protection at the lowest price. Cover your mortgage and your family for 10, 20 or 30 years. Compare 20+ companies in 2 minutes.
- Terms of 10, 15, 20, 25 or 30 years
- Premiums guaranteed and fixed for the whole term
- From ~$15/month for $250,000
- Convertible to permanent insurance without an exam
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How long should your term life insurance last?
The right term matches the length of your financial obligations.
Ideal for covering a short-term debt or loan, or as a bridge to retirement.
Covers the years while the children grow up and the mortgage gets paid off. An excellent balance between price and protection.
Perfect for young parents with a long mortgage who want to lock in a low rate for many years.
How much does term life insurance cost in 2026?
Real monthly premiums surveyed from the insurers we compare, for 10- or 20-year coverage. Your exact rate depends on your health: ask for it in 2 minutes.
Sample rates: 10-year term life insurance
For a non-smoking woman
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $100,000 | $7.56 | $8.37 | $11.25 | $23.23 | $56.35 |
| $250,000 | $10.35 | $10.35 | $17.10 | $45.67 | $122.88 |
| $500,000 | $13.95 | $15.30 | $27.00 | $73.80 | $234.51 |
| $1,000,000 | $21.15 | $23.85 | $49.05 | $132.66 | $429.38 |
For a non-smoking man
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| $100,000 | $9.45 | $9.45 | $13.77 | $27.99 | $80.46 |
| $250,000 | $13.50 | $13.50 | $23.18 | $61.12 | $180.64 |
| $500,000 | $21.60 | $21.60 | $40.05 | $97.83 | $343.80 |
| $1,000,000 | $35.55 | $35.55 | $74.25 | $188.10 | $606.00 |
* Lowest monthly premium among the 8 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: 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.
Term or permanent: how do you decide?
Choose term life insurance if…
- ✓You have a mortgage or debts to cover
- ✓You have young children who depend on you
- ✓You want maximum protection at the lowest price
- ✓Your needs will decrease over time
Consider permanent life insurance if…
- →You are focused on estate planning
- →You want to leave a guaranteed legacy
- →You are looking for a cash value
- →You have a need that will last your entire life
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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 term life insurance
Term life insurance covers you for a set period — usually 10, 15, 20, 25 or 30 years. If you die during that period, your beneficiaries receive the insured amount, tax-free. It is the most affordable type of life insurance, ideal for covering temporary needs such as a mortgage or dependent children.
The right term matches the length of your financial obligations. Many people choose 20 or 25 years to cover the period while the children grow up and the mortgage gets paid off. A 30-year term makes sense if you are young with a long mortgage. Your advisor helps you match the term to your actual needs.
At the end of the term, you have several options: the policy can renew automatically (at a higher premium), be converted to permanent insurance without a new medical exam, or simply end if you no longer need it. Convertibility is an important advantage to check when choosing a policy.
No. With term life insurance, your premium is guaranteed and fixed for the entire length of the term you choose. A 30-year-old man who takes out a 20-year term will pay exactly the same amount at 30 as at 49. The premium only changes at renewal, after the term ends.
A 30-year-old non-smoking man can get $250,000 of 20-year term coverage for roughly $18 a month. The rate depends on your age, your health, the amount, the term and whether you smoke. Because the gaps between companies are significant, comparing can save you hundreds of dollars a year.
Yes. Most term policies include a conversion option. It lets you convert your term insurance to permanent insurance without taking another medical exam, even if your health has declined. It is valuable security for the future.
Guide to term life insurance in Quebec
Term life insurance is by far the most popular type of life insurance in Quebec, and for good reason: it offers the most protection for the lowest price. The principle is simple — you choose an amount and a length of time (the term), and you are covered for that period. If a death occurs during the term, your loved ones receive the coverage amount, tax-free.
Why is term life insurance so affordable?
Unlike permanent insurance, term insurance has no cash value and no savings component. You pay only for pure protection, which explains its lower cost. It is the ideal tool for covering a specific period of your life: the mortgage years, the time your children depend on you, or the length of a business loan.
Average term life insurance rates (2026)
| Profile | Coverage | Term | Premium/month |
|---|---|---|---|
| Man, 30, non-smoker | $250,000 | 20 years | ~$18/month |
| Woman, 35, non-smoker | $500,000 | 20 years | ~$25/month |
| Man, 40, non-smoker | $500,000 | 30 years | ~$52/month |
| Couple, 35, non-smokers | $500,000 each | 25 years | ~$55/month total |
* Indicative rates based on 2026 Quebec market averages. Actual rates vary with your health profile.
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