Life & Mortgage Insurance
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Discover unparalleled financial expertise under one roof at Assurez-vous.
Within our Quebec-based financial insurance group, we bring together 19 leading companies with over 140 years of collective financial experience. We are proud to put this powerful alliance at your disposal, enabling us to offer you unrivalled expertise to guide you to success.
A team that listens to you, tailor-made solutions
At Assurez-vous, we understand that your financial needs are unique. That’s why our dedicated team is here to listen carefully and understand your goals. We offer customized solutions that precisely match your specific needs. Whether you’re a seasoned investor or just beginning your financial journey, we offer ongoing support to ensure your complete peace of mind. Rely on our proven experience and discover the difference we can make for you.
Compare for a better choice
Our team of experienced financial security advisors will compare offers from different insurance companies in Quebec to present you with the most advantageous options adapted to your situation.
Quick and easy
Get an insurance decision in less than an hour. Say goodbye to time-consuming procedures and endless forms. With Assurez-vous, you get reliable protection and a fast decision in less than an hour.
Transparency first and foremost
You'll have access to clear, detailed information on the various insurance options available. We'll explain the benefits and limitations of each plan, so you can make an informed decision with confidence.
Our services
Protect your family
life insurance
Life insurance is an essential financial tool for protecting your loved ones and planning your financial future.
It offers financial security in the event of premature death, replacing lost income and maintaining the beneficiaries’ standard of living. It can also help pay off debts and financial obligations left behind.
It also plays an important role in estate planning, equalizing the distribution of assets and minimizing taxes. Life insurance is a responsible way of protecting your family financially and ensuring that your wishes are respected after your death.
We recommend that you consult a financial security advisor to determine the best life insurance option for your needs and financial situation.
Guaranteed protection
mortgage insurance
Life insurance is an essential financial tool for protecting your loved ones and planning your financial future.
It offers financial security in the event of premature death, replacing lost income and maintaining the beneficiaries’ standard of living. It can also help pay off debts and financial obligations left behind.
It also plays an important role in estate planning, equalizing the distribution of assets and minimizing taxes. Life insurance is a responsible way of protecting your family financially and ensuring that your wishes are respected after your death.
We recommend that you consult a financial security advisor to determine the best life insurance option for your needs and financial situation.
Satisfied customers thanks to our financial security advisors
Frequently asked questions
No, unlike automobile insurance, life insurance is not compulsory. It’s an optional insurance product that you can choose to purchase based on your needs and financial goals. Life insurance is designed to offer financial protection to your beneficiaries in the event of your death. It can be used to replace lost income, pay off debts, cover funeral expenses, fund children’s education, or leave an inheritance. It is particularly useful if you have dependents who rely on your financial support.
The life insurance benefit is paid out tax-free on the death of the insured. This means that the beneficiary will receive the insurance benefit tax-free. There are several strategies for increasing family wealth using insurance products.
The choice between permanent and term life insurance depends on your needs and financial objectives. Here’s an explanation of the features of each type of life insurance to help you make an informed decision:
Term life insurance
| Term life insurance | Term life insurance provides coverage for a specified period, usually 10, 20 or 40 years. |
| Lower premiums | Term life insurance premiums are often lower than those for permanent life insurance, due to the limited duration of coverage. |
| Specific coverage | This is often used to cover temporary needs such as paying off a mortgage, financing children’s education or providing financial protection during a period of high income. |
| No cash value | Term life insurance generally accumulates no cash value or investment component. It offers pure protection in the event of death during the specified period. |
Permanent life insurance
| Coverage for life | Permanent life insurance provides coverage for your entire life, as long as you pay the premiums. |
| Higher premiums | Premiums for permanent life insurance are generally higher than those for term life insurance, due to the lifetime coverage and cash surrender value. |
| Cash surrender value | Permanent life insurance can accumulate a cash value over time, which means you can borrow against it, or withdraw all or part of it. |
| Estate planning and tax planning |
Permanent life insurance premiums are generally higher than term life insurance premiums, due to the lifetime coverage and cash surrender value. |
| Flexibility | It generally offers flexible premium options and the ability to adjust coverage to meet your changing needs over time. |
Premiums vary according to the type of insurance chosen and its characteristics.
The main factors that affect premiums are the age of the insured person, smoking status and state of health.
Premiums vary according to the type of insurance chosen and its characteristics. The main factors that affect premiums are the age of the insured person, smoking status and state of health.
