{"id":1222,"date":"2025-07-17T15:34:34","date_gmt":"2025-07-17T13:34:34","guid":{"rendered":"https:\/\/assuranceviecanada.ca\/?page_id=1222"},"modified":"2026-03-20T12:17:29","modified_gmt":"2026-03-20T11:17:29","slug":"assurance-vie-permanente","status":"publish","type":"page","link":"https:\/\/assuranceviecanada.ca\/en\/assurance-vie-permanente\/","title":{"rendered":"Permanent life insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1222\" class=\"elementor elementor-1222\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9500de4 e-flex e-con-boxed e-con e-parent\" data-id=\"9500de4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-83ae031 e-con-full e-flex e-con e-child\" data-id=\"83ae031\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d33bb89 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d33bb89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">life insurance canada<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32f20a4 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"32f20a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Permanent life insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d0e8cc e-flex e-con-boxed e-con e-parent\" data-id=\"9d0e8cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ffb8b42 e-con-full e-flex e-con e-child\" data-id=\"ffb8b42\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfbabbc elementor-widget elementor-widget-shortcode\" data-id=\"bfbabbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2928-o1\" lang=\"fr-FR\" dir=\"ltr\" data-wpcf7-id=\"2928\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/1222#wpcf7-f2928-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulaire de contact\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/en\/wp-json\/wp\/v2\/pages\/1222#wpcf7-f2928-o1\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2928\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"fr_FR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2928-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><label> Your name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Your email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Your phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-202\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"tel-202\" \/><\/span> <\/label>\n<\/p>\n<p><label> types of insurance<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"select-324\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"select-324\"><option value=\"Besoin d\u2019assurance vie temporaire\">Need term life insurance<\/option><option value=\"besoin d\u2019une assurance vie permanente\">need permanent life insurance<\/option><option value=\"besoin d\u2019une assurance participative (avec investissement)\">need participatory insurance (with investment)<\/option><option value=\"besoin d&#039;une assurance hypoth\u00e9caire\">besoin d&#039;une assurance hypoth\u00e9caire<\/option><option value=\"Autres type d\u2019assurance\">Other types of insurance<\/option><\/select><\/span> <\/label>\n<\/p>\n<p><label> Other details (optional)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-257\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-257\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">En cliquant sur le bouton, J'accepte les <a href=\"https:\/\/assuranceviecanada.ca\/en\/politique-de-confidencialite\/\" target=\"_blank\">termes et conditions<\/a>.<\/span><\/label><\/span><\/span><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Compare offers\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b09691 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6b09691\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-hand-point-left\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 220.8C0 266.416 37.765 304 83.2 304h35.647a93.148 93.148 0 0 0 7.929 22.064c-2.507 22.006 3.503 44.978 15.985 62.791C143.9 441.342 180.159 480 242.701 480H264c60.063 0 98.512-40 127.2-40h2.679c5.747 4.952 13.536 8 22.12 8h64c17.673 0 32-12.894 32-28.8V188.8c0-15.906-14.327-28.8-32-28.8h-64c-8.584 0-16.373 3.048-22.12 8H391.2c-6.964 0-14.862-6.193-30.183-23.668l-.129-.148-.131-.146c-8.856-9.937-18.116-20.841-25.851-33.253C316.202 80.537 304.514 32 259.2 32c-56.928 0-92 35.286-92 83.2 0 8.026.814 15.489 2.176 22.4H83.2C38.101 137.6 0 175.701 0 220.8zm48 0c0-18.7 16.775-35.2 35.2-35.2h158.4c0-17.325-26.4-35.2-26.4-70.4 0-26.4 20.625-35.2 44-35.2 8.794 0 20.445 32.712 34.926 56.1 9.074 14.575 19.524 27.225 30.799 39.875 16.109 18.374 33.836 36.633 59.075 39.596v176.752C341.21 396.087 309.491 432 264 432h-21.299c-40.524 0-57.124-22.197-50.601-61.325-14.612-8.001-24.151-33.979-12.925-53.625-19.365-18.225-17.787-46.381-4.95-61.05H83.2C64.225 256 48 239.775 48 220.8zM448 360c13.255 0 24 10.745 24 24s-10.745 24-24 24-24-10.745-24-24 10.745-24 24-24z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d9eb87 elementor-hidden-desktop elementor-hidden-tablet elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4d9eb87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-hand-point-up\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M105.6 83.2v86.177a115.52 115.52 0 0 0-22.4-2.176c-47.914 0-83.2 35.072-83.2 92 0 45.314 48.537 57.002 78.784 75.707 12.413 7.735 23.317 16.994 33.253 25.851l.146.131.148.129C129.807 376.338 136 384.236 136 391.2v2.679c-4.952 5.747-8 13.536-8 22.12v64c0 17.673 12.894 32 28.8 32h230.4c15.906 0 28.8-14.327 28.8-32v-64c0-8.584-3.048-16.373-8-22.12V391.2c0-28.688 40-67.137 40-127.2v-21.299c0-62.542-38.658-98.8-91.145-99.94-17.813-12.482-40.785-18.491-62.791-15.985A93.148 93.148 0 0 0 272 118.847V83.2C272 37.765 234.416 0 188.8 0c-45.099 0-83.2 38.101-83.2 83.2zm118.4 0v91.026c14.669-12.837 42.825-14.415 61.05 4.95 19.646-11.227 45.624-1.687 53.625 12.925 39.128-6.524 61.325 10.076 61.325 50.6V264c0 45.491-35.913 77.21-39.676 120H183.571c-2.964-25.239-21.222-42.966-39.596-59.075-12.65-11.275-25.3-21.725-39.875-30.799C80.712 279.645 48 267.994 48 259.2c0-23.375 8.8-44 35.2-44 35.2 0 53.075 26.4 70.4 26.4V83.2c0-18.425 16.5-35.2 35.2-35.2 18.975 0 35.2 16.225 35.2 35.2zM352 424c13.255 0 24 10.745 24 24s-10.745 24-24 24-24-10.745-24-24 10.745-24 24-24z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d2d9c1 elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2d2d9c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our broker and advisor partners work with the most well-known insurers in Quebec (see list)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5225764 e-con-full e-flex e-con e-child\" data-id=\"5225764\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6cdc841 e-con-full e-flex e-con e-child\" data-id=\"6cdc841\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-63b396b e-con-full e-flex e-con e-child\" data-id=\"63b396b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb31318 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cb31318\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-handshake\" viewbox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M519.2 127.9l-47.6-47.6A56.252 56.252 0 0 0 432 64H205.2c-14.8 0-29.1 5.9-39.6 16.3L118 127.9H0v255.7h64c17.6 0 31.8-14.2 31.9-31.7h9.1l84.6 76.4c30.9 25.1 73.8 25.7 105.6 3.8 12.5 10.8 26 15.9 41.1 15.9 18.2 0 35.3-7.4 48.8-24 22.1 8.7 48.2 2.6 64-16.8l26.2-32.3c5.6-6.9 9.1-14.8 10.9-23h57.9c.1 17.5 14.4 31.7 31.9 31.7h64V127.9H519.2zM48 351.6c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16zm390-6.9l-26.1 32.2c-2.8 3.4-7.8 4-11.3 1.2l-23.9-19.4-30 36.5c-6 7.3-15 4.8-18 2.4l-36.8-31.5-15.6 19.2c-13.9 17.1-39.2 19.7-55.3 6.6l-97.3-88H96V175.8h41.9l61.7-61.6c2-.8 3.7-1.5 5.7-2.3H262l-38.7 35.5c-29.4 26.9-31.1 72.3-4.4 101.3 14.8 16.2 61.2 41.2 101.5 4.4l8.2-7.5 108.2 87.8c3.4 2.8 3.9 7.9 1.2 11.3zm106-40.8h-69.2c-2.3-2.8-4.9-5.4-7.7-7.7l-102.7-83.4 12.5-11.4c6.5-6 7-16.1 1-22.6L367 167.1c-6-6.5-16.1-6.9-22.6-1l-55.2 50.6c-9.5 8.7-25.7 9.4-34.6 0-9.3-9.9-8.5-25.1 1.2-33.9l65.6-60.1c7.4-6.8 17-10.5 27-10.5l83.7-.2c2.1 0 4.1.8 5.5 2.3l61.7 61.6H544v128zm48 47.7c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a78a9a1 elementor-widget elementor-widget-counter\" data-id=\"a78a9a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Assureurs<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"25\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-837afbd e-con-full e-flex e-con e-child\" data-id=\"837afbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca5885d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ca5885d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-list-alt\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm-6 400H54a6 6 0 0 1-6-6V86a6 6 0 0 1 6-6h404a6 6 0 0 1 6 6v340a6 6 0 0 1-6 6zm-42-92v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm0-96v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm0-96v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm-252 12c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36zm0 96c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36zm0 96c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55da323 elementor-widget elementor-widget-counter\" data-id=\"55da323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Submission every year<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"35000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df632c8 e-con-full e-flex e-con e-child\" data-id=\"df632c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d73576b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d73576b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-eye\" viewbox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288 144a110.94 110.94 0 0 0-31.24 5 55.4 55.4 0 0 1 7.24 27 56 56 0 0 1-56 56 55.4 55.4 0 0 1-27-7.24A111.71 111.71 0 1 0 288 144zm284.52 97.4C518.29 135.59 410.93 64 288 64S57.68 135.64 3.48 241.41a32.35 32.35 0 0 0 0 29.19C57.71 376.41 165.07 448 288 448s230.32-71.64 284.52-177.41a32.35 32.35 0 0 0 0-29.19zM288 400c-98.65 0-189.09-55-237.93-144C98.91 167 189.34 112 288 112s189.09 55 237.93 144C477.1 345 386.66 400 288 400z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a57802 elementor-widget elementor-widget-counter\" data-id=\"1a57802\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Visitor every month<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"80000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b228fa e-flex e-con-boxed e-con e-parent\" data-id=\"5b228fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-506656f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"506656f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quels sont les avantages de l\u2019assurance vie permanente au Qu\u00e9bec\u2009?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eedc10 elementor-widget elementor-widget-image\" data-id=\"4eedc10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"820\" height=\"431\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Insurance_Life_Family_Blog_Image_1200x630-v2.jpg\" class=\"attachment-large size-large wp-image-2213\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Insurance_Life_Family_Blog_Image_1200x630-v2.jpg 820w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Insurance_Life_Family_Blog_Image_1200x630-v2-300x158.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Insurance_Life_Family_Blog_Image_1200x630-v2-768x404.jpg 768w\" sizes=\"(max-width: 820px) 100vw, 820px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99a5c67 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"99a5c67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is permanent life insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-164eee7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"164eee7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"125\" data-end=\"287\">In Quebec, life insurance protections are generally divided into two main categories: insurance <strong data-start=\"237\" data-end=\"252\">temporary<\/strong> and the insurance <strong data-start=\"271\" data-end=\"286\">permanent<\/strong>.<\/p><p data-start=\"289\" data-end=\"562\">Permanent life insurance, as the name suggests, guarantees you protection <strong data-start=\"371\" data-end=\"380\">for life<\/strong>. Unlike temporary insurance, it <strong data-start=\"427\" data-end=\"459\">has no expiration date<\/strong> : as long as you comply with the terms of the contract, the coverage is in effect until your death.<\/p><p data-start=\"564\" data-end=\"729\">You can choose to <strong data-start=\"587\" data-end=\"613\">pay lifetime premiums<\/strong>, or opt for a <strong data-start=\"632\" data-end=\"665\">time-limited payment<\/strong> (accelerated payment), while maintaining lifetime coverage.<\/p><p data-start=\"731\" data-end=\"943\">The amount of coverage is determined when the contract is signed. For example, if you choose protection of <strong data-start=\"850\" data-end=\"863\">100 000 $<\/strong>, this amount will be paid to your designated beneficiary at the time of your death.<\/p><p data-start=\"945\" data-end=\"999\">Permanent life insurance is often used for:<\/p><ul data-start=\"1001\" data-end=\"1147\"><li data-start=\"1001\" data-end=\"1035\"><p data-start=\"1003\" data-end=\"1035\">Cover the <strong data-start=\"1015\" data-end=\"1035\">funeral costs<\/strong><\/p><\/li><li data-start=\"1036\" data-end=\"1075\"><p data-start=\"1038\" data-end=\"1075\">Leave a <strong data-start=\"1049\" data-end=\"1061\">legacy<\/strong> to your loved ones<\/p><\/li><li data-start=\"1076\" data-end=\"1147\"><p data-start=\"1078\" data-end=\"1147\">Payer l\u2019<strong data-start=\"1086\" data-end=\"1102\">latent tax<\/strong> on certain assets transferred to your heirs<\/p><\/li><\/ul><p data-start=\"1149\" data-end=\"1325\">In short, this form of insurance constitutes a solution <strong data-start=\"1206\" data-end=\"1232\">durable and secure<\/strong>, highly prized by many Quebec families to ensure their peace of mind.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35a523f elementor-widget elementor-widget-image\" data-id=\"35a523f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"499\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-vie-permanente-768x499-1.jpg\" class=\"attachment-large size-large wp-image-2217\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-vie-permanente-768x499-1.jpg 768w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-vie-permanente-768x499-1-300x195.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea1b6d9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ea1b6d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4 data-start=\"84\" data-end=\"157\">CAN YOU SAVE BY REPLACING YOUR TERM LIFE INSURANCE?<\/h4><p data-start=\"159\" data-end=\"355\">When it comes to choosing life insurance in Quebec, it's surprising to see how many couples, in their prime, are hesitant to opt for term life insurance.<\/p><p data-start=\"357\" data-end=\"669\">Yet, this plan is very affordable and provides high levels of coverage at a low cost. Better still, it can be tailored to family needs by combining protections for certain debts, loans, and even your mortgage\u2014often resulting in substantial savings.<\/p><p data-start=\"671\" data-end=\"819\">Let's take the example of a couple to compare the costs over a 30-year period between term life insurance and permanent life insurance:<\/p><ul data-start=\"821\" data-end=\"1005\"><li data-start=\"821\" data-end=\"940\"><p data-start=\"823\" data-end=\"940\"><strong data-start=\"823\" data-end=\"835\">Profile :<\/strong> Non-smoking woman, in excellent health, 35 years old. Non-smoking man, also in excellent health, 35 years old.<\/p><\/li><li data-start=\"941\" data-end=\"1005\"><p data-start=\"943\" data-end=\"1005\"><strong data-start=\"943\" data-end=\"979\">Desired coverage amount:<\/strong> $100,000 for the couple.<\/p><\/li><\/ul><p data-start=\"1007\" data-end=\"1040\"><strong data-start=\"1007\" data-end=\"1040\">Here are the monthly premiums:<\/strong><\/p><ul data-start=\"1042\" data-end=\"1159\"><li data-start=\"1042\" data-end=\"1101\"><p data-start=\"1044\" data-end=\"1101\"><strong data-start=\"1044\" data-end=\"1074\">Permanent life insurance:<\/strong> 87 $\/month (or 1\u2009044 $\/an).<\/p><\/li><li data-start=\"1102\" data-end=\"1159\"><p data-start=\"1104\" data-end=\"1159\"><strong data-start=\"1104\" data-end=\"1134\">Permanent life insurance:<\/strong> 25 $\/month (or 300 $\/an).<\/p><\/li><\/ul><p data-start=\"1161\" data-end=\"1553\">The difference is obvious: term life insurance offers significant savings. However, few people realize that after 10 years, the policy must be renewed. At that point, your health will need to be reassessed, and your premiums will automatically increase, simply because you're 45. Even if you're still healthy, the costs could nearly double.<\/p><p data-start=\"1555\" data-end=\"1706\">This is where permanent life insurance comes into its own, offering long-term stability that can be beneficial depending on your situation.<\/p><p data-start=\"1708\" data-end=\"1895\">In the rest of this article, you will discover the advantages and limitations of these two types of life insurance, as well as practical tips for saving through portability.<\/p><p data-start=\"1897\" data-end=\"2069\">And if you're already well-informed and want to take action, click the link below to get a free quote from one of our partner brokers!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b59c27 e-con-full e-flex e-con e-child\" data-id=\"1b59c27\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8743150 e-con-full e-flex e-con e-child\" data-id=\"8743150\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de6bb68 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"de6bb68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FIND THE TERM OR PERMANENT LIFE INSURANCE POLICY THAT\u2019S RIGHT FOR YOU!\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e2b224 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7e2b224\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"165\" data-end=\"312\">Fill out this form to receive personalized support from one of our partner brokers, all insurance experts. You'll quickly receive a quote tailored to your needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06c7df4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"06c7df4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/assuranceviecanada.ca\/en\/assurance-vie-permanente\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fill out the form<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ccf15d elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4ccf15d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Which option is best for you: permanent life insurance or term life insurance?\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-316658a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"316658a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"100\" data-end=\"375\">The wide range of life insurance products available can easily be confusing, especially for those new to the field. Should you choose term life insurance or permanent life insurance? Which solution is best suited to your situation?<\/p><p data-start=\"377\" data-end=\"544\">Good news: here you will find a complete overview of the different options available on the market, to help you make an informed choice according to your needs.<\/p><p data-start=\"546\" data-end=\"826\">Life is full of unexpected events, from happy moments to challenging ones. It's therefore essential to take the time to examine the various protections available to ensure your peace of mind. Here are the solutions available to you, clearly explained.<\/p><h3 data-start=\"828\" data-end=\"874\">What is term life insurance?<\/h3><p data-start=\"876\" data-end=\"1206\">This is the most economical option for life insurance, often recommended as a starting point. The amount of your premium depends primarily on the length of your coverage (1, 5, 10, 25, 50, or even 100 years!) as well as personal criteria such as your age, gender, and whether you are a smoker or non-smoker.<\/p><p data-start=\"1208\" data-end=\"1533\">However, don't let its low price fool you! Each renewal requires a new health assessment. As you age or if medical problems arise, your premiums are likely to increase. Therefore, in the long run, permanent life insurance can be more stable and cost-effective.<\/p><p data-start=\"1535\" data-end=\"1753\">That said, term life insurance often addresses short-term needs. It's ideal for covering yourself during a riskier period in your life or protecting your loved ones from temporary debt.<\/p><h3 data-start=\"1755\" data-end=\"1820\">Les diff\u00e9rentes dur\u00e9es offertes en assurance vie temporaire :<\/h3><ul data-start=\"1822\" data-end=\"1915\"><li data-start=\"1822\" data-end=\"1830\"><p data-start=\"1824\" data-end=\"1830\">1 years<\/p><\/li><li data-start=\"1831\" data-end=\"1840\"><p data-start=\"1833\" data-end=\"1840\">3 years<\/p><\/li><li data-start=\"1841\" data-end=\"1850\"><p data-start=\"1843\" data-end=\"1850\">5 years<\/p><\/li><li data-start=\"1851\" data-end=\"1861\"><p data-start=\"1853\" data-end=\"1861\">10 years<\/p><\/li><li data-start=\"1862\" data-end=\"1872\"><p data-start=\"1864\" data-end=\"1872\">25 years<\/p><\/li><li data-start=\"1873\" data-end=\"1883\"><p data-start=\"1875\" data-end=\"1883\">25 years<\/p><\/li><li data-start=\"1884\" data-end=\"1894\"><p data-start=\"1886\" data-end=\"1894\">35 years<\/p><\/li><li data-start=\"1895\" data-end=\"1905\"><p data-start=\"1897\" data-end=\"1905\">50 years<\/p><\/li><li data-start=\"1906\" data-end=\"1915\"><p data-start=\"1908\" data-end=\"1915\">100 years<\/p><\/li><\/ul><p data-start=\"1917\" data-end=\"2150\">If you'd like a quick quote for either term or permanent life insurance, simply follow the link on this page. A partner broker will contact you shortly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f359ea7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f359ea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HERE ARE THE BENEFITS OF TERM LIFE INSURANCE\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69bc64f elementor-widget elementor-widget-image\" data-id=\"69bc64f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"706\" height=\"629\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-121408.jpg\" class=\"attachment-large size-large wp-image-2231\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-121408.jpg 706w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-121408-300x267.jpg 300w\" sizes=\"(max-width: 706px) 100vw, 706px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fa4a31 elementor-widget elementor-widget-image\" data-id=\"1fa4a31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"701\" height=\"578\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-121545.jpg\" class=\"attachment-large size-large wp-image-2232\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-121545.jpg 701w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-121545-300x247.jpg 300w\" sizes=\"(max-width: 701px) 100vw, 701px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f54bad e-con-full e-flex e-con e-child\" data-id=\"7f54bad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a91c981 elementor-widget elementor-widget-text-editor\" data-id=\"a91c981\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"58\" data-end=\"269\">If, after reading everything, you are ready to take out life insurance and work with one of our partners (life insurance brokers), all you have to do is <span style=\"text-decoration: underline;\"><a href=\"https:\/\/assuranceviecanada.ca\/en\/assurance-vie-permanente\/\">fill out the form available on this page<\/a><\/span>.<\/p><p data-start=\"271\" data-end=\"327\"><strong data-start=\"271\" data-end=\"327\">It\u2019s 100% free\u2026 and you won\u2019t regret it!<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5026280 e-con-full e-flex e-con e-child\" data-id=\"5026280\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b6aa7be e-con-full e-flex e-con e-child\" data-id=\"b6aa7be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2dfd7d elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"c2dfd7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who should buy term life insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f98046d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f98046d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"163\" data-end=\"299\">Term life insurance is often chosen to supplement existing coverage. There are several reasons for this choice, including:<\/p><ul data-start=\"301\" data-end=\"827\"><li data-start=\"301\" data-end=\"373\"><p data-start=\"303\" data-end=\"373\">Ensure the maintenance of the standard of living of your loved ones after your death.<\/p><\/li><li data-start=\"374\" data-end=\"452\"><p data-start=\"376\" data-end=\"452\">Set aside a fund for your children's education in case of premature absence.<\/p><\/li><li data-start=\"453\" data-end=\"530\"><p data-start=\"455\" data-end=\"530\">Guarantee the repayment of your debts, including your mortgage.<\/p><\/li><li data-start=\"531\" data-end=\"591\"><p data-start=\"533\" data-end=\"591\">Protect the assets you have acquired over the years.<\/p><\/li><li data-start=\"592\" data-end=\"668\"><p data-start=\"594\" data-end=\"668\">Cover your personal debts (credit cards, student loans, etc.).<\/p><\/li><li data-start=\"669\" data-end=\"748\"><p data-start=\"671\" data-end=\"748\">Leave a blanket for your children to protect them from an unexpected tragedy.<\/p><\/li><li data-start=\"749\" data-end=\"827\"><p data-start=\"751\" data-end=\"827\">Provide financial protection for your business in the event of a serious accident.<\/p><\/li><\/ul><p data-start=\"829\" data-end=\"1295\">Many experts, including financial planners, recommend term life insurance for periods of 10 to 20 years. They appreciate its affordability, its fixed term, and the ability to adjust coverage over time. Your insurance needs evolve: once the mortgage is paid off, your investment accounts (such as your TFSA and RRSP) are fully funded, and your children become independent, your financial obligations decrease.<\/p><p data-start=\"1297\" data-end=\"1584\">Also consider converting your term life insurance to permanent life insurance without having to retake a medical exam. This allows you to avoid the hassle of renewal while maintaining long-term protection tailored to your situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67224d7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"67224d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"81\" data-end=\"136\"><strong data-start=\"81\" data-end=\"136\">Second, let's talk about permanent life insurance<\/strong><\/p><p data-start=\"138\" data-end=\"400\">Permanent life insurance provides lifetime coverage, ensuring lasting financial protection for your loved ones, even after you're gone. It's an essential part of your estate and provides peace of mind for those around you.<\/p><p data-start=\"402\" data-end=\"762\">This form of insurance is a real shield: once purchased, it stays with you until the end of your life (some policies, however, set a maximum age for payments). Premiums remain constant throughout the contract, although they are generally higher at the beginning compared to those of term life insurance.<\/p><p data-start=\"764\" data-end=\"975\">Permanent life insurance also stands out for its flexibility. It can be enhanced with additional guarantees, specific clauses, and personalized options, making it even more advantageous.<\/p><p data-start=\"977\" data-end=\"1071\"><strong data-start=\"977\" data-end=\"1071\">What is the difference between permanent life insurance and universal life insurance?<\/strong><\/p><p data-start=\"1073\" data-end=\"1197\">Permanent life insurance comes in two main types: whole life insurance and universal life insurance.<\/p><p data-start=\"1199\" data-end=\"1448\">If you want to add an investment dimension to your policy, universal life insurance is the best option. It allows you to build an investment portfolio with fixed or variable premiums, depending on the type of policy.<\/p><p data-start=\"1450\" data-end=\"1577\"><strong data-start=\"1450\" data-end=\"1485\">Would you like to know more?<\/strong><br data-start=\"1485\" data-end=\"1488\" \/>Do not hesitate to contact one of our partner brokers specializing in life insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c61865 elementor-widget elementor-widget-image\" data-id=\"5c61865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"706\" height=\"558\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123257.jpg\" class=\"attachment-large size-large wp-image-2252\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123257.jpg 706w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123257-300x237.jpg 300w\" sizes=\"(max-width: 706px) 100vw, 706px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44db9b6 elementor-widget elementor-widget-image\" data-id=\"44db9b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"699\" height=\"554\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123335.jpg\" class=\"attachment-large size-large wp-image-2253\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123335.jpg 699w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123335-300x238.jpg 300w\" sizes=\"(max-width: 699px) 100vw, 699px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-069399b elementor-widget elementor-widget-image\" data-id=\"069399b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"703\" height=\"390\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123409.jpg\" class=\"attachment-large size-large wp-image-2254\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123409.jpg 703w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-123409-300x166.jpg 300w\" sizes=\"(max-width: 703px) 100vw, 703px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bcccbd1 e-con-full e-flex e-con e-child\" data-id=\"bcccbd1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-418f215 e-con-full e-flex e-con e-child\" data-id=\"418f215\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7510a91 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7510a91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Understanding Cash Surrender Value in Permanent Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23cb6e2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"23cb6e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"163\" data-end=\"501\"><strong data-start=\"163\" data-end=\"234\">What is \u201ccash surrender value\u201d in permanent life insurance?<\/strong><br data-start=\"234\" data-end=\"237\" \/>This is the amount you can recover if you decide to terminate your permanent life insurance policy. In other words, this value represents a cash return you can collect after paying premiums for several years.<\/p><p data-start=\"503\" data-end=\"744\">Once you've been contributing for a while, an amount\u2014often significant and sometimes in the thousands of dollars\u2014accumulates and appears on your annual statement. This is called the cash surrender value.<\/p><h3 data-start=\"746\" data-end=\"808\">How can this cash surrender value help you?<\/h3><p data-start=\"810\" data-end=\"1231\">Cash surrender value can be a real lifeline in the event of financial difficulties. In exchange for canceling your policy, the insurance company will return this amount to you (subject to tax), which also allows them to avoid having to honor the entire initial coverage. This is why it is essential to think carefully before canceling your permanent life insurance.<\/p><p data-start=\"1233\" data-end=\"1361\">You will receive a lump sum, but this also means that all your protections will disappear permanently.<\/p><h3 data-start=\"1363\" data-end=\"1427\">When should you consider buying back your permanent life insurance?<\/h3><p data-start=\"1429\" data-end=\"1505\">Here are some situations where a buyout may be a possible solution:<\/p><ul data-start=\"1507\" data-end=\"1979\"><li data-start=\"1507\" data-end=\"1651\"><p data-start=\"1509\" data-end=\"1651\"><strong data-start=\"1509\" data-end=\"1548\">In case of urgent financial problem<\/strong> : for example, if you need cash quickly and have been refused a personal loan.<\/p><\/li><li data-start=\"1652\" data-end=\"1824\"><p data-start=\"1654\" data-end=\"1824\"><strong data-start=\"1654\" data-end=\"1712\">When you have other sufficient insurance<\/strong> : If another coverage already meets your financial needs, you may consider dropping the first one.<\/p><\/li><li data-start=\"1825\" data-end=\"1979\"><p data-start=\"1827\" data-end=\"1979\"><strong data-start=\"1827\" data-end=\"1867\">If insurance is no longer necessary<\/strong> : when your savings or investments have become sufficient to compensate for the loss of this protection.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01ae2b0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"01ae2b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"68\" data-end=\"135\">Discover the rates for term and permanent life insurance<\/h2><p data-start=\"137\" data-end=\"415\">To get an idea of the prices of term life insurance premiums in Quebec, here is a comparative table with some examples (note that this data is indicative and was generated in 2018 using an online tool; it does not constitute official figures).<\/p><p data-start=\"417\" data-end=\"616\">Compare offers from more than 20 life insurance companies now and fill out the form on this page to receive a personalized quote from a partner broker!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a091566 elementor-widget elementor-widget-image\" data-id=\"a091566\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"765\" height=\"620\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-124015.jpg\" class=\"attachment-large size-large wp-image-2265\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-124015.jpg 765w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-124015-300x243.jpg 300w\" sizes=\"(max-width: 765px) 100vw, 765px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-425e536 elementor-widget elementor-widget-image\" data-id=\"425e536\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"524\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-124054.jpg\" class=\"attachment-large size-large wp-image-2269\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-124054.jpg 800w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-124054-300x197.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-25-124054-768x503.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c49c409 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c49c409\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"80\" data-end=\"154\"><strong data-start=\"80\" data-end=\"154\">How to evaluate the cost of permanent or term life insurance?<\/strong><\/p><p data-start=\"156\" data-end=\"171\"><strong data-start=\"156\" data-end=\"171\">Example 1 :<\/strong><\/p><p data-start=\"173\" data-end=\"370\">Let's say you buy term life insurance at age 35 and you're a healthy male smoker. Your monthly premiums are $24.90 for a 10-year term.<\/p><p data-start=\"372\" data-end=\"552\">At age 45, your premiums increase to at least $61.15, and a new medical exam is required. Still in good health, you decide to keep your term life insurance.<\/p><p data-start=\"554\" data-end=\"620\">At age 55, your premiums jump to $140.85 upon renewal.<\/p><p data-start=\"622\" data-end=\"770\">As you approach 65, you realize that converting to permanent life insurance would be advantageous, particularly to avoid medical exams.<\/p><p data-start=\"772\" data-end=\"830\">In total, you will have paid $27,228 in premiums over 30 years.<\/p><p data-start=\"832\" data-end=\"988\">If you had chosen permanent life insurance with cash value from the start, the monthly cost would have been $78.75, or $28,350 over 30 years.<\/p><p data-start=\"990\" data-end=\"1131\">In this case, your good health has saved you about $1,000 over 30 years, making term insurance a good choice.<\/p><hr data-start=\"1133\" data-end=\"1136\" \/><p data-start=\"1138\" data-end=\"1153\"><strong data-start=\"1138\" data-end=\"1153\">Example 2 :<\/strong><\/p><p data-start=\"1155\" data-end=\"1322\">Let's imagine a non-smoking, healthy woman who buys term life insurance at age 30. For $100,000 of coverage, she pays $10.75 per month.<\/p><p data-start=\"1324\" data-end=\"1448\">She keeps this insurance for 40 years, until age 70, and remains in good health. In total, she will have paid $15,216.<\/p><p data-start=\"1450\" data-end=\"1546\">However, a serious illness occurs, ending his insurance at the next renewal.<\/p><p data-start=\"1548\" data-end=\"1676\">If she had chosen permanent life insurance, she would have paid $14,280 over the same period, with fixed premiums for life.<\/p><p data-start=\"1678\" data-end=\"1837\">Here, permanent life insurance is the best option, as it allows you to save after age 70 and also offers a cash surrender value, a real asset.<\/p><hr data-start=\"1839\" data-end=\"1842\" \/><p data-start=\"1844\" data-end=\"1859\"><strong data-start=\"1844\" data-end=\"1859\">Example 3 :<\/strong><\/p><p data-start=\"1861\" data-end=\"2016\">You are a 45-year-old non-smoker who chooses term life insurance, while your twin brother chooses permanent life insurance.<\/p><p data-start=\"2018\" data-end=\"2084\">Your monthly premiums are $25.45 and $84.85 respectively.<\/p><p data-start=\"2086\" data-end=\"2216\">Seven years later, you develop cancer, as does your brother. After two years of treatment, you are both cured.<\/p><p data-start=\"2218\" data-end=\"2353\">On the renewal date, your insurer refuses to extend your contract, while your brother keeps his without any problem.<\/p><p data-start=\"2355\" data-end=\"2460\">You find yourself without protection, which compromises your financial future and that of your family.<\/p><p data-start=\"2462\" data-end=\"2517\">Your brother, on the other hand, has better security.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71c5975 e-flex e-con-boxed e-con e-parent\" data-id=\"71c5975\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c60e32 elementor-widget elementor-widget-text-editor\" data-id=\"6c60e32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>FAQ<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab6d3f6 elementor-widget elementor-widget-heading\" data-id=\"ab6d3f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b985acf elementor-widget elementor-widget-accordion\" data-id=\"b985acf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1941\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1941\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qu\u2019est-ce qu\u2019Assurance Vie Canada ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1941\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1941\"><p>C\u2019est une plateforme qui vous met en relation avec des courtiers en assurance pour comparer des offres d\u2019assurance vie.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f90cb3 elementor-widget elementor-widget-accordion\" data-id=\"8f90cb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1501\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1501\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Comment fonctionne votre service ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1501\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1501\"><p>Vous remplissez un formulaire en ligne, un courtier vous contacte, puis vous comparez les offres pour choisir la meilleure.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56fadcc elementor-widget elementor-widget-accordion\" data-id=\"56fadcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9121\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9121\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Est-ce que ce service est gratuit pour les utilisateurs ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9121\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9121\"><p>Oui, le service est 100 % gratuit pour les clients et sans frais cach\u00e9s.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22a207f elementor-widget elementor-widget-accordion\" data-id=\"22a207f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3631\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3631\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quels types d\u2019assurance offrez-vous ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3631\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-3631\"><p>Nous aidons \u00e0 trouver les meilleures assurances vie temporaire, permanente, maladies graves et autres protections via nos courtiers partenaires.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9130f9c elementor-widget elementor-widget-accordion\" data-id=\"9130f9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1521\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1521\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Comment puis-je obtenir un devis ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1521\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1521\"><p>Remplissez simplement le formulaire de demande de devis et un courtier vous contactera rapidement.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6ce288 elementor-widget elementor-widget-accordion\" data-id=\"f6ce288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2581\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2581\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Puis-je recevoir plusieurs devis ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2581\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2581\"><p>Oui, le courtier peut vous proposer diff\u00e9rentes options de plusieurs assureurs.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Assurance vie canada Assurance vie permanente Nos partenaires courtiers et conseillers travaillent avec les assureurs les plus connues au Qu\u00e9bec (voir la liste) Assureurs 0 + Soumission chaque ann\u00e9e 0 + Visiteur chaque mois 0 + Quels sont les avantages de l\u2019assurance vie permanente au Qu\u00e9bec\u2009? Qu\u2019est-ce que l\u2019assurance vie permanente ? Au Qu\u00e9bec, les [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-1222","page","type-page","status-publish","hentry"],"blocksy_meta":{"has_hero_section":"disabled","styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"aioseo_notices":[],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"Compareur Assurance vie","author_link":"https:\/\/assuranceviecanada.ca\/en\/author\/assuranceviecanada1gmail-com\/"},"rttpg_comment":1,"rttpg_category":null,"rttpg_excerpt":"Assurance vie canada Assurance vie permanente Nos partenaires courtiers et conseillers travaillent avec les assureurs les plus connues au Qu\u00e9bec (voir la liste) Assureurs 0 + Soumission chaque ann\u00e9e 0 + Visiteur chaque mois 0 + Quels sont les avantages de l\u2019assurance vie permanente au Qu\u00e9bec\u2009? Qu\u2019est-ce que l\u2019assurance vie permanente ? Au Qu\u00e9bec, les&hellip;","_links":{"self":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/comments?post=1222"}],"version-history":[{"count":91,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1222\/revisions"}],"predecessor-version":[{"id":21700,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1222\/revisions\/21700"}],"wp:attachment":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/media?parent=1222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}