{"id":1223,"date":"2025-07-17T15:34:55","date_gmt":"2025-07-17T13:34:55","guid":{"rendered":"https:\/\/assuranceviecanada.ca\/?page_id=1223"},"modified":"2026-03-20T21:57:27","modified_gmt":"2026-03-20T20:57:27","slug":"assurance-hypothecaire","status":"publish","type":"page","link":"https:\/\/assuranceviecanada.ca\/en\/assurance-hypothecaire\/","title":{"rendered":"Mortgage insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1223\" class=\"elementor elementor-1223\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bcc8c7 e-flex e-con-boxed e-con e-parent\" data-id=\"6bcc8c7\" 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-4ab4072 e-con-full e-flex e-con e-child\" data-id=\"4ab4072\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5e8d8 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5e5e8d8\" 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\">Assurance vie canada<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e7c7ad elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4e7c7ad\" 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\">Assurance vie Hypoth\u00e9caire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e223ea elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7e223ea\" 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-fas-arrow-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 137-111 248-248 248S8 393 8 256 119 8 256 8s248 111 248 248zm-143.6-28.9L288 302.6V120c0-13.3-10.7-24-24-24h-16c-13.3 0-24 10.7-24 24v182.6l-72.4-75.5c-9.3-9.7-24.8-9.9-34.3-.4l-10.9 11c-9.4 9.4-9.4 24.6 0 33.9L239 404.3c9.4 9.4 24.6 9.4 33.9 0l132.7-132.7c9.4-9.4 9.4-24.6 0-33.9l-10.9-11c-9.5-9.5-25-9.3-34.3.4z\"><\/path><\/svg>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fdee40e e-flex e-con-boxed e-con e-parent\" data-id=\"fdee40e\" 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-8570aca e-con-full e-flex e-con e-child\" data-id=\"8570aca\" 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-48d31a1 elementor-widget elementor-widget-shortcode\" data-id=\"48d31a1\" 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\/1223#wpcf7-f2928-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulaire de contact\" novalidate=\"novalidate\" data-status=\"init\">\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> Votre nom<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> Votre e-mail<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> Votre num\u00e9ro de t\u00e9lephone<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> Les types d'assurance :<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\">Besoin d\u2019assurance vie temporaire<\/option><option value=\"besoin d\u2019une assurance vie permanente\">besoin d\u2019une assurance vie permanente<\/option><option value=\"besoin d\u2019une assurance participative (avec investissement)\">besoin d\u2019une assurance participative (avec investissement)<\/option><option value=\"besoin d&#039;une assurance hypoth\u00e9caire\">besoin d&#039;une assurance hypoth\u00e9caire<\/option><option value=\"Autres type d\u2019assurance\">Autres type d\u2019assurance<\/option><\/select><\/span> <\/label>\n<\/p>\n<p><label> Autres d\u00e9tails (facultatif)<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\/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=\"Comparer les offres\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/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-1ba6870 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1ba6870\" 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-3849367 elementor-hidden-desktop elementor-hidden-tablet elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3849367\" 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-ac40331 elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ac40331\" 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>Nos partenaires courtiers et conseillers travaillent avec les assureurs les plus connues au Qu\u00e9bec (voir la liste)<\/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-1c2df13 e-con-full e-flex e-con e-child\" data-id=\"1c2df13\" 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-d01c15f e-con-full e-flex e-con e-child\" data-id=\"d01c15f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-91afbeb e-con-full e-flex e-con e-child\" data-id=\"91afbeb\" 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-e1898f4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e1898f4\" 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-3b5f749 elementor-widget elementor-widget-counter\" data-id=\"3b5f749\" 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-73abed5 e-con-full e-flex e-con e-child\" data-id=\"73abed5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-489fae0 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"489fae0\" 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-d364b5d elementor-widget elementor-widget-counter\" data-id=\"d364b5d\" 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\">Soumission chaque ann\u00e9e<\/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-bebe7e4 e-con-full e-flex e-con e-child\" data-id=\"bebe7e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96dca7f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"96dca7f\" 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-f77641b elementor-widget elementor-widget-counter\" data-id=\"f77641b\" 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\">Visiteur chaque mois<\/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-ad32baa e-con-full e-flex e-con e-child\" data-id=\"ad32baa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4809acd elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4809acd\" 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\">Combien co\u00fbte une assurance hypoth\u00e9caire au Qu\u00e9bec en 2025 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a38e7b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3a38e7b\" 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=\"134\" data-end=\"402\">C\u2019est une question que se posent de nombreux Qu\u00e9b\u00e9cois, et \u00e0 juste titre ! Chaque ann\u00e9e, des milliers de personnes contractent une assurance hypoth\u00e9caire, souvent sans savoir qu\u2019elles paient bien plus cher que n\u00e9cessaire \u2014 tout en passant \u00e0 c\u00f4t\u00e9 de meilleures options.<\/p><p data-start=\"404\" data-end=\"524\">Pourquoi continuer \u00e0 verser inutilement de l\u2019argent \u00e0 votre banque, alors que des solutions plus avantageuses existent ?<\/p><p data-start=\"526\" data-end=\"669\">Bonne nouvelle : en 2025, il n\u2019a jamais \u00e9t\u00e9 aussi simple de comparer les offres et de trouver le meilleur prix pour son assurance hypoth\u00e9caire.<\/p><p data-start=\"526\" data-end=\"669\">Dans les lignes \u00e0 suivre, nous vous d\u00e9voilons, \u00e0 l\u2019aide de donn\u00e9es pr\u00e9cises, d&rsquo;exemples concrets et de comparaisons chiffr\u00e9es, ce que co\u00fbte r\u00e9ellement une assurance hypoth\u00e9caire au Qu\u00e9bec en 2025. Vous y d\u00e9couvrirez \u00e9galement les facteurs qui influencent le prix, les erreurs \u00e0 \u00e9viter, et les meilleures offres disponibles actuellement sur le march\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6f0972 elementor-widget elementor-widget-image\" data-id=\"e6f0972\" 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=\"600\" height=\"350\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/2nd-section-3rd-image-2-p31nd1gu79tnpdt0pywik80s38ed0p6jb7lzfncdrg.png\" class=\"attachment-large size-large wp-image-1862\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/2nd-section-3rd-image-2-p31nd1gu79tnpdt0pywik80s38ed0p6jb7lzfncdrg.png 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/2nd-section-3rd-image-2-p31nd1gu79tnpdt0pywik80s38ed0p6jb7lzfncdrg-300x175.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\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-3d496ee elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3d496ee\" 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\">Qu\u2019est-ce qu\u2019une assurance hypoth\u00e9caire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88f3ef4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"88f3ef4\" 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=\"111\" data-end=\"194\">Commen\u00e7ons par les bases pour bien comprendre ce qu\u2019est une assurance hypoth\u00e9caire.<\/p><p data-start=\"196\" data-end=\"445\">Lorsque vous achetez une maison, il est fort probable que vous deviez contracter une hypoth\u00e8que pour en financer l\u2019achat. Pour cela, vous vous adressez g\u00e9n\u00e9ralement \u00e0 une banque afin d\u2019obtenir un pr\u00eat hypoth\u00e9caire. Jusque-l\u00e0, rien de tr\u00e8s compliqu\u00e9.<\/p><p data-start=\"447\" data-end=\"655\">Au moment de finaliser l\u2019emprunt, la banque vous proposera de souscrire une assurance hypoth\u00e9caire. Celle-ci est pr\u00e9sent\u00e9e comme essentielle : en cas de d\u00e9c\u00e8s, elle permettrait de rembourser le solde du pr\u00eat.<\/p><p data-start=\"657\" data-end=\"989\">Concr\u00e8tement, l\u2019assurance hypoth\u00e9caire est une protection qui couvre votre pr\u00eat hypoth\u00e9caire si vous d\u00e9c\u00e9dez pendant la dur\u00e9e du pr\u00eat. Ainsi, le solde restant est pay\u00e9 directement \u00e0 la banque, ce qui \u00e9vite \u00e0 votre conjoint ou \u00e0 vos proches d\u2019avoir \u00e0 assumer seuls les paiements. Cela leur \u00e9pargne donc un important stress financier.<\/p><p data-start=\"991\" data-end=\"1138\">Dans certains cas, cette assurance peut aussi offrir une couverture en cas d\u2019invalidit\u00e9, en prenant en charge les paiements mensuels de votre pr\u00eat.<\/p><p data-start=\"1140\" data-end=\"1311\">En r\u00e9sum\u00e9, l\u2019assurance hypoth\u00e9caire offerte par la banque est une forme de s\u00e9curit\u00e9 financi\u00e8re li\u00e9e \u00e0 votre pr\u00eat immobilier, vendue directement par l\u2019institution pr\u00eateuse.<\/p><p data-start=\"1313\" data-end=\"1576\">Cependant, il existe aussi des assurances vie hypoth\u00e9caires propos\u00e9es par des compagnies d\u2019assurance ind\u00e9pendantes au Qu\u00e9bec. Ces options sont souvent plus avantageuses, tant en termes de co\u00fbt que de protection. Nous y reviendrons plus en d\u00e9tail un peu plus loin.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ad0bbf e-flex e-con-boxed e-con e-child\" data-id=\"6ad0bbf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b9fe887 e-con-full e-flex e-con e-child\" data-id=\"b9fe887\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32eed97 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"32eed97\" 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=\"111\" data-end=\"194\"><strong data-start=\"58\" data-end=\"124\">\u00c0 noter : Assurance hypoth\u00e9caire vs Assurance vie hypoth\u00e9caire<\/strong><\/h4><p data-start=\"196\" data-end=\"445\">Dans cet article, nous distinguerons deux notions importantes : l\u2019<strong data-start=\"193\" data-end=\"219\">assurance hypoth\u00e9caire<\/strong> et l\u2019<strong data-start=\"225\" data-end=\"255\">assurance vie hypoth\u00e9caire<\/strong>. Bien qu\u2019elles puissent sembler similaires, ce sont en r\u00e9alit\u00e9 deux produits bien distincts. L\u2019assurance hypoth\u00e9caire est g\u00e9n\u00e9ralement propos\u00e9e par les banques, tandis que l\u2019assurance vie hypoth\u00e9caire est offerte par les compagnies d\u2019assurance. Cette derni\u00e8re pr\u00e9sente des avantages significatifs, que nous vous d\u00e9taillerons dans les sections suivantes.<\/p>\t\t\t\t\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-5e6139f e-flex e-con-boxed e-con e-child\" data-id=\"5e6139f\" 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-3795bf8 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3795bf8\" 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\">Pourquoi souscrire une assurance vie hypoth\u00e9caire au Qu\u00e9bec ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c9ae70 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4c9ae70\" 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=\"131\" data-end=\"316\">Au Qu\u00e9bec, l\u2019assurance vie hypoth\u00e9caire remplit la m\u00eame fonction que l\u2019assurance hypoth\u00e9caire offerte par les banques : elle vise \u00e0 rembourser le solde d\u2019une hypoth\u00e8que en cas de d\u00e9c\u00e8s.<\/p><p data-start=\"318\" data-end=\"745\">Cependant, elle se distingue en offrant une protection plus avantageuse et flexible. Contrairement \u00e0 l\u2019assurance hypoth\u00e9caire bancaire, l\u2019assurance vie hypoth\u00e9caire est propos\u00e9e par des compagnies d\u2019assurance de personnes, et elle permet aux assur\u00e9s de choisir librement le montant de couverture d\u00e9sir\u00e9. Il est m\u00eame possible d\u2019opter pour un montant sup\u00e9rieur \u00e0 celui de l\u2019hypoth\u00e8que afin de couvrir d\u2019autres besoins financiers.<\/p><p data-start=\"747\" data-end=\"859\">Selon les sp\u00e9cialistes, cette forme d\u2019assurance permet non seulement de rembourser l\u2019hypoth\u00e8que, mais aussi de :<\/p><ul data-start=\"861\" data-end=\"963\"><li data-start=\"861\" data-end=\"900\"><p data-start=\"863\" data-end=\"900\">Remplacer un revenu en cas de d\u00e9c\u00e8s<\/p><\/li><li data-start=\"901\" data-end=\"927\"><p data-start=\"903\" data-end=\"927\">R\u00e9gler d\u2019autres dettes<\/p><\/li><li data-start=\"928\" data-end=\"963\"><p data-start=\"930\" data-end=\"963\">Couvrir les frais li\u00e9s au d\u00e9c\u00e8s<\/p><\/li><\/ul><p data-start=\"965\" data-end=\"1186\">Autre avantage majeur : le montant d\u2019assurance reste stable au fil du temps, m\u00eame si le solde de l\u2019hypoth\u00e8que diminue. \u00c0 l\u2019inverse, avec l\u2019assurance hypoth\u00e9caire bancaire, la protection diminue au m\u00eame rythme que le pr\u00eat.<\/p><p data-start=\"1188\" data-end=\"1396\">En somme, l\u2019assurance vie hypoth\u00e9caire repr\u00e9sente une solution sur mesure qui offre une r\u00e9elle tranquillit\u00e9 d\u2019esprit aux familles qu\u00e9b\u00e9coises en leur permettant de moduler leur protection selon leurs besoins.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8dac84 elementor-widget elementor-widget-image\" data-id=\"d8dac84\" 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=\"512\" height=\"342\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/iStock-534362669.jpg\" class=\"attachment-large size-large wp-image-1880\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/iStock-534362669.jpg 512w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/iStock-534362669-300x200.jpg 300w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\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-fadecf9 e-flex e-con-boxed e-con e-child\" data-id=\"fadecf9\" 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-8793331 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8793331\" 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\">Important : L\u2019assurance hypoth\u00e9caire est-elle obligatoire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef3f2d2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ef3f2d2\" 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=\"129\" data-end=\"278\">Il se peut que votre conseiller bancaire vous ait laiss\u00e9 croire que souscrire une assurance hypoth\u00e9caire \u00e9tait indispensable pour obtenir votre pr\u00eat.<\/p><p data-start=\"280\" data-end=\"411\">Mais est-ce r\u00e9ellement le cas ?<br data-start=\"311\" data-end=\"314\" \/>La r\u00e9ponse est non. Au Qu\u00e9bec, il n\u2019est pas obligatoire de contracter une assurance hypoth\u00e9caire.<\/p><p data-start=\"413\" data-end=\"717\">Cela dit, il est g\u00e9n\u00e9ralement recommand\u00e9 de souscrire une assurance vie li\u00e9e \u00e0 l\u2019hypoth\u00e8que. Moins co\u00fbteuse, cette protection peut couvrir une partie ou la totalit\u00e9 du solde hypoth\u00e9caire en cas de d\u00e9c\u00e8s d\u2019un conjoint. Vous \u00eates libre de choisir le montant de la couverture qui convient \u00e0 votre situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-858f1aa e-con-full e-flex e-con e-child\" data-id=\"858f1aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b2c10fc e-con-full e-flex e-con e-child\" data-id=\"b2c10fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1add365 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1add365\" 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=\"62\" data-end=\"125\"><strong data-start=\"62\" data-end=\"125\">Pourquoi doit-on rembourser une hypoth\u00e8que apr\u00e8s un d\u00e9c\u00e8s ?<\/strong><\/p><p data-start=\"127\" data-end=\"242\">C\u2019est une question tout \u00e0 fait l\u00e9gitime. Pour bien comprendre, il suffit de s\u2019imaginer dans une situation concr\u00e8te.<\/p><p data-start=\"244\" data-end=\"539\">Prenons l\u2019exemple d\u2019un couple qui ach\u00e8te une maison \u00e0 500 000 $ avec un pr\u00eat hypoth\u00e9caire de 400 000 $. Les mensualit\u00e9s s\u2019\u00e9l\u00e8vent \u00e0 2 400 $. Que se passe-t-il si l\u2019un des deux vient \u00e0 d\u00e9c\u00e9der ? Le conjoint survivant pourra-t-il assumer seul les paiements ? Dans bien des cas, la r\u00e9ponse est non.<\/p><p data-start=\"541\" data-end=\"745\">Dans une telle situation, la banque peut r\u00e9clamer le remboursement du pr\u00eat ou m\u00eame exiger la vente de la maison en cas de d\u00e9faut de paiement. C\u2019est justement ce type de probl\u00e8me que l\u2019on cherche \u00e0 \u00e9viter.<\/p><p data-start=\"747\" data-end=\"1147\">L\u2019assurance vie hypoth\u00e9caire permet de pr\u00e9venir ce risque. Elle peut couvrir 50 % du solde du pr\u00eat, all\u00e9geant ainsi la charge du conjoint survivant. Mieux encore, elle peut rembourser 100 % de l\u2019hypoth\u00e8que, offrant une s\u00e9curit\u00e9 financi\u00e8re compl\u00e8te et \u00e9vitant \u00e0 la personne endeuill\u00e9e de se retrouver avec un fardeau \u00e9conomique suppl\u00e9mentaire, en plus de devoir g\u00e9rer seule toutes les autres d\u00e9penses.<\/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<div class=\"elementor-element elementor-element-1199c91 e-con-full e-flex e-con e-child\" data-id=\"1199c91\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-164c9a8 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"164c9a8\" 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\">Quel est l'avantage pour souscrire \u00e0 une assurance vie hypoth\u00e9caire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dadea7b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dadea7b\" 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=\"64\" data-end=\"247\">Quels sont les b\u00e9n\u00e9fices \u00e0 opter pour une assurance vie hypoth\u00e9caire afin de prot\u00e9ger son partenaire et son bien immobilier ?<\/p><p data-start=\"249\" data-end=\"459\">Avant tout, c\u2019est l\u2019une des solutions les plus \u00e9conomiques et les plus souples disponibles sur le march\u00e9. L\u2019assurance vie hypoth\u00e9caire est con\u00e7ue pour s\u2019adapter \u00e0 la r\u00e9alit\u00e9 financi\u00e8re et personnelle de chacun.<\/p><p data-start=\"461\" data-end=\"674\">Les personnes en bonne sant\u00e9 b\u00e9n\u00e9ficient de primes avantageuses. Quant \u00e0 celles dont l\u2019\u00e9tat de sant\u00e9 est plus fragile, elles peuvent \u00e9galement acc\u00e9der \u00e0 d\u2019excellentes options personnalisables selon leur situation.<\/p><p data-start=\"676\" data-end=\"768\"><strong>Avec cela en t\u00eate, d\u00e9couvrons 5 des principaux avantages de l\u2019assurance vie hypoth\u00e9caire :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15ecd75 elementor-widget elementor-widget-image\" data-id=\"15ecd75\" 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=\"700\" height=\"467\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/adobestock_882425975_assurance_pret_2.jpg\" class=\"attachment-large size-large wp-image-1890\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/adobestock_882425975_assurance_pret_2.jpg 700w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/adobestock_882425975_assurance_pret_2-300x200.jpg 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\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-667796a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"667796a\" 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=\"73\" data-end=\"127\"><strong data-start=\"73\" data-end=\"127\">#1 : Vous contr\u00f4lez le montant de votre couverture<\/strong><\/p><p data-start=\"129\" data-end=\"257\">Avec une assurance vie hypoth\u00e9caire ind\u00e9pendante, c\u2019est vous qui d\u00e9terminez le montant de couverture souhait\u00e9, et non la banque.<\/p><p data-start=\"259\" data-end=\"410\">\u00c0 l\u2019inverse, avec une assurance hypoth\u00e9caire propos\u00e9e par une banque, le montant assur\u00e9 correspond automatiquement au solde de votre pr\u00eat hypoth\u00e9caire.<\/p><p data-start=\"412\" data-end=\"594\">Or, vous pourriez vouloir une couverture plus \u00e9lev\u00e9e pour couvrir d\u2019autres obligations financi\u00e8res, assurer un revenu de remplacement pour vos proches, ou encore laisser un h\u00e9ritage.<\/p><p data-start=\"596\" data-end=\"865\">C\u2019est tout \u00e0 fait possible avec une assurance vie hypoth\u00e9caire : si votre pr\u00eat est de 350 000\u202f$, vous pouvez choisir une couverture partielle (par exemple 175 000\u202f$), une protection compl\u00e8te \u00e9quivalente \u00e0 votre solde, ou m\u00eame une couverture sup\u00e9rieure, comme 500 000\u202f$.<\/p><p data-start=\"872\" data-end=\"925\">\u00a0<\/p><p data-start=\"872\" data-end=\"925\"><strong data-start=\"872\" data-end=\"925\">#2 : Vous choisissez librement votre b\u00e9n\u00e9ficiaire<\/strong><\/p><p data-start=\"927\" data-end=\"1112\">Lorsque vous souscrivez une assurance hypoth\u00e9caire via votre banque, celle-ci se d\u00e9signe automatiquement comme b\u00e9n\u00e9ficiaire de votre police. Mais est-ce vraiment ce que vous souhaitez ?<\/p><p data-start=\"1114\" data-end=\"1375\">Avec une assurance vie hypoth\u00e9caire ind\u00e9pendante, vous avez la libert\u00e9 de nommer la personne de votre choix comme b\u00e9n\u00e9ficiaire. Il s\u2019agit souvent du conjoint, mais vous pouvez \u00e9galement d\u00e9signer un enfant, un parent ou toute autre personne importante pour vous.<\/p><p data-start=\"1377\" data-end=\"1582\">Vous conservez ainsi le contr\u00f4le sur la destination de la prestation en cas de d\u00e9c\u00e8s. Le b\u00e9n\u00e9ficiaire pourra ensuite d\u00e9cider de rembourser l\u2019hypoth\u00e8que ou d\u2019utiliser les fonds autrement, selon les besoins.<\/p><p data-start=\"1377\" data-end=\"1582\">\u00a0<\/p><p data-start=\"86\" data-end=\"149\"><strong data-start=\"86\" data-end=\"149\">#3 : Une prime fixe garantie pour toute la dur\u00e9e du contrat<\/strong><\/p><p data-start=\"151\" data-end=\"278\">En choisissant une assurance vie hypoth\u00e9caire, vous connaissez d\u00e8s le d\u00e9part le co\u00fbt total de votre police pour toute sa dur\u00e9e.<\/p><p data-start=\"280\" data-end=\"478\">Par exemple, si vous optez pour une assurance couvrant toute la dur\u00e9e de votre pr\u00eat, soit 25 ans, votre prime mensuelle sera d\u00e9termin\u00e9e \u00e0 la signature et restera identique jusqu\u2019\u00e0 la fin du contrat.<\/p><p data-start=\"480\" data-end=\"739\">Elle ne subira aucune augmentation, peu importe votre \u00e2ge ou l\u2019\u00e9volution de votre \u00e9tat de sant\u00e9. Cela vous permet de planifier facilement votre budget. Si votre prime est fix\u00e9e \u00e0 35\u202f$ par mois, vous paierez exactement ce montant pendant 25 ans, sans surprise.<\/p><p data-start=\"746\" data-end=\"823\">\u00a0<\/p><p data-start=\"746\" data-end=\"823\"><strong data-start=\"746\" data-end=\"823\">#4 : Une couverture stable qui ne diminue pas avec le solde de votre pr\u00eat<\/strong><\/p><p data-start=\"825\" data-end=\"1000\">L\u2019un des principaux avantages de l\u2019assurance vie hypoth\u00e9caire ind\u00e9pendante est que votre montant de couverture reste fixe, peu importe l\u2019\u00e9volution de votre solde hypoth\u00e9caire.<\/p><p data-start=\"1002\" data-end=\"1347\">Avec une assurance hypoth\u00e9caire bancaire, la couverture diminue au fur et \u00e0 mesure que vous remboursez votre pr\u00eat. Pourtant, vous continuez de payer la m\u00eame prime. Par exemple, une assurance initiale de 400\u202f000\u202f$ \u00e0 40\u202f$ par mois pourrait ne repr\u00e9senter plus que 210\u202f000\u202f$ de protection apr\u00e8s 15 ans \u2014 tout en vous co\u00fbtant toujours 40\u202f$ mensuels.<\/p><p data-start=\"1349\" data-end=\"1640\">En revanche, avec une assurance vie hypoth\u00e9caire individuelle, non seulement la prime est fixe, mais la couverture aussi. Dans le m\u00eame sc\u00e9nario, apr\u00e8s 15 ans, votre hypoth\u00e8que pourrait \u00eatre r\u00e9duite \u00e0 210\u202f000\u202f$, mais votre assurance resterait \u00e0 400\u202f000\u202f$, pour la m\u00eame prime de 40\u202f$ par mois.<\/p><p data-start=\"1642\" data-end=\"1801\">C\u2019est un avantage consid\u00e9rable : en cas de d\u00e9c\u00e8s, vos b\u00e9n\u00e9ficiaires re\u00e7oivent une prestation bien plus \u00e9lev\u00e9e que ce qu\u2019il reste \u00e0 rembourser sur l\u2019hypoth\u00e8que.<\/p><p data-start=\"1642\" data-end=\"1801\">\u00a0<\/p><p data-start=\"70\" data-end=\"136\"><strong data-start=\"70\" data-end=\"136\">#5 : Votre assurance vous suit, m\u00eame si vous changez de banque<\/strong><\/p><p data-start=\"138\" data-end=\"368\">Souscrire une assurance hypoth\u00e9caire aupr\u00e8s de votre banque peut rapidement devenir contraignant. En effet, si vous d\u00e9cidez de changer de pr\u00eateur plus tard, vous serez oblig\u00e9 d\u2019annuler cette assurance \u2014 ce qui peut poser probl\u00e8me.<\/p><p data-start=\"370\" data-end=\"513\">Dans 10 ans, serez-vous toujours assurable si vous changez de banque ? Rien n\u2019est garanti, surtout si votre \u00e9tat de sant\u00e9 a \u00e9volu\u00e9 entre-temps.<\/p><p data-start=\"515\" data-end=\"660\">C\u2019est l\u00e0 qu\u2019intervient un des grands avantages de l\u2019assurance vie hypoth\u00e9caire ind\u00e9pendante : elle n\u2019est pas li\u00e9e \u00e0 votre institution financi\u00e8re.<\/p><p data-start=\"662\" data-end=\"920\">Votre contrat est \u00e9tabli avec une compagnie d\u2019assurance priv\u00e9e, ce qui signifie que peu importe la banque que vous choisissez pour votre pr\u00eat, votre couverture reste intacte. Vous \u00eates donc libre de changer de pr\u00eateur sans risquer de perdre votre protection.<\/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-831d18b e-con-full e-flex e-con e-child\" data-id=\"831d18b\" 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-dbdfed7 e-con-full e-flex e-con e-child\" data-id=\"dbdfed7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb79576 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"eb79576\" 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\">Pour recevoir une soumission GRATUITE adapt\u00e9e \u00e0 votre situation actuelle,<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bbe8af elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4bbe8af\" 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>il vous suffit simplement de REMPLIR LE FORMULAIRE PR\u00c9SENT SUR CETTE PAGE. Un courtier partenaire vous contactera par la suite (cliquez sur le bouton ci-dessous).<\/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-c99742d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c99742d\" 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\/assurance-hypothecaire\/\">\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\">Recevoir ma soumission<\/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>\n\t\t<div class=\"elementor-element elementor-element-6bdc31d e-con-full e-flex e-con e-child\" data-id=\"6bdc31d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0ddf4a8 e-flex e-con-boxed e-con e-child\" data-id=\"0ddf4a8\" 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-dfb86f6 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"dfb86f6\" 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\">Quel est le co\u00fbt d\u2019une assurance vie hypoth\u00e9caire au Qu\u00e9bec en 2025 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1963ae elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c1963ae\" 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=\"60\" data-end=\"274\">Int\u00e9ressons-nous au tarif moyen d\u2019une assurance vie hypoth\u00e9caire en 2025 au Qu\u00e9bec. \u00c0 quelle prime mensuelle pouvez-vous vous attendre ?<\/p><p data-start=\"276\" data-end=\"426\">Pour r\u00e9pondre \u00e0 cette question, nous avons men\u00e9 une analyse bas\u00e9e sur les donn\u00e9es collect\u00e9es aupr\u00e8s de plusieurs courtiers en assurance partenaires.<\/p><p data-start=\"428\" data-end=\"588\">Les tarifs pr\u00e9sent\u00e9s proviennent d\u2019une \u00e9tude interne portant sur plus de 50 000 soumissions re\u00e7ues via notre plateforme et nos partenaires entre 2017 et 2023.<\/p><p data-start=\"590\" data-end=\"689\">Pour tous les sc\u00e9narios tarifaires \u00e9voqu\u00e9s, nous avons appliqu\u00e9 les crit\u00e8res standards suivants :<\/p><ul data-start=\"691\" data-end=\"851\"><li data-start=\"691\" data-end=\"718\"><p data-start=\"693\" data-end=\"718\">\u00c9tat de sant\u00e9 favorable<\/p><\/li><li data-start=\"719\" data-end=\"764\"><p data-start=\"721\" data-end=\"764\">Dur\u00e9e d\u2019amortissement classique de 25 ans<\/p><\/li><li data-start=\"765\" data-end=\"806\"><p data-start=\"767\" data-end=\"806\">Assurance vie hypoth\u00e9caire temporaire<\/p><\/li><li data-start=\"807\" data-end=\"851\"><p data-start=\"809\" data-end=\"851\">\u00c2ge du client compris entre 25 et 45 ans<\/p><\/li><\/ul><p data-start=\"853\" data-end=\"1113\">Nous avons ensuite vari\u00e9 le montant de la couverture afin d\u2019\u00e9valuer les prix pour des polices de 150 000 $, 250 000 $ et 500 000 $, qui correspondent aux trois niveaux de protection les plus demand\u00e9s au Qu\u00e9bec, aussi bien pour les hommes que pour les femmes.<\/p><p data-start=\"1115\" data-end=\"1324\">Veuillez noter que les tarifs indiqu\u00e9s sont fournis \u00e0 titre indicatif et ne constituent en aucun cas une garantie. Pour obtenir des devis personnalis\u00e9s, nous vous invitons \u00e0 remplir notre formulaire gratuit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0775624 e-con-full e-flex e-con e-child\" data-id=\"0775624\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1b20bf elementor-widget elementor-widget-image\" data-id=\"e1b20bf\" 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=\"934\" height=\"619\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-113822.jpg\" class=\"attachment-large size-large wp-image-1894\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-113822.jpg 934w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-113822-300x199.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-113822-768x509.jpg 768w\" sizes=\"(max-width: 934px) 100vw, 934px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00dec11 e-con-full e-flex e-con e-child\" data-id=\"00dec11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20fbaac elementor-widget elementor-widget-image\" data-id=\"20fbaac\" 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=\"924\" height=\"613\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-114249.jpg\" class=\"attachment-large size-large wp-image-1898\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-114249.jpg 924w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-114249-300x199.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-114249-768x510.jpg 768w\" sizes=\"(max-width: 924px) 100vw, 924px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2adcea3 e-con-full e-flex e-con e-child\" data-id=\"2adcea3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03c2450 elementor-widget elementor-widget-image\" data-id=\"03c2450\" 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=\"924\" height=\"600\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-114358.jpg\" class=\"attachment-large size-large wp-image-1899\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-114358.jpg 924w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-114358-300x195.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-114358-768x499.jpg 768w\" sizes=\"(max-width: 924px) 100vw, 924px\" \/>\t\t\t\t\t\t\t\t\t\t\t\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9c474b e-con-full e-flex e-con e-child\" data-id=\"c9c474b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2627e8b e-flex e-con-boxed e-con e-child\" data-id=\"2627e8b\" 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-5117b12 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5117b12\" 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 \u00e9l\u00e9ments qui influencent le co\u00fbt d\u2019une assurance vie hypoth\u00e9caire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11711f1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"11711f1\" 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=\"144\" data-end=\"314\">Apr\u00e8s avoir examin\u00e9 60 tarifs diff\u00e9rents, int\u00e9ressons-nous maintenant aux facteurs sp\u00e9cifiques qui d\u00e9terminent le prix d\u2019une assurance vie hypoth\u00e9caire au Qu\u00e9bec en 2025.<\/p><p data-start=\"316\" data-end=\"511\">Les compagnies d\u2019assurance \u00e9valuent syst\u00e9matiquement les divers risques, notamment le risque de mortalit\u00e9 associ\u00e9 \u00e0 chaque client. C\u2019est cette \u00e9valuation qui leur permet de fixer un tarif adapt\u00e9.<\/p><p data-start=\"513\" data-end=\"636\">Mais quels sont pr\u00e9cis\u00e9ment les crit\u00e8res qui influencent le co\u00fbt d\u2019une assurance vie hypoth\u00e9caire ? En voici quelques-uns :<\/p><ul data-start=\"638\" data-end=\"855\"><li data-start=\"638\" data-end=\"647\"><p data-start=\"640\" data-end=\"647\">L\u2019\u00e2ge<\/p><\/li><li data-start=\"648\" data-end=\"659\"><p data-start=\"650\" data-end=\"659\">Le sexe<\/p><\/li><li data-start=\"660\" data-end=\"683\"><p data-start=\"662\" data-end=\"683\">Le statut de fumeur<\/p><\/li><li data-start=\"684\" data-end=\"708\"><p data-start=\"686\" data-end=\"708\">Les habitudes de vie<\/p><\/li><li data-start=\"709\" data-end=\"738\"><p data-start=\"711\" data-end=\"738\">Les ant\u00e9c\u00e9dents familiaux<\/p><\/li><li data-start=\"739\" data-end=\"770\"><p data-start=\"741\" data-end=\"770\">Le montant de la couverture<\/p><\/li><li data-start=\"771\" data-end=\"801\"><p data-start=\"773\" data-end=\"801\">Le type d\u2019assurance choisi<\/p><\/li><li data-start=\"802\" data-end=\"827\"><p data-start=\"804\" data-end=\"827\">La profession exerc\u00e9e<\/p><\/li><li data-start=\"828\" data-end=\"855\"><p data-start=\"830\" data-end=\"855\">Et bien d\u2019autres encore !<\/p><\/li><\/ul><p data-start=\"857\" data-end=\"1019\">Autrement dit, un client jeune, en bonne sant\u00e9, ayant un mode de vie sain et exer\u00e7ant une profession \u00e0 faible risque aura g\u00e9n\u00e9ralement une prime plus avantageuse.<\/p><p data-start=\"1021\" data-end=\"1236\">Ainsi, la d\u00e9termination de la prime repose sur un calcul actuariel qui peut varier selon les compagnies. Il est donc essentiel de comparer les offres des diff\u00e9rents assureurs au Qu\u00e9bec avant de prendre<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-618e5a4 elementor-widget elementor-widget-image\" data-id=\"618e5a4\" 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=\"1024\" height=\"680\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/image-1-1024x680.webp\" class=\"attachment-large size-large wp-image-1901\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/image-1-1024x680.webp 1024w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/image-1-300x199.webp 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/image-1-768x510.webp 768w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/image-1.webp 1400w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86a5a1d e-flex e-con-boxed e-con e-child\" data-id=\"86a5a1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f4c5e2b e-con-full e-flex e-con e-child\" data-id=\"f4c5e2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-805469a elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"805469a\" 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\">Votre \u00e9tat de sant\u00e9 peut-il influencer le co\u00fbt de votre assurance vie hypoth\u00e9caire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-633d5ec elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"633d5ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full\" dir=\"auto\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"653b0160-2f4e-4a21-aa78-00da3caddd4c\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"73\" data-end=\"183\"><strong>La r\u00e9ponse est oui.<\/strong><\/p><p data-start=\"185\" data-end=\"385\">L\u2019\u00e9tat de sant\u00e9 est un facteur cl\u00e9 dans le calcul de la prime annuelle d\u2019assurance vie. Si vous \u00eates atteint d\u2019une maladie, avez une sant\u00e9 fragile ou un historique m\u00e9dical charg\u00e9, cela peut impacter :<\/p><ul data-start=\"387\" data-end=\"560\"><li data-start=\"387\" data-end=\"424\"><p data-start=\"389\" data-end=\"424\">Votre admissibilit\u00e9 \u00e0 l\u2019assurance<\/p><\/li><li data-start=\"425\" data-end=\"454\"><p data-start=\"427\" data-end=\"454\">Le montant de votre prime<\/p><\/li><li data-start=\"455\" data-end=\"560\"><p data-start=\"457\" data-end=\"560\">La d\u00e9cision de l\u2019assureur, certains pouvant refuser de vous couvrir en cas de risques jug\u00e9s trop \u00e9lev\u00e9s<\/p><\/li><\/ul><p data-start=\"562\" data-end=\"783\">\u00c0 l\u2019inverse, les personnes en bonne sant\u00e9 b\u00e9n\u00e9ficient g\u00e9n\u00e9ralement de tarifs plus avantageux. C\u2019est pourquoi il est recommand\u00e9 de souscrire \u00e0 une assurance vie hypoth\u00e9caire avant que des probl\u00e8mes de sant\u00e9 ne surviennent.<\/p><p data-start=\"785\" data-end=\"961\" data-is-last-node=\"\" data-is-only-node=\"\">\u00c0 noter : certaines compagnies d\u2019assurance se sp\u00e9cialisent dans les dossiers m\u00e9dicaux complexes et peuvent proposer des solutions aux clients pr\u00e9sentant des probl\u00e8mes de sant\u00e9.<\/p><\/div><\/div><\/div><\/div><div class=\"mx-[var(--mini-thread-content-inset)]\"><div class=\"flex min-h-[46px] justify-start\"><div class=\"touch:-me-2 touch:-ms-3.5 -ms-2.5 -me-1 flex flex-wrap items-center gap-y-4 p-1 select-none touch:w-[calc(100%+--spacing(3.5))] -mt-1 w-[calc(100%+--spacing(2.5))] duration-[1.5s] focus-within:transition-none hover:transition-none pointer-events-none [mask-image:linear-gradient(to_right,black_33%,transparent_66%)] [mask-size:300%_100%] [mask-position:100%_0%] motion-safe:transition-[mask-position] group-hover\/turn-messages:pointer-events-auto group-hover\/turn-messages:[mask-position:0_0] group-focus-within\/turn-messages:pointer-events-auto group-focus-within\/turn-messages:[mask-position:0_0] has-data-[state=open]:pointer-events-auto has-data-[state=open]:[mask-position:0_0]\"><div class=\"flex items-center\">\u00a0<\/div><\/div><\/div><\/div><div class=\"mt-3 w-full empty:hidden\"><div class=\"text-center\">\u00a0<\/div><\/div><div class=\"aria-live=polite absolute\"><div class=\"flex items-center justify-center\"><span class=\"flex items-center gap-1.5 select-none\"><span class=\"sr-only whitespace-nowrap! md:not-sr-only\">Demander \u00e0 ChatGPT<\/span><\/span><\/div><\/div><\/div><\/div><\/article><div class=\"pointer-events-none h-px w-px\" aria-hidden=\"true\" data-edge=\"true\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec36eb2 e-con-full e-flex e-con e-child\" data-id=\"ec36eb2\" 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-ee7e437 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"ee7e437\" 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-fas-notes-medical\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336 64h-80c0-35.3-28.7-64-64-64s-64 28.7-64 64H48C21.5 64 0 85.5 0 112v352c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V112c0-26.5-21.5-48-48-48zM192 40c13.3 0 24 10.7 24 24s-10.7 24-24 24-24-10.7-24-24 10.7-24 24-24zm96 304c0 4.4-3.6 8-8 8h-56v56c0 4.4-3.6 8-8 8h-48c-4.4 0-8-3.6-8-8v-56h-56c-4.4 0-8-3.6-8-8v-48c0-4.4 3.6-8 8-8h56v-56c0-4.4 3.6-8 8-8h48c4.4 0 8 3.6 8 8v56h56c4.4 0 8 3.6 8 8v48zm0-192c0 4.4-3.6 8-8 8H104c-4.4 0-8-3.6-8-8v-16c0-4.4 3.6-8 8-8h176c4.4 0 8 3.6 8 8v16z\"><\/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-4855a1c elementor-widget elementor-widget-heading\" data-id=\"4855a1c\" 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\">Assurance vie sans examen m\u00e9dical Est-ce envisageable ?\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b77cab9 elementor-widget elementor-widget-text-editor\" data-id=\"b77cab9\" 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=\"131\" data-end=\"336\">Certaines compagnies d\u2019assurance proposent des polices d\u2019assurance vie sans n\u00e9cessiter d\u2019examen m\u00e9dical. Mais est-ce une v\u00e9ritable alternative pour les personnes ayant des probl\u00e8mes de sant\u00e9 ? Cela d\u00e9pend.<\/p><p data-start=\"338\" data-end=\"587\">L\u2019absence d\u2019examen m\u00e9dical ne signifie pas que l\u2019assureur accepte automatiquement tous les candidats. Un questionnaire sur votre \u00e9tat de sant\u00e9 est g\u00e9n\u00e9ralement requis, et si votre profil est jug\u00e9 trop risqu\u00e9, l\u2019assureur peut refuser de vous couvrir.<\/p><p data-start=\"589\" data-end=\"849\">Il existe toutefois des assurances vie sans examen m\u00e9dical \u00e0 approbation garantie. Celles-ci permettent d\u2019obtenir une couverture m\u00eame en pr\u00e9sence de probl\u00e8mes de sant\u00e9. En contrepartie, ces produits sont souvent plus co\u00fbteux que les assurances traditionnelles.<\/p>\t\t\t\t\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-a47572a e-con-full e-flex e-con e-child\" data-id=\"a47572a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-15a4bba e-flex e-con-boxed e-con e-child\" data-id=\"15a4bba\" 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-750f978 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"750f978\" 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\">Assurance hypoth\u00e9caire : Banque ou compagnie d\u2019assurance ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ba73e5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4ba73e5\" 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=\"142\" data-end=\"313\">Depuis le d\u00e9but de cet article, nous faisons la distinction entre l\u2019assurance hypoth\u00e9caire et l\u2019assurance vie hypoth\u00e9caire. Ce sont en effet deux produits bien diff\u00e9rents.<\/p><p data-start=\"315\" data-end=\"444\">Nous avons d\u00e9j\u00e0 soulign\u00e9 les nombreux avantages de l\u2019assurance vie hypoth\u00e9caire par rapport \u00e0 l\u2019assurance hypoth\u00e9caire classique.<\/p><p data-start=\"446\" data-end=\"612\">Pour vous aider \u00e0 mieux comprendre ces diff\u00e9rences, nous avons pr\u00e9par\u00e9 un tableau comparatif qui r\u00e9sume les principales distinctions entre ces deux types d\u2019assurance.<\/p><p data-start=\"614\" data-end=\"743\" data-is-last-node=\"\" data-is-only-node=\"\"><strong>Ce tableau vous permettra de constater pourquoi l\u2019assurance vie hypoth\u00e9caire repr\u00e9sente une option g\u00e9n\u00e9ralement plus avantageuse.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99a6534 elementor-widget elementor-widget-image\" data-id=\"99a6534\" 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=\"811\" height=\"640\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-120721.jpg\" class=\"attachment-large size-large wp-image-1910\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-120721.jpg 811w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-120721-300x237.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-120721-768x606.jpg 768w\" sizes=\"(max-width: 811px) 100vw, 811px\" \/>\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-921dcea elementor-widget elementor-widget-image\" data-id=\"921dcea\" 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=\"810\" height=\"373\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-120805.jpg\" class=\"attachment-large size-large wp-image-1911\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-120805.jpg 810w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-120805-300x138.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-24-120805-768x354.jpg 768w\" sizes=\"(max-width: 810px) 100vw, 810px\" \/>\t\t\t\t\t\t\t\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25a4e31 e-con-full e-flex e-con e-child\" data-id=\"25a4e31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f226157 e-flex e-con-boxed e-con e-child\" data-id=\"f226157\" 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-77ae1b4 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"77ae1b4\" 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\">Pourquoi refuser l\u2019assurance hypoth\u00e9caire propos\u00e9e par votre banque ?\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-486b4b9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"486b4b9\" 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=\"149\" data-end=\"371\">Si l\u2019on se r\u00e9f\u00e8re au tableau comparatif pr\u00e9sent\u00e9 plus haut, il ressort clairement que vous disposez de deux options pour prot\u00e9ger votre pr\u00eat hypoth\u00e9caire. Or, l\u2019assurance offerte par la banque est loin d\u2019\u00eatre la meilleure.<\/p><p data-start=\"373\" data-end=\"547\">En r\u00e9alit\u00e9, il est fortement recommand\u00e9 de <strong data-start=\"416\" data-end=\"461\">refuser l\u2019assurance hypoth\u00e9caire bancaire<\/strong> et d\u2019opter plut\u00f4t pour une <strong data-start=\"489\" data-end=\"519\">assurance vie hypoth\u00e9caire<\/strong> aupr\u00e8s d\u2019un assureur priv\u00e9.<\/p><p data-start=\"549\" data-end=\"651\">Voici pourquoi l\u2019assurance hypoth\u00e9caire de la banque est peu avantageuse, particuli\u00e8rement au Qu\u00e9bec :<\/p><ul data-start=\"653\" data-end=\"1133\"><li data-start=\"653\" data-end=\"718\"><p data-start=\"655\" data-end=\"718\">Le b\u00e9n\u00e9ficiaire est toujours la banque, jamais votre famille.<\/p><\/li><li data-start=\"719\" data-end=\"791\"><p data-start=\"721\" data-end=\"791\">Les primes sont souvent plus \u00e9lev\u00e9es que celles d\u2019une assurance vie.<\/p><\/li><li data-start=\"792\" data-end=\"880\"><p data-start=\"794\" data-end=\"880\">La couverture diminue au fil des ann\u00e9es, en m\u00eame temps que votre solde hypoth\u00e9caire.<\/p><\/li><li data-start=\"881\" data-end=\"973\"><p data-start=\"883\" data-end=\"973\">Elle est li\u00e9e \u00e0 votre pr\u00eateur : si vous changez de banque, vous perdez votre protection.<\/p><\/li><li data-start=\"974\" data-end=\"1055\"><p data-start=\"976\" data-end=\"1055\">Le montant de la couverture d\u00e9pend uniquement du montant de votre hypoth\u00e8que.<\/p><\/li><li data-start=\"1056\" data-end=\"1133\"><p data-start=\"1058\" data-end=\"1133\">La protection prend automatiquement fin une fois l\u2019hypoth\u00e8que rembours\u00e9e.<\/p><\/li><\/ul><p data-start=\"1135\" data-end=\"1397\"><strong data-start=\"1135\" data-end=\"1148\">En r\u00e9sum\u00e9<\/strong> : les experts du domaine financier d\u00e9conseillent fortement l\u2019assurance hypoth\u00e9caire bancaire. En comparaison, <strong data-start=\"1259\" data-end=\"1291\">l\u2019assurance vie hypoth\u00e9caire<\/strong> offerte par des assureurs ind\u00e9pendants est souvent <strong data-start=\"1343\" data-end=\"1396\">plus flexible, plus avantageuse et moins co\u00fbteuse<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b30d30b elementor-widget elementor-widget-image\" data-id=\"b30d30b\" 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=\"1024\" height=\"683\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/hyp-alternative-bank.1643173103894-1024x683.jpeg\" class=\"attachment-large size-large wp-image-1916\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/hyp-alternative-bank.1643173103894-1024x683.jpeg 1024w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/hyp-alternative-bank.1643173103894-300x200.jpeg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/hyp-alternative-bank.1643173103894-768x512.jpeg 768w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/hyp-alternative-bank.1643173103894.jpeg 1254w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-593b515 e-flex e-con-boxed e-con e-parent\" data-id=\"593b515\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-205d513 e-con-full e-flex e-con e-child\" data-id=\"205d513\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fff09a7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"fff09a7\" 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\">Quel type d\u2019assurance vie couvre une hypoth\u00e8que ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f14a96 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6f14a96\" 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=\"123\" data-end=\"262\">L\u2019assurance vie hypoth\u00e9caire, comme son nom l\u2019indique, est une forme d\u2019assurance vie con\u00e7ue pour rembourser une hypoth\u00e8que en cas de d\u00e9c\u00e8s.<\/p><p data-start=\"264\" data-end=\"449\">Au Qu\u00e9bec, il existe deux grandes cat\u00e9gories d\u2019assurance vie : l\u2019assurance <strong data-start=\"339\" data-end=\"353\">temporaire<\/strong> et l\u2019assurance <strong data-start=\"369\" data-end=\"383\">permanente<\/strong>. Mais alors, laquelle est utilis\u00e9e pour prot\u00e9ger une hypoth\u00e8que ?<\/p><ul><li data-start=\"451\" data-end=\"498\"><h4><strong>L\u2019assurance temporaire : la solution id\u00e9ale<\/strong><\/h4><\/li><\/ul><p data-start=\"500\" data-end=\"684\">L\u2019assurance vie hypoth\u00e9caire repose g\u00e9n\u00e9ralement sur une <strong data-start=\"557\" data-end=\"585\">assurance vie temporaire<\/strong>, car elle s\u2019adapte parfaitement aux besoins d\u2019un pr\u00eat hypoth\u00e9caire. Pourquoi ? Parce qu\u2019elle est :<\/p><ul data-start=\"686\" data-end=\"852\"><li data-start=\"686\" data-end=\"723\"><p data-start=\"688\" data-end=\"723\"><strong data-start=\"688\" data-end=\"706\">Tr\u00e8s abordable<\/strong> financi\u00e8rement ;<\/p><\/li><li data-start=\"724\" data-end=\"783\"><p data-start=\"726\" data-end=\"783\">Offerte pour des dur\u00e9es pr\u00e9cises (10, 20, 30 ans, etc.) ;<\/p><\/li><li data-start=\"784\" data-end=\"852\"><p data-start=\"786\" data-end=\"852\">Capable de fournir une <strong data-start=\"809\" data-end=\"830\">grande protection<\/strong> \u00e0 un <strong data-start=\"836\" data-end=\"851\">co\u00fbt r\u00e9duit<\/strong>.<\/p><\/li><\/ul><p data-start=\"854\" data-end=\"1025\">\u00c0 l\u2019inverse, l\u2019assurance vie permanente est surtout utilis\u00e9e pour couvrir des besoins qui durent toute la vie, comme les frais fun\u00e9raires ou la planification successorale.<\/p><p data-start=\"1027\" data-end=\"1145\">Donc, lorsqu\u2019on parle d\u2019<strong data-start=\"1051\" data-end=\"1081\">assurance vie hypoth\u00e9caire<\/strong>, on fait g\u00e9n\u00e9ralement r\u00e9f\u00e9rence \u00e0 une <strong data-start=\"1120\" data-end=\"1144\">assurance temporaire<\/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-4cf0636 e-con-full e-flex e-con e-child\" data-id=\"4cf0636\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-225b247 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"225b247\" 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\">\u00c0 qui est vers\u00e9 le montant si vous d\u00e9c\u00e9dez ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd891f6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dd891f6\" 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=\"1202\" data-end=\"1366\">En cas de d\u00e9c\u00e8s, qui recevra l\u2019argent de votre assurance vie hypoth\u00e9caire ? Cela d\u00e9pend de la <strong data-start=\"1296\" data-end=\"1336\">personne d\u00e9sign\u00e9e comme b\u00e9n\u00e9ficiaire<\/strong> au moment de la souscription.<\/p><p data-start=\"1368\" data-end=\"1579\">Lors de l\u2019achat de votre assurance, votre conseiller vous demandera \u00e0 qui vous souhaitez verser la prestation. Le b\u00e9n\u00e9ficiaire est souvent votre <strong data-start=\"1513\" data-end=\"1525\">conjoint<\/strong>, surtout s\u2019il est co-emprunteur du pr\u00eat hypoth\u00e9caire.<\/p><h5 data-start=\"1581\" data-end=\"1603\"><span style=\"text-decoration: underline;\">Exemple concret :<\/span><\/h5><p data-start=\"1605\" data-end=\"1971\">Imaginons que vous avez souscrit, il y a 10 ans, une assurance vie hypoth\u00e9caire de <strong data-start=\"1688\" data-end=\"1701\">500 000 $<\/strong>, et que votre conjointe est la b\u00e9n\u00e9ficiaire. Si vous d\u00e9c\u00e9dez aujourd\u2019hui, et que le solde de votre hypoth\u00e8que est de <strong data-start=\"1819\" data-end=\"1832\">380 000 $<\/strong>, votre assureur versera <strong data-start=\"1857\" data-end=\"1870\">500 000 $<\/strong> \u00e0 votre conjointe. Elle pourra alors rembourser l\u2019hypoth\u00e8que et conserver le <strong data-start=\"1948\" data-end=\"1970\">reste de 120 000 $<\/strong>.<\/p>\t\t\t\t\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-fa7fe08 e-flex e-con-boxed e-con e-parent\" data-id=\"fa7fe08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-de17f0f e-con-full e-flex e-con e-child\" data-id=\"de17f0f\" 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-47e093e e-con-full e-flex e-con e-child\" data-id=\"47e093e\" 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-6f889c2 elementor-widget elementor-widget-heading\" data-id=\"6f889c2\" 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\">D\u00e9signation de plusieurs b\u00e9n\u00e9ficiaires \u2013 Oui, c\u2019est faisable !\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59a40b2 elementor-widget elementor-widget-text-editor\" data-id=\"59a40b2\" 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=\"131\" data-end=\"336\">En assurance vie, vous avez la libert\u00e9 de d\u00e9signer plusieurs b\u00e9n\u00e9ficiaires. Par exemple, vous pouvez attribuer 75 % du capital \u00e0 votre conjoint, 10 % \u00e0 un parent et 10 % \u00e0 un enfant. Cette r\u00e9partition personnalis\u00e9e est tout \u00e0 fait autoris\u00e9e et courante.<\/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-147e319 e-con-full e-flex e-con e-child\" data-id=\"147e319\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f366656 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"f366656\" 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-fas-notes-medical\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336 64h-80c0-35.3-28.7-64-64-64s-64 28.7-64 64H48C21.5 64 0 85.5 0 112v352c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V112c0-26.5-21.5-48-48-48zM192 40c13.3 0 24 10.7 24 24s-10.7 24-24 24-24-10.7-24-24 10.7-24 24-24zm96 304c0 4.4-3.6 8-8 8h-56v56c0 4.4-3.6 8-8 8h-48c-4.4 0-8-3.6-8-8v-56h-56c-4.4 0-8-3.6-8-8v-48c0-4.4 3.6-8 8-8h56v-56c0-4.4 3.6-8 8-8h48c4.4 0 8 3.6 8 8v56h56c4.4 0 8 3.6 8 8v48zm0-192c0 4.4-3.6 8-8 8H104c-4.4 0-8-3.6-8-8v-16c0-4.4 3.6-8 8-8h176c4.4 0 8 3.6 8 8v16z\"><\/path><\/svg>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b39a21a e-flex e-con-boxed e-con e-parent\" data-id=\"b39a21a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-37dd085 e-con-full e-flex e-con e-child\" data-id=\"37dd085\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1932ef0 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1932ef0\" 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\">\u00c0 qui est vers\u00e9 le montant si vous d\u00e9c\u00e9dez ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0686a85 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0686a85\" 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=\"1202\" data-end=\"1366\">En cas de d\u00e9c\u00e8s, qui recevra l\u2019argent de votre assurance vie hypoth\u00e9caire ? Cela d\u00e9pend de la <strong data-start=\"1296\" data-end=\"1336\">personne d\u00e9sign\u00e9e comme b\u00e9n\u00e9ficiaire<\/strong> au moment de la souscription.<\/p><p data-start=\"1368\" data-end=\"1579\">Lors de l\u2019achat de votre assurance, votre conseiller vous demandera \u00e0 qui vous souhaitez verser la prestation. Le b\u00e9n\u00e9ficiaire est souvent votre <strong data-start=\"1513\" data-end=\"1525\">conjoint<\/strong>, surtout s\u2019il est co-emprunteur du pr\u00eat hypoth\u00e9caire.<\/p><h5 data-start=\"1581\" data-end=\"1603\"><span style=\"text-decoration: underline;\">Exemple concret :<\/span><\/h5><p data-start=\"1605\" data-end=\"1971\">Imaginons que vous avez souscrit, il y a 10 ans, une assurance vie hypoth\u00e9caire de <strong data-start=\"1688\" data-end=\"1701\">500 000 $<\/strong>, et que votre conjointe est la b\u00e9n\u00e9ficiaire. Si vous d\u00e9c\u00e9dez aujourd\u2019hui, et que le solde de votre hypoth\u00e8que est de <strong data-start=\"1819\" data-end=\"1832\">380 000 $<\/strong>, votre assureur versera <strong data-start=\"1857\" data-end=\"1870\">500 000 $<\/strong> \u00e0 votre conjointe. Elle pourra alors rembourser l\u2019hypoth\u00e8que et conserver le <strong data-start=\"1948\" data-end=\"1970\">reste de 120 000 $<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a295565 elementor-widget elementor-widget-image\" data-id=\"a295565\" 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=\"1024\" height=\"672\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-1024x672.jpg\" class=\"attachment-large size-large wp-image-1925\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-1024x672.jpg 1024w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-300x197.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-768x504.jpg 768w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240.jpg 1240w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\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-72e8495 e-flex e-con-boxed e-con e-parent\" data-id=\"72e8495\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-69c99b0 e-con-full e-flex e-con e-child\" data-id=\"69c99b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f161efd elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f161efd\" 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\">Quelle est la diff\u00e9rence entre l\u2019assurance hypoth\u00e9caire et l\u2019assurance pr\u00eat hypoth\u00e9caire\u00a0?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41d8d9b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"41d8d9b\" 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=\"158\" data-end=\"282\">De nombreux clients confondent ces deux termes, pourtant tr\u00e8s diff\u00e9rents, bien qu\u2019ils ne soient s\u00e9par\u00e9s que par un seul mot.<\/p><p data-start=\"284\" data-end=\"520\"><strong data-start=\"284\" data-end=\"312\">L\u2019assurance hypoth\u00e9caire<\/strong> est souscrite par la majorit\u00e9 des propri\u00e9taires. Elle a pour but de prot\u00e9ger leurs proches \u2013 g\u00e9n\u00e9ralement le conjoint \u2013 en cas de d\u00e9c\u00e8s, en couvrant le solde de l\u2019hypoth\u00e8que gr\u00e2ce \u00e0 un versement d\u2019assurance.<\/p><p data-start=\"522\" data-end=\"786\"><strong data-start=\"522\" data-end=\"555\">L\u2019assurance pr\u00eat hypoth\u00e9caire<\/strong>, quant \u00e0 elle, est un programme propos\u00e9 par la SCHL (Soci\u00e9t\u00e9 canadienne d\u2019hypoth\u00e8ques et de logement). Elle permet aux acheteurs d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9 avec une mise de fonds inf\u00e9rieure \u00e0 20\u00a0% \u2013 g\u00e9n\u00e9ralement entre 5\u00a0% et 19,9\u00a0%.<\/p><p data-start=\"788\" data-end=\"973\" data-is-last-node=\"\" data-is-only-node=\"\">En r\u00e9sum\u00e9, ces deux assurances r\u00e9pondent \u00e0 des besoins bien distincts\u00a0: l\u2019une prot\u00e8ge les proches du propri\u00e9taire, l\u2019autre facilite l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 avec un faible apport initial.<\/p>\t\t\t\t\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-0181b70 e-flex e-con-boxed e-con e-parent\" data-id=\"0181b70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ea6938 e-con-full e-flex e-con e-child\" data-id=\"3ea6938\" 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-9b24c6e e-con-full e-flex e-con e-child\" data-id=\"9b24c6e\" 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-0732784 elementor-widget elementor-widget-heading\" data-id=\"0732784\" 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\">Qu\u2019est-ce que l\u2019assurance pr\u00eat hypoth\u00e9caire de la SCHL ?\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aede58 elementor-widget elementor-widget-text-editor\" data-id=\"5aede58\" 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=\"131\" data-end=\"336\">L\u2019assurance pr\u00eat hypoth\u00e9caire de la SCHL est un programme destin\u00e9 \u00e0 aider les acheteurs \u00e0 acc\u00e9der \u00e0 la propri\u00e9t\u00e9 au Canada avec une mise de fonds inf\u00e9rieure \u00e0 20 %, soit moins que la mise de fonds traditionnelle. En contrepartie, l\u2019acheteur doit payer une prime d\u2019assurance calcul\u00e9e en fonction du montant emprunt\u00e9. Cette prime peut \u00eatre r\u00e9gl\u00e9e imm\u00e9diatement ou ajout\u00e9e au montant total de l\u2019hypoth\u00e8que.<\/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-4decca2 e-con-full e-flex e-con e-child\" data-id=\"4decca2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a585ed elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"7a585ed\" 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-fas-money-check-alt\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M608 32H32C14.33 32 0 46.33 0 64v384c0 17.67 14.33 32 32 32h576c17.67 0 32-14.33 32-32V64c0-17.67-14.33-32-32-32zM176 327.88V344c0 4.42-3.58 8-8 8h-16c-4.42 0-8-3.58-8-8v-16.29c-11.29-.58-22.27-4.52-31.37-11.35-3.9-2.93-4.1-8.77-.57-12.14l11.75-11.21c2.77-2.64 6.89-2.76 10.13-.73 3.87 2.42 8.26 3.72 12.82 3.72h28.11c6.5 0 11.8-5.92 11.8-13.19 0-5.95-3.61-11.19-8.77-12.73l-45-13.5c-18.59-5.58-31.58-23.42-31.58-43.39 0-24.52 19.05-44.44 42.67-45.07V152c0-4.42 3.58-8 8-8h16c4.42 0 8 3.58 8 8v16.29c11.29.58 22.27 4.51 31.37 11.35 3.9 2.93 4.1 8.77.57 12.14l-11.75 11.21c-2.77 2.64-6.89 2.76-10.13.73-3.87-2.43-8.26-3.72-12.82-3.72h-28.11c-6.5 0-11.8 5.92-11.8 13.19 0 5.95 3.61 11.19 8.77 12.73l45 13.5c18.59 5.58 31.58 23.42 31.58 43.39 0 24.53-19.05 44.44-42.67 45.07zM416 312c0 4.42-3.58 8-8 8H296c-4.42 0-8-3.58-8-8v-16c0-4.42 3.58-8 8-8h112c4.42 0 8 3.58 8 8v16zm160 0c0 4.42-3.58 8-8 8h-80c-4.42 0-8-3.58-8-8v-16c0-4.42 3.58-8 8-8h80c4.42 0 8 3.58 8 8v16zm0-96c0 4.42-3.58 8-8 8H296c-4.42 0-8-3.58-8-8v-16c0-4.42 3.58-8 8-8h272c4.42 0 8 3.58 8 8v16z\"><\/path><\/svg>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79497f0 e-flex e-con-boxed e-con e-parent\" data-id=\"79497f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-69bd84d e-con-full e-flex e-con e-child\" data-id=\"69bd84d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae54437 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ae54437\" 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\">Comment obtenir la meilleure assurance vie hypoth\u00e9caire au meilleur prix en 2025 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fc2419 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0fc2419\" 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=\"153\" data-end=\"283\">Vous cherchez la fa\u00e7on la plus avantageuse de magasiner votre assurance vie hypoth\u00e9caire cette ann\u00e9e ? Voici ce qu\u2019il faut savoir.<\/p><p data-start=\"285\" data-end=\"592\">Tout d\u2019abord, \u00e9vitez de souscrire automatiquement \u00e0 l\u2019assurance propos\u00e9e par votre institution bancaire. Elle n\u2019est pas toujours la plus comp\u00e9titive. Privil\u00e9giez plut\u00f4t les services d\u2019un <strong data-start=\"472\" data-end=\"513\">courtier en assurance vie ind\u00e9pendant<\/strong> titulaire d\u2019un permis d\u00e9livr\u00e9 par l\u2019<strong data-start=\"550\" data-end=\"591\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong>.<\/p><p data-start=\"594\" data-end=\"793\">Pourquoi un courtier ? Parce qu\u2019il peut comparer pour vous les offres de plusieurs compagnies d\u2019assurance et ainsi vous aider \u00e0 trouver <strong data-start=\"730\" data-end=\"792\">le meilleur prix pour une couverture adapt\u00e9e \u00e0 vos besoins<\/strong>.<\/p><p data-start=\"795\" data-end=\"898\">Gr\u00e2ce \u00e0 un courtier, vous pouvez comparer les tarifs des 20 plus grands assureurs vie au Qu\u00e9bec, dont :<\/p><ul data-start=\"900\" data-end=\"1034\"><li data-start=\"900\" data-end=\"914\"><p data-start=\"902\" data-end=\"914\">Canada Vie<\/p><\/li><li data-start=\"915\" data-end=\"929\"><p data-start=\"917\" data-end=\"929\">Empire Vie<\/p><\/li><li data-start=\"930\" data-end=\"942\"><p data-start=\"932\" data-end=\"942\">Sun Life<\/p><\/li><li data-start=\"943\" data-end=\"957\"><p data-start=\"945\" data-end=\"957\">Desjardins<\/p><\/li><li data-start=\"958\" data-end=\"983\"><p data-start=\"960\" data-end=\"983\">Industrielle Alliance<\/p><\/li><li data-start=\"984\" data-end=\"997\"><p data-start=\"986\" data-end=\"997\">Foresters<\/p><\/li><li data-start=\"998\" data-end=\"1009\"><p data-start=\"1000\" data-end=\"1009\">Humania<\/p><\/li><li data-start=\"1010\" data-end=\"1034\"><p data-start=\"1012\" data-end=\"1034\">\u2026et plusieurs autres !<\/p><\/li><\/ul><p data-start=\"1036\" data-end=\"1151\">C\u2019est, sans conteste, <strong data-start=\"1058\" data-end=\"1150\">la m\u00e9thode la plus efficace pour \u00e9conomiser sur votre assurance vie hypoth\u00e9caire en 2025<\/strong>.<\/p><p data-start=\"1153\" data-end=\"1283\">Et si vous souhaitez obtenir rapidement des soumissions, nous collaborons avec des courtiers partenaires pr\u00eats \u00e0 vous accompagner.<\/p>\t\t\t\t\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-4e22c4b e-flex e-con-boxed e-con e-parent\" data-id=\"4e22c4b\" 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-c1156b2 elementor-widget elementor-widget-text-editor\" data-id=\"c1156b2\" 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-db7980a elementor-widget elementor-widget-heading\" data-id=\"db7980a\" 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\">Questions fr\u00e9quemment pos\u00e9es<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9006dd1 elementor-widget elementor-widget-accordion\" data-id=\"9006dd1\" 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-1511\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1511\" 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-1511\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1511\"><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-f19db97 elementor-widget elementor-widget-accordion\" data-id=\"f19db97\" 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-2531\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2531\" 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-2531\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2531\"><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-c56fbd4 elementor-widget elementor-widget-accordion\" data-id=\"c56fbd4\" 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-2071\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2071\" 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-2071\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2071\"><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-10c29c4 elementor-widget elementor-widget-accordion\" data-id=\"10c29c4\" 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-1751\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1751\" 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-1751\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1751\"><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-6980c77 elementor-widget elementor-widget-accordion\" data-id=\"6980c77\" 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-1101\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1101\" 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-1101\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1101\"><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-ede1932 elementor-widget elementor-widget-accordion\" data-id=\"ede1932\" 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-2491\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2491\" 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-2491\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2491\"><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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Assurance vie canada Assurance vie Hypoth\u00e9caire 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 + Combien co\u00fbte une assurance hypoth\u00e9caire au Qu\u00e9bec en 2025 ? C\u2019est une question que se posent de nombreux Qu\u00e9b\u00e9cois, [&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-1223","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 Hypoth\u00e9caire 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 + Combien co\u00fbte une assurance hypoth\u00e9caire au Qu\u00e9bec en 2025 ? C\u2019est une question que se posent de nombreux Qu\u00e9b\u00e9cois,&hellip;","_links":{"self":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1223","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=1223"}],"version-history":[{"count":121,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1223\/revisions"}],"predecessor-version":[{"id":21759,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1223\/revisions\/21759"}],"wp:attachment":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/media?parent=1223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}