Life and health insurance in Quebec
For the life you arebuilding.
Your family. Your plans. Your peace of mind. Request a quote tailored to your profile, free and with no obligation.
- No referral fee for you
- No obligation to buy
- A real conversation, in English or French
Connect with a partner financial security advisor.
- AMFCertified advisors
- $0Free quote
- FR · ENBilingual service
- QuebecProvince-wide
01 / Your starting point
Your life first. Coverage comes next.
You don’t have to know every product. Start with what matters to you.
Real needs. The right questions.Things to consider together
Give their future a head start.
Income to replace, education to fund and a family life to protect. Understanding your needs is the first step.
- Your loved ones’ everyday expenses
- The mortgage and other debts
- Your children’s education and future plans
A perspective that matches your ambitions
Three worlds. The same care.
Your circumstances evolve. So should the way you think about insurance.
02 / A starting point
What would it take to protect their everyday life?
Income, debts, plans, savings: our calculator helps you put numbers to your life insurance needs.
Estimate my needs Illustrative estimate · No contact details requiredOur coverage
Choose the coverage you're interested in — your advisor can also combine them.
Life insurance
Term, permanent, universal, participating or simplified issue: understand the differences, then let an advisor compare insurers for you. Free and without obligation.
Learn moreTerm life insurance
Cover your mortgage, your debts and your family's income for a specific period. Your advisor compares terms, premiums and options from several insurers.
Learn morePermanent life insurance
Coverage designed to last a lifetime, provided the policy stays in force. Depending on the product, premiums and cash values may be guaranteed or variable.
Learn moreUniversal life insurance
Lifetime insurance paired with an investment account you control. You decide the amount deposited, the funds selected and the pace of deposits, within tax limits.
Learn moreParticipating life insurance
Permanent insurance whose death benefit and value increase each year through dividends paid by the insurer — without you having to manage investments.
Learn moreSimplified issue life insurance
A few health questions, no blood test, no medical appointment. Coverage that stays accessible even if you were declined elsewhere or have a health history.
Learn moreDisability insurance
Illness or accident: your ability to earn an income is your most valuable asset. Disability insurance pays you a monthly benefit while you recover.
Learn moreCritical illness insurance
At diagnosis of a covered illness, you receive a tax-free amount to use as you wish: care, time off, help at home, debts. No requirement to be unable to work.
Learn moreA perspective across insurers
Partner advisors work as brokers: they are not limited to a single insurer. They compare products, prices and eligibility criteria to recommend the coverage that fits you.
Trademarks of their respective owners. Sommet Protection is not affiliated with any insurer and does not distribute any product. Insurers distributed by partner advisors, according to their firm's contracts. How it works
How it works
- 1
Request your callback
Your coverage, your first name, your mobile: three answers are enough. The rest is optional.
- 2
An advisor contacts you
Your request goes to one partner advisor, who calls you at a time that suits you. You follow the progress live.
- 3
Receive your scenarios
You get clear options, with the advantages and limits of each. You decide.
Why go through an advisor?
A needs analysis, not just a price
The right amount and type of coverage depend on your situation. A certified advisor does this analysis with you.
Partner advisors certified by the AMF
Every partner advisor holds a certificate from the Autorité des marchés financiers, is attached to a registered firm and is overseen by the Chambre de la sécurité financière.
No fees for you
The referral is free for you: our partner advisors are the ones who pay us. The advisor is compensated by the insurer if you decide to purchase coverage.
Understand. Then decide.
More clarity. Less uncertainty.
Insurance terms, explained
Premium, beneficiary, exclusion: a glossary to explore at your own pace.
A transparent relationship from the start
Our role, the referral process and your advisor’s support.
Frequently asked questions
How much does life insurance cost in Quebec?
The premium depends on age, sex, smoking, health, type of coverage, amount and term. A 20-year term for $500,000 often costs a few dozen dollars a month at 35; permanent insurance costs several times more. Only the insurer sets the premium after reviewing the file.
How much coverage do I need?
A common method: debts + mortgage + 5 to 10 years of income + children's education + final expenses, minus savings and existing insurance. Your advisor does this needs analysis with you, free of charge.
Term or permanent?
Term for a large need that will end (mortgage, young children); permanent for a need that lasts a lifetime (estate, tax, legacy). Many families combine term for today and a small permanent policy for always.
Do I need a medical exam?
Depending on age and amount: a simple questionnaire, a blood test, or a paramedical exam at home. Simplified issue insurance without an exam exists for more limited amounts.
Who can be a beneficiary?
Any person or organization: spouse, children, parent, trust, charity or your estate. Naming a direct beneficiary allows a quick payment outside the estate. An irrevocable beneficiary cannot be changed without their consent.
Is the death benefit taxable?
No. It is paid tax-free to the beneficiaries.
Can I buy directly online on this site?
No. Sommet Protection connects you with a financial security advisor, who completes the needs analysis and the application with you. The quote is free and without obligation.
What happens if I stop paying?
After a grace period (usually 30 days), the contract lapses. Some permanent contracts use the cash value to keep coverage in force for a time. It is often possible to reinstate a contract within two years, with evidence of health.