Devriez-vous souscrire une assurance vie temporaire ou entière?

Déterminez quel type de couverture est le mieux adapté aux besoins financiers de votre famille

Têt-à-tête : assurance vie temporaire versus assurance vie entière

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Features	Couverture permanente	Assurance vie temporaire
Idéal pour Green Column Description	Idéal pour les personnes à valeur nette élevée ayant des besoins complexes en planification successorale	Adaptée à la famille canadienne moyenne
Type d’assurance Green Column Description	Couverture permanente	La couverture dure aussi longtemps que vous en avez besoin
Coût moyen Green Column Description	Jusqu’à 150 $ à 225 $ plus cher que l’assurance temporaire	À partir d’environ 20 $ à 30 $ par mois
Polices d’assurance Green Column Description	Peut comporter des frais de rachat, des impôts et d’autres restrictions	Facile à comprendre, avec peu de petits caractères
Prestation Green Column Description	Prestation de décès non imposable, mais les bénéficiaires paient de l’impôt sur les intérêts de la police	Vos proches recevront un capital exonéré d’impôt si vous décédez pendant la durée du contrat

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Features	Whole life insurance	Term life insurance
Cost Green Column Description	Premiums are more expensive than term life insurance.	Premiums can start at $20 to $30 per month.
Policy length Green Column Description	Covers you for your entire life as long as you keep up the payments.	Covers you for a specific period, typically 10, 20 or 30 years.
Cash value Green Column Description	Accumulates cash value over time.	Doesn’t accumulate cash value.
Investment Green Column Description	Investment component that helps the policy build cash value over time.	No investment component.
Premiums Green Column Description	Usually fixed for the life of the policy.	Usually fixed for the entire term and increase on renewal.
Flexibility Green Column Description	Potential to use as collateral for loans.	Can be renewed or, at times, converted to permanent life insurance.
Benefits Green Column Description	Tax-free lump sum payment to beneficiaries. Can pay out dividends.	Tax-free lump sum payment to beneficiaries.
Best for Green Column Description	High-net-worth Canadians or those with permanent dependents.	The average family with short-term responsibilities: mortgage, minor kids etc.

Compare PolicyMe with other insurance providers
Features	Mortgage insurance	Term life insurance for mortgage
What it's for Only used for paying off the remainder of the mortgage balance.	Only used for paying off the remainder of the mortgage balance.	Financially protecting your family in any way they need. (Example: mortgage, childcare, tuition, time off, etc.)
Average cost per month $73.10 / month*	$73.10 / month*	$32.85 / month*
Level premiums Subject to change	Subject to change	Yes
Pros Convenient, because premiums are added to your monthly mortgage payment. You don't have to go through a medical exam. (Caution: claim denials can occur because these policies aren't properly risk-assessed using medical information.)	Convenient, because premiums are added to your monthly mortgage payment. You don't have to go through a medical exam. (Caution: claim denials can occur because these policies aren't properly risk-assessed using medical information.)	Much more affordable than mortgage life insurance Coverage flexible to your family's needs (policy length and amount) Lump sum death benefit paid out directly to your beneficiaries
Cons Expensive because everyone has the same assumed risk — high As the mortgage principal is paid down, your payout decreases but premiums will stay the same (or increase) Typically not sold by an insurance advisor acting in your best interest High margin of error on the application, which may lead to claim denial	Expensive because everyone has the same assumed risk — high As the mortgage principal is paid down, your payout decreases but premiums will stay the same (or increase) Typically not sold by an insurance advisor acting in your best interest High margin of error on the application, which may lead to claim denial	Coverage isn't permanent. Once the term ends, your policy expires. Applications require some medical information in the form of a questionnaire.

Compare PolicyMe with other insurance providers
Features	Whole	Term
Who it's for Green Column Description	Best suited for those with high-net-worth with complex estate planning needs	Best suited for the average Canadian family
Type of coverage Green Column Description	Permanent coverage	Coverage lasts as long as you need
Average cost Green Column Description	Costs up to 7.5x more than term	Starts at around $20-30 per month
Policies Green Column Description	Comes with surrender fees, taxes and other restrictions	Policies are easy to understand, with little-to-no fine print
Payout Green Column Description	Death benefit is tax-free, but beneficiaries are taxed on the policy’s interest	Your loved ones get a tax-free lump sum if you pass during your term
Option to convert or renew policy Green Column Description	No	Yes
Cash value Green Column Description	Builds cash value, option to withdraw as a loan	No cash value
Rate of return Green Column Description	~3.5% (compare to roughly 4.8% from the stock market or 8.5% from index funds)	None. Save with term and put the difference in traditional investment vehicles

Compare PolicyMe with other insurance providers
Features	Life Insurance Through Work	PolicyMe Insurance
Policyholder Green Column Description	Your employer	You
Coverage amount Green Column Description	1-2x your salary	Apply for between $100,000 to $5 million, personalized to your family's needs
Coverage length Green Column Description	As long as you're working at the company	Policies from 10-30 years, personalized to your family's needs
Keep your coverage if you change jobs? Green Column Description	Not Included	Yes
Medical Exam? Green Column Description	Not required	Not required in most cases

Obtenez une assurance vie temporaire. Investissez le reste.

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Assurance vie entière, en bref

Devriez-vous souscrire une assurance vie complète?

Dure toute votre vie, en mélangeant une prestation de décès avec une valeur en espèces
Les primes sont fixes, de sorte que vous payez le même taux au cours de votre vie
Plus coûteuse que l'assurance-vie temporaire, parfois jusqu'à 7,5 fois plus
Idéal pour les personnes à revenu très élevé qui cherchent des options avec report d'impôt
Pour la plupart, le terme pourrait être un meilleur filet de sécurité financière pour leur famille

Terme : l'option de couverture plus intelligente pour les familles canadiennes.

Apprenez-en davantage sur les raisons pour lesquelles des milliers de Canadiens choisissent une assurance-vie temporaire abordable sur laquelle ils peuvent compter ; à quel moment leur famille en a le plus besoin.

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À propos de l'assurance vie temporaire AssureMoi

AssureMoi est une solution d'assurance numérique canadienne qui rend la protection financière des familles simple et abordable. Elle a été fondée par deux experts-conseils en assurance, Andrew Ostro et Laura McKay, et un chef de la technologie expérimenté, Jeff McKay. AssureMoi s'est associé à Securian Canada, une filiale de Securian Financial, une société du Fortune 500.

Comment AssureMoi gagne de l'argent

AssureMoi fonctionne comme n'importe quel autre assureur : nous vendons des produits d'assurance, qui sont souscris par Securian Canada. La bonne nouvelle, c'est que parce que nous avons automatisé les opérations, éliminé les intermédiaires et réduit les exigences de souscription (comme les examens médicaux), nous sommes en mesure de vous transmettre les économies tout en offrant la même qualité de couverture.