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Last Updated: July 2023

Get the life insurance in Quebec you need. At the right price.

Quebecois families can save up to 20% on term life insurance with PolicyMe
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Compare life insurance rates in Quebec

Take a look at these Quebec life insurance quotes

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Estimated monthly rates for anon-smoker, $500,000 in coverage over 10 years

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The monthly cost of life insurance in Quebec usually ranges from $15 to $100. Factors like age, whether you smoke, gender, the kind of policy you choose, and your health history can influence this cost.

Typically, if you're a man, a smoker, have health conditions, are older, or opt for whole or universal policies, you might have to shell out more. In some situations, the monthly premium could be several hundred dollars (albeit rare).

The best life insurance companies in Quebec

Learn more about your options for the best life insurance Quebec has to offer.

Best for


Blue Cross members
Blue Cross
CAA members
Canada Protection Plan
Seniors & pre-existing conditions
Permanent life insurance
Sun Life
Cash value life insurance
Laddering policies
Term life insurance
Empire Life
IA Financial

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“The quote I received from PolicyMe on $650k in insurance was less than I was quoted for $600k at my previous company. 100% satisfied!
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“Impressed with PolicyMe’s straightforward, easy application process. And their policies are way more affordable!
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Great rates and coverage put into effect in less than 24 hours. Highly recommended.”
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“Made a very daunting and important task so easy. I'm relaxed and happy to have things in place for my loved ones.”
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“Easy application, fully online. It took a couple of days and I am fully insured. Couldn't be happier.”
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“I am older and had to authorize my doctor to answer some questions for the life insurance company, but the process was actually very easy and created zero stress for me.”
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Roughly 40% of an insurance policy's cost goes toward distribution and underwriting costs.
We've cut out unnecessary admin tasks and extras with technology and pass those savings onto you.
You'll still get fully underwritten, high-quality life insurance, but at a more affordable price.

Quick facts about Quebec life insurance

Most Quebecers said they’d buy online1
82% said they are likely or very likely to buy a life insurance policy online
Lower coverage amount than most of Canada2
The average coverage amount that households in Quebec have is $374,000. The national average is $431,300. 
Quebecers wait longer for a policy2
The median age of a Quebecois person with life insurance is 43 – the average median age in Canada is 41.
Almost half rely on work for coverage1
48% of Quebecers have life insurance coverage through their employer.
6.5M Quebecers have life insurance3
The second most covered residents in Canada (Ontario has 8.4M)
Policies are provincially and federally regulated
The Autorité des marchés financiers (AMF) and The Government of Canada regulate life insurance in Quebec.
1 Canadians and Money Survey, PolicyMe & Angus Reid
2 Canadian Life & Health Insurance Facts, 2022 Edition
3 Canadian Life and Health Insurance Association, Provincial Facts and Figures, 2021 Edition

Compare your coverage needs to other customers across Canada

We’ve helped thousands of Canadian families get life insurance, with over $6B in coverage.
Average coverage amount:
Average coverage length:
18.4 years
Average monthly premium:

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Talk to an advisor (if you want!)

Call +1 (866) 999-7457 from 9AM-5PM EST Monday to Friday or email us. Our Ontario-based team is happy to help!
Our Canadian advisors are available 7 days a week, from 9 a.m. to 5 p.m. ET.
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How do you get life insurance in Quebec?

Choose the type of life insurance

Got short-term concerns like kids who rely on you for income or big loans such as a mortgage? Term life insurance might be your best bet. Dealing with long-term issues like dependents who'll always need support or intricate estate plans? You're likely looking at permanent life insurance, like whole or universal. But remember, it's smart to consult a licensed insurance expert to be certain.

Find the best life insurance companies in Quebec

Search for well-known insurance providers in Quebec. Check out their online reviews and dig into their reputation and financial health. In addition, you can choose to work with a broker or do research yourself.

Compare life insurance policies and coverage options

Check if the company you've looked into offers the kind of policy you're after, like term, whole, universal or no medical life insurance. Do they provide the coverage amount or policy duration you need? Any special features or add-ons you want?

Calculate how much coverage you need

Not sure if you need coverage of $100,000 or $1M+? Think about how much your family would need financially if you were no longer around. A rough rule of thumb is multiplying your yearly income by 7-10 times. But don't just rely on that; use a life insurance online calculator.

Apply for your chosen life insurance policy

Complete an application form; you can do this online or with the help of an agent. You should also make sure to provide correct personal details like your name, ways to get in touch with you, your birthday, and any important info about your lifestyle or health.

Provide additional information if needed

Certain insurance life insurance companies in Quebec might require you to provide medical records, take a health check-up, or respond to questions about your health. You'll also need to gather any important paperwork, like ID proof, proof of your earnings, or information about who would receive the death benefit.

Wait for approval and get the official premium rate

The insurance provider will check out your application, evaluate your health-related risks and set the premium cost using factors like your age, health status, way of life and the coverage amount you want. You might get the thumbs up, be asked for more information before they can decide or get a thumbs down.

Review and sign your life insurance policy

After your application gets the green light, make sure to read the policy terms and conditions in your contract before you sign it. Get familiar with the details of your coverage, when you need to pay your premium, who benefits and any specified exclusions or limits.

FAQ: All about life insurance in Quebec

What are the requirements for getting life insurance in Quebec?

To get life insurance in Quebec, you must be at least 18 years old and have legal capacity. You may also need to complete a health questionnaire or undergo a medical exam, depending on the type of policy you want. Some insurers may also require additional evidence of insurability such as blood tests, urine tests or EKGs.

On the other hand, some companies won’t need much from you to approve your application – but usually these types of policies come at a cost (i.e. “no medical” life insurance or simplified issue life insurance). 

Can I cancel my life insurance policy in Quebec?

Yes, you should be able to cancel your life insurance policy at any time in Quebec. However, you may be subject to cancellation fees or penalties depending on the terms of your policy or your provider’s protocol for cancellation. It is important to review your policy carefully and consult your insurer before cancelling it.

Is life insurance mandatory in Quebec?

No, life insurance isn't mandatory in Quebec. But here's the thing: it's a pretty smart move to consider it because life insurance is like a safety net for your loved ones if something unexpected happens to you. It could help cover expenses like mortgage payments, college tuition, or even day-to-day living costs. 

While it's not legally required, it can offer peace of mind knowing that your family would be financially secure without your income.

How do I file a claim with my life insurance provider in Quebec?

To file a claim, you will need to contact your insurance provider and provide them with the necessary information and documentation. This may include a death certificate, medical records and other relevant documentation.

Your insurer will then review your claim and determine whether your policy covers it. If your claim is approved, your insurance provider will pay out the benefit amount specified in your policy.

Learn more about life insurance in other Canadian regions