Term Life Insurance+

Term Life Insurance+

The word “term” here is significant. It designates the duration of this type of insurance contract. It includes a guaranteed renewal clause. It is renewable at the end of the contract’s duration/term which is generally calculated in five year segments or 5, 10, 15, 20, 25, 30 or 35 years. Moreover, the amount of the premiums is revised upwards as the end of the chosen term nears.

This product is ideal for business people, single persons, couples or young families. It provides coverage for projects over a specified term, while offering protection for the holders and the people around them, at the lowest cost possible.  This product is often used to cover a mortgage, a loan or a credit margin.

It should be noted that term life insurance is not usually offered to people aged 75 and over, but this may vary depending on the insurance company. It is therefore essential to shop around before making a decision.

The benefits:

  • It is affordable.
  • It has a guaranteed renewal clause.
  • It can be converted into permanent life insurance without proof of insurability (medical exam or other), generally before the age of 65 or 70, depending on the institution.

The disadvantage:

The premiums increase significantly with each renewal, or at the end of the chosen term.


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Votre dossier sera traité de façon rapide et confidentielle.

1

Demandez une soumission en ligne.

2

Recevez votre tableau comparatif des protections et des coûts pour chaque compagnie d’assurance collective au Québec.

3

Obtenez votre assurance collective au meilleur prix et économisez.

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Découvrez ce que nos clients en pensent
Thank you for your help! I found a better rate with you since Caisse Populaire Desjardins wanted to charge me an additional $21 per month.
- Y. Bureau Bécancour, June 2014
We obtained mortgage life insurance and personal life insurance adapted to our situation, at the best price on the market from among all the financial institutions. Great service! Many thanks!
- C. Dionne P. St-Pierre Sherbrooke, May 2012
Nothing more to add: Fast, efficient and best rate available!
- Alain Millette Quebec, April 2013
Thanks to you, I'm saving $440 annually and even obtained an additional $45 000 for my life insurance!
- P.F. Desgagné Trois-Rivières, May 2014
I was turned down by one insurance company and another wanted an unbelievable extra premium. Assure Direct found a life insurance policy for me at a regular rate. I have referred all my acquaintances to them. I would like to thank the personnel/staff for their discretion and honesty.
- J. Drolet Montreal, December 2011
We knew what protection we wanted for our family. We did not want an insurance agent telling us what to do. An insurance broker from SoumissionAssuranceVie completed a need analysis for us. We took matters into our own hands and saved hundreds of dollars per year. Thank you very much to Assure Direct.
- The Martel family Trois-Rivières, march 2011
Découvrez ce que nos clients en pensent
Thank you for your help! I found a better rate with you since Caisse Populaire Desjardins wanted to charge me an additional $21 per month.
- Y. Bureau Bécancour, June 2014

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