Types of Life Insurance We Offer
Life insurance provides financial protection for your family in Montreal when they need it most. Whether you need to cover your mortgage, replace lost income, or leave a legacy, the right insurance in Montreal helps your loved ones maintain their lifestyle after you're gone.
Qubit Insurance is an independent, AMF-licensed brokerage serving Montreal families and businesses. We compare quotes from over 20 leading insurers—including Desjardins, Manulife, Sun Life, Canada Life, and Beneva—to find you the best coverage at the best price. Unlike agents who work for one company, we work for you.
Term Life Insurance
Coverage for 10, 20, or 30 years at affordable rates. Your premiums stay the same throughout your term. Perfect for protecting your mortgage and replacing income while your children are growing up. This is the most popular choice for Montreal families because it offers strong protection at lower costs.
Whole Life Insurance Brokers
Permanent coverage that lasts your entire life with fixed premiums that never increase. Builds cash value over time that you can borrow against or withdraw. Ideal for estate planning, leaving an inheritance to your children, and covering final expenses.
Universal Life Insurance
Flexible permanent coverage that combines life insurance with investment options. You can adjust your premiums and death benefit as your needs change. Popular with business owners and high-income earners for tax-advantaged wealth building.
Critical Illness Insurance
Pays you a lump sum if you're diagnosed with a covered serious illness like cancer, heart attack, or stroke. Use the money for medical bills, mortgage payments, treatments, or lost income. Most policies cover 25+ conditions.
Disability Insurance
Replaces part of your income (usually 60-85%) if you can't work due to illness or injury. Protects your paycheck during recovery so you can pay your bills and support your family.
Business Life Insurance
Protects your Montreal business with key person coverage if an important employee dies, or buy-sell funding so partners can purchase a deceased owner's share. Ensures your business continues smoothly.
Why Choose Qubit Insurance
1. Independent & Unbiased
We work with 20+ insurers, including major companies like Manulife, Sun Life, and Desjardins. Because we're not owned by any insurance company, we can show you all your options and find the best fit for your situation.
2. AMF Licensed Brokers
Every broker at Qubit Insurance holds a valid license from Quebec's Autorité des marchés financiers. We follow strict professional standards and complete ongoing training to stay current on products and regulations.
3. Bilingual Service
Get expert advice in English or French. We understand Montreal's unique market and Quebec's insurance regulations, so you get guidance that makes sense for your situation.
4. No Broker Fees
You pay the same premium whether you buy direct from an insurer or through us. Insurance companies pay us directly, so our service costs you nothing extra.
5. Claims Support
We guide your beneficiaries through the claims process when it matters most. We help gather documents, communicate with insurers, and make sure benefits are paid correctly.
6. Annual Reviews
Your life changes—new children, home purchases, job changes. We review your coverage each year to make sure it still meets your family's needs.
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Why Choose Qubit Insurance?
Because we've been insurance customers too, we understand the pain points and focus on what truly matters most.
Exceptional Service
Claims Support
Availability to Help
Competitive Prices
Unbiased Advice
100% Reliable
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Clients
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Insurer
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5 Star Reviews
Frequently Asked Questions
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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Why Work with an Independent Life Insurance Broker Instead of Buying Direct?
Many people begin their search by looking for the cheapest life insurance policy. While price is important, choosing coverage based only on premiums can leave you underinsured or paying for features you don't need.
Working with an independent broker gives you access to multiple insurance companies through a single point of contact. Instead of requesting quotes from several insurers individually, your broker compares policies, explains the differences, and recommends options based on your goals. Check our business insurance solutions if you’re a business owner.
At Qubit Insurance, we work with more than 20 Canadian insurers, allowing us to compare coverage, premiums, underwriting requirements, and optional benefits before making a recommendation.
Broker vs. Insurance Agent: What's the Difference?
Many people use the terms "broker" and "agent" interchangeably, but they serve different roles. A life insurance agent typically represents one insurance company and sells that company's products. Their recommendations are limited to the policies offered by the insurer they work for.
A life insurance broker represents you rather than a single insurance company. Brokers compare products from multiple insurers, explain policy differences, and help you choose coverage that best meets your needs.
Working with a broker can save time while giving you access to more options without contacting multiple insurance companies yourself
What Affects Your Life Insurance Premium?
Insurance companies calculate premiums using several personal and financial factors.
These typically include:
- Age
- Overall health
- Smoking status
- Medical history
- Family medical history
- Occupation
- Lifestyle
- Coverage amount
- Policy type
- Policy duration
Comparing multiple insurers can make a significant difference because each company evaluates risk differently. This is one of the biggest advantages of working with an independent life insurance broker instead of applying to a single insurer.
Compare and Buy Cheapest Insurance Online
Choosing life insurance is one of the most important financial decisions you'll make. At Qubit Insurance, our licensed brokers compare policies from more than 20 trusted Canadian insurers to help you find coverage.
Contact us today for a free, no-obligation quote and discover how independent life insurance brokers can help you make a confident, informed decision.
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438 Rue Isabey Suite 210, Saint-Laurent, Quebec H4T 1V3 1155 Rue Metcalfe Suite 1500, Montreal, Quebec H3B 2V6
438 Rue Isabey Suite 210, Saint-Laurent, Quebec H4T 1V3 1155 Rue Metcalfe Suite 1500, Montreal, Quebec H3B 2V6
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