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
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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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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