Protecting your family, a loan, or a business in Montréal. Describe your need; a life and health insurance representative registered with the AMF calls you back and compares contracts with you. No medical information is requested in this form.
The housing stock in Montréal
Montreal’s housing stock is dominated by plexes and condos, two types lenders treat differently from a suburban bungalow: rental income from a duplex or triplex enters the calculation, and a condo means reviewing the syndicate’s financial statements.
Sectors: Le Plateau-Mont-Royal · Rosemont–La Petite-Patrie · Villeray · Ahuntsic · Verdun · Côte-des-Neiges
Transfer duties in Montréal
Montreal applies additional brackets beyond the provincial thresholds. An identically priced property therefore costs more in transfer duties in Montreal than in most other Quebec cities.
Transfer duties are paid in cash after signing with the notary; they are not included in the mortgage loan.
Term or permanent: that question comes second
The contract type follows from the need, not the other way around. A loan to cover over twenty years and a tax bill at death do not call for the same protection. The representative establishes the need before comparing products.
What is different in Quebec
Beneficiary designation, the irrevocable-beneficiary question between married or civil-union spouses, and treatment at death fall under Quebec civil law. A representative registered here knows those rules, which is not guaranteed elsewhere in the country.
Why no price is shown here
A premium depends on age, smoker status, health, and the amount requested. Showing a figure without those would be misleading. CompareTaux produces no automated recommendation.
What follows your request
Your request goes only to the team authorized for this service. A person registered with the AMF calls you back. You remain free not to proceed; your consent is timestamped and revocable from every email you receive.