Terms of use

These terms and conditions are subject to change without any notice.Therefore, we recommend that you consult them regularly.

Welcome to the SoumissionAssuranceHypotheque.ca Web site allows you to navigate the Web site, access and use the online life insurance quote request service without benefit to or assistance from financial advisors, financial planners, financial security advisors, realtors or financial institutions or other activities. This Web site is made available to users for underwriting life insurance products. The information found on this Web site is to be used for information purposes only and not to be considered as financial advice. A life insurance contract must be underwritten according to the laws and regulations of the Autorité des Marchés Financiers and the financial institutions involved.

The analysis of financial needs. An obligation !

  • Contracts are not purchased over the phone!
  • We are everywhere in Québec!
  • We come to you, 7 days a week.

We feel that it is a bad idea to purchase a life insurance policy over the internet or by phone. The proof of this is that clients often think they have purchased permanent life insurance when they have actually purchased temporary insurance with premiums that increase as they get older.

We are independent underwriters and have no conflict of interest since are not affiliated with any particular financial institution. We do not accept gifts, trips, incentives, etc. from these institutions. Our goal is to guarantee the best rates for the product chosen after careful analysis of your needs.

Do your homework!

  • Agree to meet with an independent underwriter so that you know what you are buying.
  • Ask to see the permit of the underwriter, who is registered with the Autorité des Marchés Financiers.
  • Learn more. Ask questions and analyse your needs to be sure the product meets your requirements.
  • You are willing to pay life insurance premiums to protect your loved ones, so take the time to make sure you are getting what you need.

Before completing a life insurance application with an insurer representative, make sure you understand the analysis financial needs that was completed with you and ask your questions! The financial needs analysis is not an option, it is an obligation and the life insurance broker must comply with the Laws and Regulations of the AMF and the Chamber of Financial Security.


Our way of doing things the right way.

We are committed to keeping an up-to-date record of the prime rates of financial institutions. For this we subscribe to the LifeGuide® system which allows us to obtain updates 24 hours a day.

Every financial institution has its own life insurance risk evaluator and the decision to accept or refuse may vary from one institution to another. SoumissionAssuranceHypotheque.ca recommends shopping on our site and providing the most exact information possible regarding your present state of health, if you feel it could affect the approval of your life insurance request. This will allow us to guide you and ensure that the financial institution can make a fair decision based on your request.

We have partnership contracts with most of the financial institutions as Financial Security Advisors. We are not affiliated with any particular financial institution and do not accept any bonus, gift, trip or other business incentive. This way we avoid any possible conflict of interest and we can find the best rate on the market when you request a life insurance product.

Representatives in insurance of persons must, before completing an insurance proposal, conduct an analysis of their clients’ financial needs.

The following information must be taken into consideration:

  • insurance needs;
  • existing policies or contracts (features, names of the issuing insurers);
  • income;
  • financial situation;
  • number of dependents;
  • personal obligations;
  • family obligations.

This information must be put in writing in the client’s record. The analysis of your needs performed with you must be submitted along with the contract and must signed by both parties.


Financial information:

The insurance premiums and other financial information available on SoumissionAssuranceHypotheque.ca are for information purposes only. We do our best to provide regular updates, but this information comes from outside sources that we cannot control. We do our best to make sure the information on the Web site is as accurate as possible, but we cannot guarantee that the information will always be exact, complete and up-to-date. Therefore, we cannot be held responsible for the consequences of any inaccuracies due to errors or omission of this information, nor any prejudices that may result and we are not responsible for the reliability of the information on this site.

We are very active on various social networking sites such as Facebook, Twitter, Linkedin and other means of communication. You are invited to join our networks. You do not have to accept our invitations and it is up to you whether or not you accept our invitations. You understand that our goal is to publicize our company and create a network of friends for the SoumissionAssuranceHypotheque.ca Web site.

We use various search engines for our positioning.

SoumissionAssuranceHypotheque.ca uses Google Analytics to monitor life insurance quote requests. Google sees and keeps the IP addresses. Google uses this information in part to monitor the use of this Web site and provide us with information that will allow us to improve our positioning. Excessive use, either by repeated requests, or with the purpose of impeding positioning, by the same person(s), may result in legal action in accordance with the laws in place.

This isn’t an advice offer

The information provided is only for informational purposes and is not to give customers advice of a financial, judicial, fiscal, accounting nature or about investments and you must not rely solely on this information alone without consulting a professional adviser. A consultant can help verify that your personal situation has been handled properly and that the steps taken correspond to the most recent data collected.


SoumissionAssuranceHypotheque.ca has hyperlinks to other Web sites. SoumissionAssuranceHypotheque.ca accepts no liability for the operation or the content of third party Web sites, which are subject to their own conditions of use. Consequently, SoumissionAssuranceHypotheque.ca cannot be held responsible for any damages that may result, directly or indirectly, from the use, operation or content of the other Web sites. SoumissionAssuranceHypotheque.ca has no control in any way over the operation or content of these other Web sites and you agree that if you access them through a hyperlink on SoumissionAssuranceHypotheque.ca, you are doing so at your own risk.

Mobile Devices

The terms of use is applicable when using a downloadable app or any other devices such as mobile phones to access every characteristics, functionalities, and content made available on the website.

Financial services firm

In collaboration with more than 500 independent brokers, our firm has regional offices all over Quebec.

Mortgage insurance quotation

Feel free to contact us by phone at 1 844 550-8858
or by sending us an email to contact@soumissionassurancehypotheque.ca.
We'll gladly answer any questions you may have.