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

(Last modified: June 2024)

Welcome to the Soumissionassurancevie.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 commercial activities.

No one from an institutional establishment, neither private or governmental, whether it be from an elementary, high school, collegiate or of university level are allowed to provide any insurance recommendations via report card, email or any other means to their student and usage of the websites of Soumissionassurancevie.ca inc and subsidiaries for homeworks is stricly forbidden. This website is simply to request quotes for life insurance products such as disability insurance, mortgage insurance, critical illness, inheritance or group insurance.

The information found on this Web site is to be used for informational 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.

Your Security

Financial needs analysis

You can make your own financial needs analysis by clicking on this link.

• We have more than 1000 brokers across Quebec
• There are no conflict of interests because we do not represent any financial institutions. We will refuse any gifts, trips, incentives or other from any of these institutions. We want to give you the best rate available
• We come to you, 7 days a week, between 7AM and 8PM

Online purchase

• Meet with an independant broker to understand what you are buying or opt for buying without the visit of a broker (depending on what suits you).
• Ask to see the broker’s permit from l’Autorité des Marchés Financiers before buying
• Ask questions and complete a a financial needs analysis to make sure the choosen products meets your needs.
• You take time to pay a premium for your loved ones, so take the necessary time.

Before filling out an insurance life proposal with a broker, make sure to fully understand the financial analysis and ask questions! The financial needs analysis is not an option but an obligation and the broker must comply to the laws and regulations of the Autorité des Marchés Financiers and Chambre de la sécurité financière whether it be online or in person.

Security

Soumissionassurancevie.ca inc and its affiliates have technological means to traces anyone trying to send virus, make fake quote requests repetitively, means to attack our SEO rankings, fake meeting requests and any other electronical means to cause harm. Soumissionassurancevie.ca inc will sue for claims for damages without notice.

Responsibility

Financial institutions:

Insurance premiums and other financial information available on Soumissionassurancevie.ca inc and its affiliates are only for informational purposes. We do our best to regurlary update the website, but some data come from external sources out of our control. We are committed to taking reasonable steps so that information found on the website are as reliable as possible, however, it can not be guaranteed that the information will always be accurate, complete and up-to-date. Please note that the date of birth is not a requirement for your quote request for confidentiality reasons.

However, we cannot be held responsible of the resulting inaccuracy, whether it be accidential and/or omission, nor prejudices and we take no responsability about the reliability of the information found on the website.

• Rates are subject to change without notice
• Rates provided following your quote request are compliant to the financial institutions’ rates and it is strictly forbidden to tamper with them without the financial institution’s approval. It is up to the financial institution in question to grant a different rate category than the standard rate.
• For example, there are usually three types of rates :
  • Regular rate;
  • Preferred rate;
  • Elite rate.

These rate classes are granted based on your health, your healthy lifestyle and a handful of various factors. The financial institutions can grant you these rates and no else other than working under the Risk Selection or any related departments from these financial institutions can give you a discount rate. You also need to understand that no broker, insurance agent or customer service personel can provide you with a preferential rate.

The rates provided through our forms are standard rates. Based on your information, if we believe that you can benefit from a better rate based on your excellent health (above average), we will provide you, for informational purposes, that you can benefit from a better rate according to the financial institution that will look over your request. The fact of obtaining rates other than the standard ones doesn’t commit the insurance, our company or its affiliates.

The rates provided are solely for informational purposes and can vary based on multiple factors. We cannot be held responsible for the rates obtained by phone or email (or any other communication) by the employees of SoumissionAssuranceVie.ca et its affiliates. Please note that rates are subject to change. We update our information every 24 hour through the operating system we use to compare premiums.

The contract provided by the financial institutions

An insurance contract is given by the insurer based on the information you’ve given them. Following a thorough evaluation of your case, called insurance proposal, if there are any discrepencies between the rates we’ve provided versus the one given by the insurance company, the latter will be considered the official rate.

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.

Blog

Some financial security advisors and/or other persons use our soumissionassurancevie.ca Web site as a point of reference to express their opinions, comments, experiences etc. through their blogs or by other means. We are not responsible in any way for their opinions and comments, and we cannot be held responsible for any information mentioned by them. These are their personal opinions and not those of soumissionassurancevie.ca, its subsidiaries and its owner.

Furthermore, the blog and articles provided by the staff of SoumissionAssuranceVie.ca are solely for informational purpose and as a mean to help understand the world of insurance. The articles are not in anyway recommendations or suggestions.

Hyperlinks

soumissionassurancevie.ca has hyperlinks to other Web sites. soumissionassurancevie.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, soumissionassurancevie.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. soumissionassurancevie.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 soumissionassurancevie.ca, you are doing so at your own risk.

Compensation

At its request, you agree to indemnify SoumissionAssuranceVie.ca, its affiliates, partners, subsidiaries, employees, contractors, brokers and leaders, in the event of liability, as well as claims and costs (legal fees etc.) resulting from your use or errors in the use of the site. Whenever possible, you will cooperate with SoumissionAssuranceVie.ca in its defense wherein you will be required to offer compensation.

You must understand the importance of any prejudice that you may cause us by your writings, comments, text exposure in whole or in part of our sites, text excerpts, blogs, content that you use to project a negative image on the networks social media such as Linkedin, Facebook, or others.

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

The SoumissionAssuranceVie.ca financial firm is certified by the Autorité des marchés financiers (registration number 516254).

In collaboration with over 1 000 independant brokers, our firm has offices all across Ontario, New-Brunswick and Quebec. If you have any questions, we invite you to contact our Customer Service:
contact@soumissionassurancevie.ca
1-866-370-7677 (Toll Free)
Monday to Friday, from 7AM to 8PM
Saturday and Sunday, from 9AM to 3PM
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