Life, Disability & Critical Illness Insurance Montreal

What We Offer

Coverage for Every Chapter.

Show me options for:

A family relaxing together at home — For individuals & familiesKeep your home, your income, and your plans safe — whatever happens.

Term & Permanent Life Insurance

Affordable term coverage for your working years, or permanent policies that build cash value and leave a lasting legacy.

Disability Insurance

Your ability to earn is your biggest asset. Replace part of your income if illness or injury keeps you from working.

Critical Illness Insurance

A lump sum paid on diagnosis of cancer, heart attack, or stroke — so you can focus on recovery, not bills.

Mortgage Protection

Personally-owned coverage that pays off your home if something happens to you — portable, flexible, often better value than bank insurance.

Individual Health & Dental

Private health and dental plans that fill the gaps in provincial coverage — prescriptions, dental, vision, and paramedical care.

Estate & Legacy Planning

Permanent insurance that helps cover taxes at death and passes more of what you've built to the people you love.

Business partners shaking hands — For business ownersMake sure the company you built survives the unexpected.

Key Person Insurance

If your company depends on you or a key employee, this coverage keeps it stable through a death or disability.

Buy-Sell & Shareholder Funding

Life insurance that funds a partner buyout, so the business stays in the right hands and the family receives fair value.

Business Overhead Expense

Keeps rent, staff salaries, and fixed costs paid if you can't work — so the business is still there when you recover.

Owner Disability & Critical Illness

Protect your own income as an owner or incorporated professional, structured the right way for your company.

Corporate-Owned Life Insurance

Use corporate dollars to fund permanent coverage — a tax-efficient way to move wealth from your company to your family.

Loan & Credit Protection

Covers business loans and lines of credit so debt doesn't fall on your partners or your family.

Why Torre

Insurance Done the Right Way.

Independent & Unbiased

We're not captive to any one insurer. We shop the market on your behalf and recommend what's genuinely best for you.

Explained in Plain Language

No jargon, no pressure. We make sure you understand exactly what you're covered for before you sign anything.

Coverage That Evolves

Marriage, kids, a new home, a business — your plan should adapt as your life changes, and we review it with you regularly.

Common Questions

Life Insurance Questions.

It depends on your income, debts, dependents, and goals. A common starting point is 10–12× your annual income, but the right number comes from looking at your specific situation. We'll walk through it together in a free consultation.

Term insurance covers you for a set period at a lower cost — ideal for protecting your family during your working years. Permanent insurance lasts your whole life and builds cash value, useful for estate planning and legacy.

Bank mortgage insurance is tied to the lender, decreases as you pay down your mortgage, and isn't portable. A personally-owned life policy often offers better value, stays with you, and pays your beneficiaries directly.

Often, yes. Different insurers assess health conditions differently. Because we're independent, we can shop your application across multiple companies to find the best offer.

If the business relies on you or a partner, usually yes. Key person coverage protects the company's finances, and buy-sell funding makes sure a partner's share can be bought out cleanly. We'll look at your structure and recommend only what fits.

Protect the People and Life You've Built.