Constant capital
Unlike the bank, which reduces the insured amount as the debt drops, with us your coverage stays at the full amount.
Mortgage Insurance
We analyze offers from the best insurers to protect your mortgage at the best price.
What's included in our mortgage insurance
Coverage and conditions vary depending on the plan chosen.
Choose your beneficiary
You, not the bank, name the person who will receive the funds and decide how to use them.
Transferability
Your insurance belongs to you. If you change financial institutions, your coverage follows you.
Why choose Protecto for your mortgage insurance?
Advisors registered with the AMF, bilingual service, and online subscription in minutes, with Protecto.
Major savings
Individual life insurance premiums are often much lower than the bank's creditor insurance.
Guaranteed premium
Your premium is set for the duration you choose and will not suddenly increase at your mortgage renewals.
Is your bank offering you mortgage insurance along with your loan? Read the information here before signing your contract. It could save you a lot of money while giving you far better guarantees.
As independent insurance brokers, we work with a range of reputable insurers to offer you the right policy. That lets us offer you personalized advantages based on your situation. Protecting your loan with individual insurance (term life insurance) rather than bank creditor insurance offers flexibility, transferability and lower overall costs.
We will compare the prices of all the major insurers to offer you an optimal solution!
Frequently Asked Questions
Why refuse the insurance offered by the bank?
The bank is usually the sole beneficiary, the coverage amount shrinks over the years as you pay down the loan, and the premiums are not tailored in depth to your individual health profile.
Can I switch insurance if I already signed with my bank?
Absolutely. It is entirely possible, and often recommended, to cancel your lender’s coverage once you have secured an individual policy at a much better price.
Ready to buy your mortgage insurance?
Buy online in minutes, or talk to a financial security advisor.
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