How much life insurance do I actually need?

It depends on your income, debts, dependents, and goals. A common starting point is 10 to 12 times your annual income, but the right number comes from looking at your specific situation.

What is the difference between term and permanent life insurance?

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

Is mortgage insurance from my bank a good idea?

Bank mortgage insurance is convenient but tied to the lender and not portable. A personally-owned policy often offers better value and pays beneficiaries directly.

Can I get coverage if I have a health condition?

Often yes. Because we are independent, we can shop your application across multiple insurers to find the best offer, even with pre-existing conditions.

Life, Disability & Critical Illness Insurance Montreal

Insurance isn't about products — it's about peace of mind. The right coverage means your family keeps their home, your income is protected if you can't work, and a serious diagnosis doesn't become a financial crisis. We compare options across many insurers to find the plan that actually fits your life.

What We Offer

Coverage for Every Chapter.

Term & Permanent Life Insurance

From affordable term coverage that protects your family during your working years to permanent policies that build cash value and create a lasting legacy.

Disability Insurance

Your ability to earn is your most valuable asset. Income-protection coverage replaces a portion of your salary if illness or injury keeps you from working.

Critical Illness Insurance

A lump-sum benefit paid on diagnosis of a covered condition like cancer, heart attack, or stroke — so you can focus on recovery, not bills.

Individual Health & Dental

Fill the gaps left by provincial coverage with private health and dental plans for prescriptions, paramedical care, vision, and more.

Mortgage Protection

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

Key Person & Business Protection

If your business depends on you or a key employee, the right coverage keeps the company stable through the unexpected — including buy-sell funding.

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 — your mortgage, your children's future, and what you'd want your family to have. We'll walk through it together in a free consultation.

Term insurance covers you for a set period (like 10, 20, or 30 years) at a lower cost — ideal for protecting your family during your working years. Permanent insurance lasts your whole life and builds cash value over time, which can be useful for estate planning and leaving a legacy. Many people use a mix of both.

Bank mortgage insurance is convenient, but it's usually tied to the lender, decreases in value as you pay down your mortgage, and isn't portable if you switch banks. A personally-owned life insurance policy often offers better value, stays with you, and pays your beneficiaries directly. We can compare both for you.

Often, yes. Different insurers assess health conditions differently, and because we're independent, we can shop your application across multiple companies to find the best offer. Even with pre-existing conditions, there are usually options worth exploring.

Protect the People and Life You've Built.