Permanent insurance that can pay you dividends
Participating life insurance is permanent coverage that may pay dividends based on the insurer's results — usable in several ways.
Participating: the essentials
Dividends are not guaranteed, but when paid, you can cash them, reduce your premiums, buy additional coverage or let them grow. It is a long-term wealth tool.
It is a more sophisticated product: a licensed advisor explains how it works, the assumptions and the taxation before any decision.
What should you prepare before your request?
Identify what you want to protect, existing coverage and your timing. Questions adapt to the insurance category you choose. No documents are required in this questionnaire.
You can defer sensitive answers where that option is offered. Do not enter diagnoses, social insurance numbers or banking information.
Who provides the advice?
Clic Prime prepares the referral in Quebec, in French or English. The professional takes over to assess your situation. The questionnaire is not an offer, an approval or a personalized recommendation.
Check a professional in the AMF registers (French)Check the authorizations for the service you need. This link does not imply that the AMF endorses Clic Prime.
Why go through Clic Prime
Free and no obligation
Your request and the match cost you nothing. You are never obligated to move forward.
One single form
Answer once and we route your request to the right professional — no need to shop around one by one.
Licensed professionals
You are matched with advisors and brokers duly registered with the AMF.
Fast
A professional contacts you quickly to compare the options suited to your situation.
Frequently asked questions
Are dividends guaranteed?
No. They depend on the insurer's results (return, mortality, expenses) and can vary. Any illustration is based on assumptions; an advisor explains them.
Who is this product for?
Often for people who have already covered their basic needs and want a permanent wealth tool. An advisor assesses whether it is relevant for you.
Ready to compare?
Answer a few questions and a licensed professional will contact you. Free and no obligation.
Other products
Clic Prime is a referral service. Clic Prime is not a registered firm and does not provide insurance, mortgage or investment advice or products. Your request is routed to professionals duly registered with the Autorité des marchés financiers (AMF) or the relevant regulators, who provide the advice and products appropriate to your situation.