Your lender offered you insurance with your mortgage in Trois-Rivières, or you are about to get one. Before you sign, a life and health insurance representative registered with the AMF compares that offer with an individual life insurance policy. The form asks no medical questions.
The housing stock in Trois-Rivières
Trois-Rivières offers a stock largely made up of single-family homes, with significant older building in the central sectors. Building age influences the inspection, home insurance, and sometimes the lender’s willingness.
Sectors: Cap-de-la-Madeleine · Trois-Rivières-Ouest · Sainte-Marthe-du-Cap · Pointe-du-Lac
Transfer duties in Trois-Rivières
The City of Trois-Rivières applies a 3% rate on the part of the base above $500,000.
Transfer duties are paid in cash after signing with the notary; they are not included in the mortgage loan.
What is specific to Trois-Rivières
Trois-Rivières is on the north bank of the Saint Lawrence, at the mouth of the Saint-Maurice river. Proximity to the water is a question to raise early in the conversation.
Who gets the money
With the lender’s insurance, the lender is generally the beneficiary, and the amount shrinks with the loan balance. With an individual policy, you choose the beneficiary. Your spouse then receives a sum to use as they see fit, including to pay off the house.
At renewal
If you change lenders, insurance tied to the loan may not follow you. An individual policy stays in force. Read that clause before you sign, not when you renew.
Why there is no price here
The price depends on your age, your health, whether you smoke, and the amount insured. Without those, a figure would mean nothing.
What follows your request
Your request goes only to the team authorized for this service. A person registered with the AMF calls you back. You remain free not to proceed; your consent is timestamped and revocable from every email you receive.