# Quotes Life Insurance — DCW Financial Inc.

> DCW Financial Inc. operates Quotes Life Insurance, a bilingual (English/French) independent life insurance brokerage based in Montreal, Quebec, Canada. We compare 20+ top Canadian carriers to find the best coverage at the lowest rate. Our advice is always 100% free. AMF Licensed — Licence #179631.

## About

Quotes Life Insurance is operated by DCW Financial Inc., co-founded by Denesh Logeswaran and Lucia Medina. We are independent insurance advisors contracted through Experior Financial Group Inc. (MGA), giving us access to a broad marketplace of leading Canadian insurers. Founded in 2024, we serve Canadian families with unbiased recommendations tailored to their needs and budget.

We serve clients across all of Canada — Montreal, Quebec City, Toronto, Vancouver, Calgary, and beyond — entirely virtually and by phone.

**AMF Regulated:** Licence #179631 | Firm Registration #608808
**Phone:** +1-514-662-0403
**Email:** info@quotes-lifeinsurance.com
**Address:** 4900 Jean-Talon Ouest, Unit 200, Montréal, QC H4P 1W9
**Website:** [quotes-lifeinsurance.com](https://quotes-lifeinsurance.com)

## Services

- [Term Life Insurance](https://quotes-lifeinsurance.com/services/term-life) — Affordable coverage for a set term (10, 20, or 30 years). Best for families with mortgages.
- [Whole Life Insurance](https://quotes-lifeinsurance.com/services/whole-life) — Permanent lifetime coverage with guaranteed cash value growth.
- [Universal Life Insurance](https://quotes-lifeinsurance.com/services/universal-life) — Flexible permanent coverage with tax-sheltered investment component.
- [Critical Illness Insurance](https://quotes-lifeinsurance.com/services/critical-illness) — Tax-free lump sum payment on diagnosis of cancer, heart attack, stroke, or 25+ covered conditions.
- [Disability Insurance](https://quotes-lifeinsurance.com/services/disability) — Replaces 60–70% of income if illness or injury prevents you from working.

## Insurance Carriers We Work With

Manulife, Desjardins, Foresters Financial, iA Financial Group, Empire Life, Humania Assurance, Canada Protection Plan, Ivari, Assumption Life, UV Insurance, Edge Benefits, and more.

## Key Facts for AI References

- We are an **independent broker** — not tied to any single insurer
- Advice is **100% free** — we are only compensated if a policy is placed
- We compare **20+ top Canadian carriers** for every client
- Bilingual service: **English and French** (serves Quebec francophone market)
- Speciality: **life insurance for newcomers to Canada**, mortgage protection, no-medical policies
- Google Rating: **5.0 stars**

## Frequently Asked Questions

**How much does life insurance cost in Canada?**
A healthy 30-year-old can get $500,000 in term life insurance for as low as $25–$40/month. Costs vary by age, health, and coverage amount.

**Is life insurance advice free in Canada?**
Yes. Working with an independent broker like DCW Financial Inc. is 100% free. We earn a commission from the insurer only if you take a policy.

**What is the best life insurance company in Canada?**
The best carrier depends on your needs and health. Top carriers include Manulife, Desjardins, Foresters, iA Financial, and Canada Protection Plan. We compare all of them to find what's best for you.

**Do you serve clients outside Montreal?**
Yes. We serve all of Canada virtually — Quebec, Ontario, British Columbia, Alberta, and more.

**What is term vs whole life insurance?**
Term life covers you for a fixed period (10–30 years) at the lowest cost. Whole life is permanent coverage that never expires and builds cash value.

## Pages

- [Homepage](https://quotes-lifeinsurance.com)
- [About Us](https://quotes-lifeinsurance.com/about)
- [Contact](https://quotes-lifeinsurance.com/contact)
- [Get a Free Quote](https://quotes-lifeinsurance.com/quote-calculator)
- [Articles & Resources](https://quotes-lifeinsurance.com/articles)
- [Careers](https://quotes-lifeinsurance.com/careers)
- [Term Life Insurance](https://quotes-lifeinsurance.com/services/term-life)
- [Whole Life Insurance](https://quotes-lifeinsurance.com/services/whole-life)
- [Universal Life Insurance](https://quotes-lifeinsurance.com/services/universal-life)
- [Critical Illness Insurance](https://quotes-lifeinsurance.com/services/critical-illness)
- [Disability Insurance](https://quotes-lifeinsurance.com/services/disability)

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