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Assurance en Ligne

Insurance, Canada, Quebec, Montreal

Assurance en Ligne provides innovative online insurance services with a focus on customer satisfaction and risk management, leveraging technology to deliver personalized solutions.

About Assurance en Ligne

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Basics

Type
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Founded
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Total Employees
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Employees on Linkedin
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Employees on OWCareers
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Main Office
Canada, Quebec, Montreal
Official Website
http://www.assurancenligne.ca
Location Address Official Phone Email
Canada, Quebec, Montreal Canada, Quebec, Montreal **** ****
LinkedIn https://linkedin.com/company/**** Get In Touch With Decision Makers
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Instagram https://instagram.com/**** Get In Touch With Decision Makers
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FAQs – Assurance en Ligne

What is the difference between moral hazard and adverse selection?

Moral hazard occurs after insurance is purchased when policyholders engage in riskier behavior. Adverse selection occurs before insurance is purchased when high-risk individuals are more likely to buy coverage than low-risk individuals.


What is travel insurance (medical)?

Travel insurance (medical) provides coverage for unexpected medical expenses that may arise while you are traveling. It includes doctor visits, hospital stays, emergency evacuations, and repatriation in case of injury or illness, ensuring you receive the necessary care without bearing excessive costs during your trip.


How does the cash value in Universal Life Insurance work?

The cash value in a UL policy accumulates over time as part of the premium payments go into an investment account. The interest earned is tax-deferred, and policyholders can access this cash value through loans or withdrawals. However, excessive withdrawals can reduce the death benefit or even cause the policy to lapse.


What is an insurable interest in relation to the insured?

Insurable interest means the policyholder must have a financial or personal stake in the insured's well-being. For example, you cannot take out life insurance on a stranger because you do not have an insurable interest in their life.


What does pet insurance cover?

Pet insurance covers veterinary bills, surgeries, medications, and sometimes wellness visits, helping pet owners manage unexpected medical expenses for their animals.


What are the consequences of committing insurance fraud?

Insurance fraud is illegal and can result in severe penalties, including fines, policy cancellation, criminal charges, imprisonment, and civil lawsuits. Fraudulent activity can also lead to reputational damage, financial loss, and difficulty obtaining future insurance coverage.


How do I file a claim under employer liability insurance?

Notify the insurer immediately, provide documentation of the incident, cooperate with investigations, and submit any necessary legal paperwork to support the claim.


Can I get private health insurance if I am self-employed?

Yes, self-employed individuals can purchase private health insurance through insurers, brokers, or government marketplaces, often with tax-deductible premiums.


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