As you may know, on June 1, 2022, the Quebec Government passed new legislation – called An Act Respecting French, the Official and Common Language of Quebec (Law 14, previously known as Bill 96). Law 14 seeks to protect and promote French as the official language in Quebec through amendments to several pieces of existing legislation, mainly the Charter of the French Language (the Charter). 

To ensure you stay compliant with Law 14 in Quebec, we’ve put together the following guidelines for products and processes for doing business with Clients residing in Quebec. These new processes are required as of June 1, 2023.

Please note, these changes only impact Clients in Quebec whose preferred language is English. If the Client is based in Quebec and their preferred language is French, there are no changes to existing processes.

All life insurance or health insurance products

  • If the Client(s) reside(s) in Quebec, and
  • The Client’s preferred language is English:
    • You are required to provide a blank copy of the French application to the Client prior to completing the English version
      • Note: Starting November, 2023, any new policy will be sent to the Client in French and English. A separate policy booklet will be printed and mailed in each language.
    • Once the policy is in-force, any communications sent to the Client will be in their language of preference.